Many Americans find it difficult to deal with any health problems they may have because there is no formal healthcare system in place in the country. In an effort to lessen the effects of the absence of a free healthcare system, several welfare schemes have been launched. People of any age who satisfy specific financial qualifying standards can get health care under California’s Medicaid program, Medi-Cal. This section solely addresses Medi-Cal beneficiaries who also qualify for Medicare, which consists of those who are disabled or over a particular age.
You can apply for Medi-Cal via online, via phone, via mail, or in person. The most simple way is via the official health insurance marketplace of the state, Covered California, available on its website. An application form may also be downloaded from the California Department of Health Care Services (DHCS) website, or you can call them to obtain a paper copy, which you can then submit to the county social services office in your area.
CalBenefits Income Limits 2024
For many people and families in the US, finding inexpensive healthcare is still a big worry. The Medicaid program in California, known as Medi-Cal, is essential in helping people who fulfill certain income requirements obtain health care. The Medicaid health care program in California is called Medi-Cal. A government program called Medi-Cal covers health and medical expenses for those 65 years of age or older who are handicapped and have poor incomes and few resources.
Apart from adult coverage, California provides relatively substantial coverage for children. If you and your spouse are not qualified for Adult Medi-Cal, your children may still be eligible for CCHIP. Adult Medi-Cal has a lower income criterion than the CCHIP program. ObamaCare often covers parents, whereas Medicaid (Medi-Cal CCHIP) typically covers children.
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Medi-Cal Eligibility
In 2024, your monthly gross income as an individual or as a married couple must not exceed $1,732 or $2,332 respectively to qualify for Medi-Cal with no cost-sharing. When one partner in a married pair resides in a nursing facility, there are increased resource and income limitations.
- People receiving SSI are inherently qualified for full Medi-Cal.
- Even with a Share of Cost, those whose income exceeds the Medi-Cal threshold may still be eligible under this program.
What is a Share of Cost?
Even if your income exceeds the Medi-Cal income restrictions, you will still be required to pay a Share of Cost.
- A Share of Cost is not something you have to pay each month, it is the part of your medical expenditures that you are responsible for paying before Medi-Cal covers the remaining portion of your monthly expenses. It functions similarly to a deductible.
- Medi-Cal will not cover any of your medical fees as long as they don’t beyond your monthly share of costs. Medical bills beyond your monthly share of costs will be covered by Medi-Cal.
- To find your anticipated Share of Cost, deduct your monthly wage from USD 620 for an individual and $954 for a couple, along with any premiums you may be paying for health insurance (including Part B).
How to claim for Medi-Cal Benefits?
You must call Medi-Cal Center a call at (877) 962-3633 or (408) 758-3800 and ask them you want to apply or Medi-Cal application over the phone.
- Keep your birthdate and Social Security number handy.
- Your Medi-Cal benefits will begin on the day you phoned if you are qualified. If you choose not to begin the application process over the phone, your benefits will begin the day you mail your application back to the address on the form.
- If true, indicate that you have medical expenditures to begin the Medi-Cal application process and receive benefits up to three months ahead of the date of the application.
Current income limit for Medi-Cal 2024 in California
A health care program called Medicaid is available to LI people of all ages. Although there are many coverage categories, the focus of this article is on California older citizen’s eligibility for Medicaid long-term care (age 65 and older).
Apart from assisted living and nursing facility care, many non-medical support services that enable fragile seniors live in their homes are covered by California Medicaid, often known as Medi-Cal. Seniors in California may qualify for one of three Medi-Cal long-term care program categories. The qualifying requirements for the three Medi-Cal long-term care program categories differ in terms of both finances and medical (or functional) needs.
Due to California’s several qualifying paths, yearly changes in income restrictions, and variations in marital status, eligibility is made even more difficult to determine. The following income thresholds will apply to both Individual and couples who are also qualify for Medicare as of 2024:
- Individual: USD 1,732 per month
- Couple: USD 2,351 per month
Myths Regarding Medi-Cal
- It is untrue to say that Medi-Cal is only for jobless individuals. Medi-Cal is also available to many low-income working people.
- Only a few health services are provided under Medi-Cal: Preventive care, managing chronic diseases, and emergency assistance are just a few of the many things that Medi-Cal truly offers.
- Applications for Medi-Cal are only available to citizens of the United States. Asylees, refugees, and permanent residents who are not citizens may also be eligible for Medi-Cal.
Niamh Prescott has a degree in Mass Communication and an MBA in Finance. She has worked for two media houses and is now running her own media company.
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