Medi-Cal Planning: What Can the Healthy Spouse Keep?

While you pay taxes throughout your life, a portion of what you pay goes toward future Medicare coverage. If you have paid into the program sufficiently, you become eligible for coverage at the age of 65. If you know you re going to qualify for Medicare, you may be lulled into a false sense of security. It is logical to expect Medicare to pay for nursing home or assisted living community care, but in fact, Medicare does not pay for custodial care. Medicare will pay for limited convalescent care after hospitalization for a period of up to a maximum of 100 days, but it won t pay for help with your activities of daily living. Long-term care is extremely expensive, and few people can pay comfortably out-of-pocket. In northern California, a lengthy stay in a nursing home can cost over $7,500 or more per month. The Medi-Cal Program Medicaid is a government program that is in place to provide health insurance for people with financial need. In California, the program is called Medi-C


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