Medi-Cal Planning Attorney in Oakland, California

No one likes to think about a time when they or their loved ones will be old and unable to care for themselves. However, it's ill-advised to live your life without thinking about the possibility that you or someone you love may someday enter a nursing home and incur potentially expensive costs of long-term care.  

Unfortunately, many people who approach their senior years without a proper plan end up paying large amounts of money out of pocket, which can quickly drain their savings. If you don’t want this to happen to you or your loved ones, start planning for the future now. The solution you may be looking for is Medi-Cal planning.  

In my years as a Medi-Cal planning attorney at the Law Offices of Gary R. Kershner, I've seen firsthand the confusion and stress many people face when navigating the long-term care system. If you are looking for ways to protect your hard-earned assets against the cost of long-term care, contact my office and schedule a free consultation.  

What Is Medi-Cal? 

Medi-Cal is California's Medicaid program, which provides health care services to low-income individuals, including families with children, seniors, individuals with disabilities, pregnant women, children in foster care, and low-income individuals diagnosed with diseases such as tuberculosis and HIV/AIDS. 

Medi-Cal is funded by the federal and state governments and offers a variety of medical services for those who qualify. From hospital stays to nursing home care, Medi-Cal provides a safety net for those who need it most. However, many are unaware of how to access these benefits or assume they won't qualify due to their income or assets. That's where proper planning comes into play. 

Difference Between Medi-Cal and Medicaid 

While both programs aim to assist low-income individuals with healthcare costs, there are some key differences to note. Medicaid is a federal program, and each state administers its version based on federal guidelines. Medi-Cal is California's implementation of Medicaid.

While Medicaid provides a broad framework, Medi-Cal has specific rules and benefits tailored to California residents. Another major difference is the scope of benefits. Medi-Cal often includes additional services not covered by Medicaid, such as dental care for adults.  

Who Is Eligible for Medi-Cal? 

Eligibility for Medi-Cal was previously determined by a combination of factors, including income, household size, and the value of assets. However, the eligibility rules changed starting January 1, 2024. According to the California Department of Health Care Services (DHCS), Medi-Cal only considers a person's income. In 2024, the income limit for a three-member household is $35,632.  

These eligibility rules can change at any moment and may vary depending on your circumstances. That’s why it's important to consult with an Oakland Medi-Cal planning attorney to determine your eligibility and obtain help with navigating the application process.  

What Is Medi-Cal Planning? 

Medi-Cal planning involves strategies to help individuals qualify for Medi-Cal benefits while protecting their assets. This process can include restructuring assets, setting up trusts, and making strategic financial decisions to meet the eligibility requirements. 

Effective Medi-Cal planning ensures that you or your loved ones receive the necessary care without exhausting your life savings. It's a proactive approach to managing your financial future and healthcare needs. 

Who Needs Medi-Cal Planning? 

Medi-Cal planning is not just for seniors or those with immediate healthcare needs. Anyone concerned about future medical expenses and asset protection can benefit from proper planning. 

• Fact: According to the California Department of Insurance, on average, nursing home care costs over $51,000 a year per individual. 

For instance, if you're approaching retirement, have a chronic illness, or simply want to ensure your family's financial security, Medi-Cal planning can be an option worth considering. It’s never too early to start planning for your healthcare needs.

Not sure if you qualify? As a California Medi-Cal planning attorney, I can help you restructure your finances to help you meet eligibility criteria while preserving your wealth.  

Why You Need an Oakland Medi-Cal Planning Attorney 

Navigating Medi-Cal can often be challenging, but you don’t have to do it alone. Some of the ways I can help include the following:

• Advise you on your options: I’ll strive to help you understand the various options available to you under Medi-Cal and other programs to help you make informed decisions. 

• Help you meet eligibility requirements: I’ll work with you to help you structure your assets and income in a way that meets Medi-Cal’s strict eligibility criteria. 

• Help you complete the application: I'll guide you through every step of completing your Medi-Cal application to ensure accuracy and completeness. 

• Handle communications with the DHCS on your behalf: I’ll manage all communications, so you don’t have to worry about dealing with the various governmental offices. 

• Shield your assets while minimizing taxes: I work hard to employ strategies that can help protect your hard-earned assets from being exhausted by healthcare costs, all while minimizing tax implications. 

• Protect your future and the future of your loved ones: My goal is to help ensure that you receive the best care possible without putting your financial security at risk.  

If you're interested in learning more about Medi-Cal planning or need assistance with your application, don't hesitate to reach out to my office.  

Why Choose Law Offices of Gary R. Kershner? 

When it comes to Medi-Cal planning, experience and attention to detail matter. At the Law Offices of Gary R. Kershner, I can help with your Medi-Cal planning needs as well as other aspects of California elder law.

• More than 30 years of experience: With extensive experience in Medi-Cal planning, I strive to provide you with the best possible advice and representation.  

• Background in education: My background in education means I prioritize clear communication and understanding. I'll take the time to explain your options and help you feel confident in your decisions. 

• Flexibility in appointments: I understand that your time is valuable. That's why I offer flexible appointments to accommodate your schedule, whether you prefer in-person meetings, phone conversations, or virtual consultations. 

• Prioritizing each client's needs: Every client's situation is unique, and my goal is to understand and address your specific needs. You can trust that your case will be handled with the utmost attention and care it deserves.  

• Individualized approach: When it comes to Medi-Cal planning, there’s no place for one-size-fits-all solutions. I'll work closely with you to help you develop a plan that fits your unique circumstances and goals as you work toward the outcome you want.  

I am committed to providing personalized counsel on not just Medi-Cal planning, but also other estate planning matters, including advance directives and incapacity planning.