Why should you do Medi-Cal planning?

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Medi-Cal has several different programs. The most misunderstood is “Long Term Care” coverage. Most people first hear about Medi-Cal Long Term Care coverage when a loved one is hospitalized, then discharged to a rehabilitation or skilled nursing facility. Medicare may pay for this extended care for a while…but not long. Few could afford to private pay for long without seriously impacting the financial security of the spouse and family. Both married and unmarried individuals also worry as the estate they intended to pass to their children or heirs is rapidly eaten up by nursing home bills.

Solution: LONG TERM MEDI-CAL PLANNING

The clear alternative is the Long Term Care Medi-Cal program. Medi-Cal planning is about protecting personal assets from being depleted by the high cost of assisted care. With our assistance, we will help the patient apply for benefits and protect their life savings!

 

 

 

Why should you think about consulting with an EXPERT Medi-Cal Planner?

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#1 To obtain eligibility as soon as possible.

We accelerate eligibility so as to avoid spending down all of the family assets private paying.

 

#2 To minimize the "Share of Cost".

Share of Cost is the amount the applicant must contribute each month prior to full Medi-Cal coverage.

 

#3 To protect the well spouse's assets and income.

There are substantial protections for a spouse, both for asset and income protection. We are aware of what they are and use them.

 

#4 To ensure that Medi-Cal recovey is avoided.

Medi-Cal, under some circumstances, may attempt to recover what they paid after the death of the benefit’s recipient. While there is no recovery during the life of the surviving spouse, there are also other methods of avoiding recovery. While they are not available in all cases, we know what they are and how to use them. Most of our clients have no recovery actions.

 

 

 

Every day thousands of people unnecessarily pay privately for care because they are not aware of their rights. Do not let this be you. Before assuming that you or your loved one will not qualify for Medi-Cal, please contact our office.

**Receive quick answers to questions regarding Medi-Cal or Veteran’s Benefits

Call today for more information 877-773-3535 or  559-441-1121