The Advantages of Having Medi-Cal for Elderly Individuals
As we age, healthcare becomes more essential — and unfortunately, more expensive. While Medicare provides important coverage for seniors, it doesn’t cover everything. That’s where Medi-Cal steps in.
If you or a loved one is over 65 and on a limited income, having Medi-Cal alongside Medicare can offer crucial benefits that reduce costs, expand services, and offer peace of mind.
Covers What Medicare Doesn’t
Medicare doesn’t cover many services that are vital for older adults. Medi-Cal helps fill those gaps by covering:
• Dental care
• Vision services (eye exams and glasses)
• Hearing aids
• In-home care and long-term care, including nursing homes
These additional benefits can significantly improve quality of life for seniors — and make it easier to maintain independence.
Pays Medicare Costs
Medi-Cal can also help cover the out-of-pocket costs that come with Medicare, including:
• Part A and Part B premiums
• Deductibles and copayments
• Prescription drug costs, often with additional support through the Extra Help program
This means more coverage, less financial strain, and fewer surprises when medical bills arrive.
No Asset Limit (Starting in 2024)
Thanks to recent changes in California, there is no longer an asset limit for Medi-Cal eligibility as of 2024. That means seniors can keep money in the bank and still qualify — as long as their income is low enough.
This change makes it easier for seniors to plan for their future without losing access to critical healthcare benefits.
Helps With Daily Living
Programs like In-Home Supportive Services (IHSS) provide caregivers to help with daily tasks like cooking, bathing, and mobility — making it possible for many seniors to remain in their homes rather than moving to a facility.
This not only preserves independence but also provides emotional comfort and stability.
Peace of Mind
Healthcare doesn’t have to be a source of stress. With Medi-Cal, seniors can rest easier knowing they have comprehensive support, lower costs, and access to care when they need it most.
Need Help? We’re Here for You
If you or your loved one is over 65 and wondering if you qualify for Medi-Cal, call us today for a free consultation. We’ll explain everything step by step and help you understand your options.
You deserve healthcare without the headache — let us help you get there.