Many do not realize the benefits of Medi-Cal in California. Did you know that even if you have private employer insurance that it can still be beneficial to have Medi-Cal. For many people dealing with an increase of medical expenses, they are also dealing with high deductibles. To help understand this better, let’s give an example.
Mary and John are in their 50’s and John was admitted for an infection. They are not sure what caused the systemic infection. He has now been in the hospital for 7 days, multiple tests, cultures, iv antibiotics, and specialists he is looking at a very large hospital bill. Mary talks to the hospital social worker who suggests that due to her husband’s insurance having a large $5,000 deductible and a 20% co-insurance that they could easily be looking at a high medical bill. The social worker explains that even if Mary and John have a share of cost with Medi-Cal it would make sense to apply. Furthermore, the social worker explains that now Medi-Cal as of January 1st 2024 assets no longer are counted. Mary quickly applies for Medi-Cal online providing all of the documents that the social worker advised her to apply with. Mary and John are now home when they find out that they were awarded Medi-Cal eligibility but with a very large share of cost. A few weeks later, they received the bill from the 10-day admission to the hospital. They advise the hospital billing department that John has Medi-Cal and work out an arrangement with the hospital using his Medi-Cal.
Here is one of many examples that help people understand the benefits of having Medi-Cal. Reach out if you would like to know more about your options! Solutions For Long-Term Care is here to help you.