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Does your aging parent qualify for Medi-Cal planning?

On Behalf of | Oct 12, 2022 | Medi-Cal and Long Term Care Planning

As people age, they tend to lose the ability to care for themselves. If you are losing your independence due to age-related health issues, now is the time to start thinking about long-term care. 

However, thanks to the rising cost of healthcare, more and more California residents are turning to Medi-Cal to help cover the cost of care. But, Medi-Cal’s eligibility requirements (just as Medicaid’s) can be quite complex. If you are considering signing up for Medi-Cal, you need to start off by determining your eligibility for the program. 

Understanding Medi-Cal eligibility requirements

As a senior, you may be eligible for Medi-Cal for the aged or disabled in a number of ways. But first, you must be at least 65 and blind or disabled. Additionally, you must meet the residency requirements. That said, here is what you need to know about Medi-Cal eligibility. 

Medi-Cal and SSI eligibility – You automatically qualify for full Medi-Cal coverage if you are eligible for Supplementary Security Income (SSI). To be eligible for SSI, you must be over 65, disabled, blind or have limited income and assets. 

Medi-Cal and A&DFPLP eligibility – The Aged and Disabled Federal Poverty Level Program (A&DFPLP) is designed to provide full Medi-Cal coverage to elderly and disabled individuals whose income exceeds SSI limits despite meeting the SSI’s resource limits. 

Medi-Cal eligibility for long-term care

Besides the general care expenses, Medi-Cal also provides cover to individuals who need long-term care. To qualify for Medi-Cal for your long-term care, you must reside in a qualified nursing home. Additionally, you must meet the income and assets threshold.

As you grow older, it will become increasingly difficult to care for yourself. Find out how you can increase your odds of receiving Medi-Cal benefits