When your loved one is in the hospital with a broken hip, on a ventilator, or has had a major stroke, some condition where they need 24/7 care, they’ll likely need to go to a rehabilitation facility. Some patients improve and return home. But for those who can’t go home, a skilled nursing facility is often the next step, and Medi-Cal can cover the cost.
For married couples, this care can be covered at no out-of-pocket cost. For single individuals, Medi-Cal requires them to contribute their monthly income (minus $25), but with an income of $3,000 per month, there’s no other care setting that comes close to that affordability—so this can still be a good solution.
The bad news?
Skilled nursing facilities are hospital-like environments, and they don’t suit everyone. That’s why planning ahead is so important. You need to know what kind of care is required and which type of facility will be the best fit for your loved one. Not just medically, but emotionally and financially.
As an attorney who’s spent 33 years helping families navigate Medi-Cal, Medicare, and private-pay options, I’ve helped hundreds qualify for Medi-Cal and hundreds more navigate private-pay scenarios. All of them have had to work through Medicare rules as well.
If you’re facing a similar situation, I can help you navigate this complex maze too. Just reach out. I’m here to guide you.
