If you or your loved ones are living in California and are over 65, it’s extremely important for you to understand what Medicare, Medi-Cal and MediCaid are and what they mean for you or your loved ones. These programs can help you to understand your long-term health insurance and health care options for the future, and they are particularly important if you know you have a condition that requires long term health care. An experienced elder law attorney can provide expert advice regarding your individual situation regarding these programs, as well as helping you to create a plan for the future that looks after you and your loved ones.
What are MediCare, Medi-Cal and Medicaid?
Medicare is a health insurance program implemented by the US federal government to provide health insurance for people aged 65 and older, for certain younger people with disabilities, and for those with End Stage Renal disease.
Medicaid is a joint federal and state program that supports health care for individuals and families with limited resources, including providing long term care for those aged over 65. Because every state has different rules and coverage relating to Medicaid, each state runs its own version of the program. In California, Medicaid is called Medi-Cal.
What Do I Need to Know About Medicare and Medi-Cal?
While many people may not think much about Medicare and Medi-Cal and may not even understand the qualification requirements and enrollment process, if you or your loved one are over 65, it is essential to determine whether you may be eligible for Medicare or Medi-Cal. Medicare has several parts, and it’s important to fully understand which parts you may qualify for and which you need to enroll in to receive benefits.
Long term nursing care for those with medical conditions can present a significant burden for individuals and families, but the Medi-Cal program can provide significant support for medically necessary services, and most importantly, long term nursing care. You don’t necessarily need to have a low income or no savings to qualify for Medi-Cal. An experienced Medi-Cal attorney can help you more specifically understand what the qualifications are and how Medi-Cal could benefit you.
Could I Qualify For Medicare or Medi-Cal?
By discussing your individual situation with a professional attorney who is experienced in the specialized area of elder law, you can better determine whether you might qualify for Medicare and Medi-Cal. While also providing proper estate planning and management of personal and financial affairs, an experienced Medi-Cal attorney can take you through the process of understanding the eligibility factors for Medicare and Medi-Cal, help you qualify while protecting your assets, and assist you with the application and paperwork to ensure that you can access the programs you are entitled to.
To find out more about Medicare and Medi-Cal, as well as answering specific questions about your eligibility and the application process, it’s a good idea to talk to your local estate planning lawyer or Medi-Cal attorney to receive specific advice and guidance in the process of planning for a secure and healthy future.