The word is getting out: qualifying for Medi-Cal is going to get harder starting next year. If you haven’t already planned for long-term care, now is the time.
As we age, the likelihood of needing care increases—and the demand for services is rising fast. In fact, the first Baby Boomer turns 80 next year, and many more are entering the stage of life where care becomes a necessity. Unfortunately, accessing affordable care is not getting easier.
A comprehensive long-term care plan goes beyond just buying insurance. It includes:
Asset protection so you’re “pre-qualified” for Medi-Cal
Exploring modern care financing options that don’t follow the “use it or lose it” model
Life care planning to address every phase of the aging process
Think of it like earthquake preparation for those of us in California—inevitable, and essential.
Here’s a real-world example:
A client of mine completed Medi-Cal planning with me over 20 years ago when their spouse was in and out of the hospital. We put a plan in place assuming their spouse might need skilled nursing care. Sadly, their spouse passed before needing long-term care.
Fast forward to today: the client, now in their 80s, suffered a stroke and was placed in a long-term care facility. Thanks to the earlier planning, we were able to get Medi-Cal to cover the cost of the facility. Meanwhile, the client is privately paying for extra physical and occupational therapy and saving over $12,000 a month.
We’re now working toward transferring them to a private-pay facility with more comfort and options. None of this would have been possible without a plan made years ago.
If you want the peace of mind that comes with being prepared financially, legally, and medically, give me a call. The best time to plan is before you need it.
