Medi-Cal Frequently asked Questions

• My husband has been in a nursing facility for 6 months, and I have been paying privately. Is there a way that he could qualify for Medi-cal and help pay for the cost?
• Is it true that purchasing an annuity is the only thing I am able to do with my monies in order to qualify for Medi-cal?
• We have a farm that has been in our family for many generations. It is very important to me that I am able to pass it on to my children. Is it possible to keep the family farm and still qualify for Medi-cal?
• It is true that the state will take my home if I received Medi-Cal Benefits?
• Is it true that I have to cash out my retirement accounts and Life Insurance policies in order to qualify for Medi-Cal?
• If I put all my assets into my spouses name will I become eligible?
• It is true that I can only spend down my assets on nursing home bills or other medical bills?

My husband has been in a nursing facility for 6 months, and I have been paying privately. Is there a way that he could qualify for Medi-cal and help pay for the cost?

Answer: Yes

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Is it true that purchasing an annuity is the only thing I am able to do with my monies in order to qualify for Medi-cal?

Answer: No

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We have a farm that has been in our family for many generations. It is very important to me that I am able to pass it on to my children. Is it possible to keep the family farm and still qualify for Medi-cal?

Answer: Yes

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It is true that the state will take my home if I received Medi-Cal Benefits?

Yes, this may happen. Losing the family home to Medi-Cal can be prevented with proper planning. Don't wait for this to happen.

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Is it true that I have to cash out my retirement accounts and Life Insurance policies in order to qualify for Medi-Cal?

Answer: No

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If I put all my assets into my spouses name will I become eligible?

Answer: No, assets are counted regardless of which spouses’ name they are in.

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It is true that I can only spend down my assets on nursing home bills or other medical bills?

Answer: No. There are many alternatives that can serve to maintain assets. That’s where the experts come in.

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