What Is Long Term Care Medi-Cal?

Hi there. My name’s Bridget Mackay, and this is my video blog. I’m an attorney in Petaluma. I work in elder law. In this series of videos, I’m talking about long-term care and having Medi-Cal, the state and federal program, pay for the cost of it for our aged and disabled loved ones. Today, I’m going to talk about what is long-term care Medi-Cal.

If you caught my first blog, I talked a little bit about the different definitions that often get confused. Even within the term, “Medi-Cal”, there are several programs in California that are administered through Medi-Cal, from basic coverage of medical needs, so doctors’ appointments, prescriptions, things like that. Covered California falls under… Medi-Cal has a policy that you can purchase under Covered California. Medi-Cal also covers poverty families, children under five, or young children.

But one aspect of it is covering long-term medical needs, or long-term care. Long-term care is any stay in a skilled nursing facility, so a nursing home, not a stay-in assisted living or a stay-in independent living or board and care, but specifically, someone who needs to be in a nursing home and need 24-hour skilled nursing can apply to Medi-Cal to pay for the cost of that care. And if you need that kind of care, you know that it’s anywhere between $10,000 to $12,000 a month.

When a person does need Medi-Cal, they need it desperately, and it can really relieve the cost on a family of caring for an aged and disabled relative who needs that type of care. So when you hear the term, “applying for Medi-Cal” and it relates to an older, aged person, or someone who’s disabled and needing 24-hour nursing home care, then you’re talking about long-term care through Medi-Cal.

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