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If you apply her for Cal-Fresh, which is basically the new term for food stamps, she can deduct her cost of living from her income (along with any reoccurring monthly costs for medical coverage/medication like I mentioned above) so that means she can deduct her rent/mortgage payment. I applied my mom for this not thinking she would qualify but when you deduct her monthly mortgage payment from her monthly income she qualified for about $300 a month. Something is definitely better than nothing so she was happy as a clam with that.
I want to say that to start my parents were denied Medi-Cal coverage due to their income being too high but I got them approved for full Medi-Cal coverage with no share of cost after I spoke with the Medi-Cal office and sent in the requested documents to show their monthly medicine costs and monthly costs for health insurance. Don’t give up!
she has a credit card she is paying down. Would that count that credit card payment and deduct that from what she brings home?
She pays almost $1100 /month in medical insurance, life insurance, credit cards, and phone. After that she has about $1300/mo. Wonder if that would count.
If she applies for Cal-Fresh they allow you to use more things to qualify. You can deduct her monthly costs for rent/mortgage, I believe her cell phone bill, plus any reoccurring monthly medical costs. I think a single person can get up to around $300 a month (it was something like $290) which is what my mom qualified for. But Cal-Fresh, like I said before, is basically the new program for food stamps. It’s not medical care. It’s just extra money she can use for groceries. They put it on a credit card now so it’s not embarrassing going to the store having to pay with food stamps at checkout. Plus you can use it when you make a delivery order from Safeway, Costco, Amazon Fresh, basically all the grocery delivery services! My mom loves it!
I'm not sure if you can deduct life insurance payments. Ask your local Medi-Cal office. She might be able to deduct that but I’m not sure. It depends on if they classify it as a monthly “medical expense” or not.
The Medical site will inform you; I am not nearly knowledgeable enough.
I would, were I apply for Medical, see an elder law attorney with a list of all assets and of monthly income statements.
This is nowadays so very complicated that it requires expert guidance and advice imho. It isn't something you can afford to be wrong about.
Do research on the Medi-cal site for California and learn all you can from your own research regarding all qualifying numbers and diagnoses on ADLs, and etc.
After you get all the information you are able to get online, give them a call with questions. You will have a long wait but they are very nice when you get them.
And do consider seeing an elder law attorney. Yes, this hour of time will cost you somewhere between 400 and 700 for the hour, but you will get the information you need.
A Forum of caregivers, even those of us with some experience, is just to chancy when qualifying is so very important.
I sure wish you the best of luck, and once you have got through THIS system YOU will be the expert here on this question!
As Alva said, criteria has changed in Cal. for MediCal. I always found it was better to get an appt with a Medicaid caseworker and find out from them what the income and asset caps are. And anyother questions you may have.