 
Health Insurance California >> Long Term Care >> Plans Paying for Long Term Care Plans Paying for Long-Term Care • Medicare health plan might pay for skilled health care in a nursing home for a short period of time – but no longer than 100 days – and that to only when the patient actually meets all the Medicare health plan requirements for daily skilled Health care. While people also get personal care services in addition, Medicare health plan would not pay unless there is a need for daily skilled services that a nurse or therapist will provide. Medicare health plan might pay for some personal health care services at home but again, only if you also need skilled health care on a daily basis that only a licensed person could provide. • Medi-Cal health plan (called Medicaid outside California) pays for necessary health care that is not covered by Medicare health plan, unless and until you meet federal and state poverty guidelines. In 2002, a single person over 65 would qualify for Medi-Cal health plan if he/she had $2,000 or less in non-housing assets. A married spouse, living in the community, however, can keep up to $89,280 in non-housing assets and $2,232 in joint monthly income, when his or her spouse is in a nursing home and applies for Medi-Cal health plan these guide lines and the amount of assets and income a person may keep can change annually. Note: Here in this guide we have mentioned several times on Non-housing assets. In general, the value of a person’s house is not counted when applying for Medi-Cal health plan. While the state does have estate recovery rights after the death of a Medi-Cal beneficiary, there are certain exemptions that apply, particularly for surviving spouses. There are certain rules that the state must follow if it is to be successful in recovering any amounts the program paid. You can get the most current information about Medi-Cal health plan from your local county Department of Social Services, Legal Services Program, or an elder law attorney. • Personal Resources: Most people pay long-term care expenses from their own income and their own resources. When health care is provided by family members and friends at home, necessary skilled care such as equipment, transportation and other costs are not paid by Medicare health plan and are also paid from the patient’s personal income or the savings. People who use up their assets paying for long-term care are “spending down” and might become eligible for Medi-Cal health plan as a result. • Long-Term Care Insurance is
especially designed to pay a portion of long-term care costs. It is usually
available from private insurance
companies selling in California. This type of health plan may be very
much cost-effective for you if you have sufficient available income to
pay the premiums for the rest of your life.
For more informations on our services contact insurance brokers John Good | Kelly Good |
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