Medi-Cal under ObamaCare/ACA is now a lot easier to qualify for!
For most individuals, Medi-Cal eligibility will be based on your household size and your MAGI – Income. If you have less than 138% of Federal Poverty Level, for children 266%, that’s it.
- Assets are no longer counted!
- Covered CA Income and FPL Federal Poverty Level Chart
- Chart on Medi-Cal’s Website
- Covered CA Medi-Cal Overview
Disability Benefits 101 – Excellent explanation!
Los Angeles ONLINE Enrollment –
Contact Information for other counties
Explanation from Western Poverty Law
Chapter 2. MAGI Medi-Cal Programs
1. Tax Filer Rules
2. Non-Filer Rules
3. Counting Households with a Pregnant Woman
B. Counting Income
C. MAGI Medi-Cal Programs
1. Expansion Adults
2. Parents and Caretaker Relatives
3. Pregnant Women
a. MAGI Medi-Cal Programs for Pregnant Women
b. Medi-Cal Access Program (MCAP) for Pregnant Women and Newborns up to Age 2
4. Children: MAGI Medi-Cal, the Targeted Low-Income Children’s Program, and MCAP Infants and Babies
a. Infants: 0 to 1 year old
b. Children: Ages 1 to 6
c. Children: Ages 6 to 19
My Medi-Cal
How to get the Health Care You Need
24 pages
Smart Phones – try turning sideways to view pdf better
Medi Cal Explained CHCF
More
February 2019 17 pages
10 Essential Health Benefits
Video
Western Poverty Law – Exact Legal Rules on
Coverage for Low Income Californian’s
Historical Guide 2006 CHCF 174 pages
Our Webpage on
COVID 19
ObamaCare – Expansion to 138% of FPL
Utilizing Medi-Cal Expansion to Increase Health-Care Access
VIDEO
Assembly Bill 1 ** Senate.bill.1.
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CFR – Code of Federal Regulations
45 CFR 155.305 Eligibility Standards
- § 155.300 — Definitions and general standards for eligibility determinations.
- § 155.302 — Options for conducting eligibility determinations.
- § 155.305 — Eligibility standards.
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(c) Eligibility for Medicaid. The Exchange must determine an applicant eligible for Medicaid if he or she meets the non-financial eligibility criteria for Medicaid for populations whose eligibility is based on MAGI-based income, as certified by the Medicaid agency in accordance with 42 CFR 435.1200(b)(2), has a household income, as defined in42 CFR 435.603(d), that is at or below the applicable Medicaid MAGI-based income standard as defined in 42 CFR 435.911(b)(1) and –
(1) Is a pregnant woman, as defined in the Medicaid State Plan in accordance with 42 CFR 435.4;
(2) Is under age 19;
(3) Is a parent or caretaker relative of a dependent child, as defined in the Medicaid State plan in accordance with42 CFR 435.4; or
(4) Is not described in paragraph (c)(1), (2), or (3) of this section, is under age 65 and is not entitled to or enrolled for benefits under part A of title XVIII of the Social Security Act, or enrolled for benefits under part B of title XVIII of the Social Security Act.
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- § 155.310 — Eligibility process.
- § 155.315 — Verification process related to eligibility for enrollment in a QHP through the Exchange.
- § 155.320 — Verification process related to eligibility for insurance affordability programs.
- § 155.330 — Eligibility redetermination during a benefit year.
- § 155.335 — Annual eligibility redetermination.
- § 155.340 — Administration of advance payments of the premium tax credit and cost-sharing reductions.
- § 155.345 — Coordination with Medicaid, CHIP, the Basic Health Program, and the Pre-existing Condition Insurance Plan.
- § 155.350 — Special eligibility standards and process for Indians.
- § 155.355 — Right to appeal.
- SUBPART A — General Provisions. (§§ 155.10 – 155.20)
- SUBPART B — General Standards Related to the Establishment of an Exchange (§§ 155.100 – 155.170)
- SUBPART C — General Functions of an Exchange (§§ 155.200 – 155.285)
- SUBPART D — Exchange Functions in the Individual Market: Eligibility Determinations for Exchange Participation and Insurance Affordability Programs (§§ 155.300 – 155.355)
- SUBPART E — Exchange Functions in the Individual Market: Enrollment in Qualified Health Plans (§§ 155.400 – 155.430)
- SUBPART F — Appeals of Eligibility Determinations for Exchange Participation and Insurance Affordability Programs (§§ 155.500 – 155.555)
- SUBPART G — Exchange Functions in the Individual Market: Eligibility Determinations for Exemptions (§§ 155.600 – 155.635)
- SUBPART H — Exchange Functions: Small Business Health Options Program (SHOP) (§§ 155.700 – 155.740)
- SUBPART I — J [Reserved]
- SUBPART K — Exchange Functions: Certification of Qualified Health Plans (§§ 155.1000 – 155.1080)
- SUBPART L — [Reserved]
- SUBPART M — Oversight and Program Integrity Standards for State Exchanges (§§ 155.1200 – 155.1210)
- SUBPART N — State Flexibility (§§ 155.1300 – 155.1328)
- SUBPART O — Quality Reporting Standards for Exchanges (§§ 155.1400 – 155.1405)
- § 435.900 — Scope.
- General Methods of Administration
- Applications
- § 435.905 — Availability of program information.
- § 435.906 — Opportunity to apply.
- § 435.907 — Written application.
- § 435.908 — Assistance with application.
- § 435.909 — Automatic entitlement to Medicaid following a determination of eligibility under other programs.
- § 435.910 — Use of social security number.
- Determination of Medicaid Eligibility
- Redeterminations of Medicaid Eligibility
- § 435.916 — Periodic redeterminations of Medicaid eligibility.
- § 435.919 — Timely and adequate notice concerning adverse actions.
- § 435.920 — Verification of SSNs.
- Furnishing Medicaid
- Income and Eligibility Verification Requirements
Source:Sections 435.940 through 935.965 appear at 51 FR 7211, Feb. 28, 1986, unless otherwise noted.
- § 435.940 — Basis and scope.
- § 435.945 — General requirements.
- § 435.948 — Requesting information.
- § 435.949 — Verification of information through an electronic service.
- § 435.952 — Use of information.
- § 435.953 — Identifying items of information to use.
- § 435.955 — Additional requirements regarding information released by a Federal agency.
- § 435.956 — Verification of other non-financial information.
- § 435.960 — Standardized formats for furnishing and obtaining information to verifying income and eligibility.
- § 435.965 — Delay of effective date.
Covered CA Certified Agent
No extra charge if you qualify for Covered CA Subsidies.
We don't get compensated to help you with Medi Cal. Here's Medi-Cal's contact information.
Get a Covered CA Quote, including subsidy calculation
Video on why you should have an agent
VIDEO --- Difference between Medi Cal & Covered CA
Report changes as they happen - within 30 days!
Visit our webpage on how to report changes
Covered CA's Webpage on Reporting Changes
- Our VIDEO on how to report changes to Covered CA
- Lost your job? How to keep your Health Insurance. Shelter at Home VIDEO
- References & Links
- Here's instructions.
- If you've appointed us - instructions - as your broker, no extra charge, we can do it for you.
- Denial of benefits and possible criminal charges if you don't report changes in income!
Federal Poverty Level &
Program Chart
Medi-Cal? Covered CA Subsidies? Enhanced Silver?
Child, Other FAQ and Main Medi-Cal Pages
Request for Verification CW 2200
- Aged and Disabled Federal Poverty Level Program
- MAGI Income – FAQ’s – Conical
- Pregnant Women – Medi-Cal Eligibility – MCAP to 322% FPL
FAQ’s from Updated Webpage
https://californiahealthline.org/news/this-family-says-no-to-medi-cal-but-a-computer-wont-listen/
Is this still an issue since the article is from 2016 ? Or do I need to buy insurance directly from insurers rather than on covered CA. Would that fix the problem?
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Did you check the income chart? Two people would be $100K
Please use our quote engine cited above.
What Special Enrollment Reason will we use?
There is a Special Enrollment for those who don’t have coverage due to COVID 19. We might be able to do that.
It’s my understanding only Covered CA has the Special Enrollment for COVID 19. I can double check.
Our webpage on Insurance and COVID 19.
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Yes income is much higher than that so I’m sure we won’t qualify for subsidies.
When I enter our ZIP code on covered CA the health net plan doesn’t show up. So I believe I’ll have to buy it outside covered CA.
Does special enrollment apply to health net plan purchased directly through them as well?
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Please use OUR quote engine, so that we can follow what you are doing. Also, we only get compensated if you purchase through our affiliate link, no extra charge.
We do not accept hearsay. We need to see the exact stuff!
Covered CA not Health Net pay us for our second to none website. Nor for the time it saves their personnel on the phone.
Here’s a list of plans that Health Net writes by county. Santa Clara shows up for PPO.
Here’s our online enrollment link and quoter for Health Net.
Yes, since everything under ACA/Health Care Reform/Obamacare is guaranteed issue, no pre-x, you can only buy at Open or Special Enrollment. Not when you get diagnosed with cancer and have MAJOR bills ahead!
If you can get Medi-Cal to disenroll you, that would be a special enrollment for loss of coverage.
Here’s an excerpt of Health Net’s bulletin about the COVID 19 special enrollment
Here’s what you need to know about the SEP:
• Any uninsured individual or family can use this SEP to apply for 2020 health coverage.
• This SEP is for new enrollment only and not available for plan changes.
• To enroll in one of our off-exchange plans, go to http://www.myhealthnetca.com. Proof of a qualifying event is not needed to enroll under this SEP. You may also use the existing 2020 IFP enrollment forms to apply by mail.
• Effective dates of coverage are:
Enroll by Effective date
May 31 June 1, 2020
June 30 July 1, 2020• After June 30, 2020, the regular special enrollment period qualifying events apply.
• First month’s premium payment is required to activate coverage.
• The impact of COVID-19 on small businesses may be causing some people to lose employer based health coverage. Individuals can use this SEP to enroll with Health Net to regain health coverage.-
So, it looks like, if you take your Mom as a dependent, Medi-Cal will kick you out.
Then you would have a special enrollment period for loss of coverage.
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Here’s a list on Stanford’s website of the plans they take.
Please use OUR quote engine so we can properly consult with you.
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Medi Cal Plans
Santa Clara Family Health Plan
Stanford Health Care is in-network for hospital and specialist physician services only. You would not be able to select a Stanford Health Care physician as your primary care physician.
In order to be seen at Stanford Health Care, your primary care physician would need to refer you and your medical group or health plan would need to authorize all services provided at Stanford Health Care or by Stanford Health Care physicians.
Our webpage on appeals & grievances
Santa Clara Family Health Plan Medi Cal Website
See page 36 for information on getting a second opinion
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Medi-Cal Eligibility Procedures Manual
https://www.dhcs.ca.gov/services/medi-cal/eligibility/Pages/MedEligProcManual.aspx
Medi-Cal Eligibility Procedures Manual
https://www.dhcs.ca.gov/services/medi-cal/eligibility/Pages/MedEligProcManual.aspx
Medi-Cal is California’s Medicaid program, which provides health insurance to individuals and families who earn low incomes, including 40% of the state’s children, half of Californians with disabilities, and over a million seniors. In total, the program covers more than 12 million people, or nearly one in three Californians.
Medi-Cal also covers a large number of working Californians, many of whom became eligible for the program because of the Affordable Care Act’s Medicaid expansion. Working Californians may be one of the least recognized or understood populations served by the program. In a 2018 poll, 42% of Californians said that they believed that most working-age adults without a disability enrolled in Medi-Cal are unemployed. Twenty percent said they didn’t know. This report combines key findings from survey data with insights from 19 in-depth interviews with enrollees to paint a more accurate and complete picture of working Californians who rely on Medi-Cal, why they came to enroll in the program, and the role it plays in their lives.
The report is accompanied by video stories from a few working Californians who participated in the in-depth interviews
https://www.chcf.org/publication/working-californians-enrolled-medi-cal-stories/
Medi-Cal is California’s Medicaid program, which provides health insurance to individuals and families who earn low incomes, including 40% of the state’s children, half of Californians with disabilities, and over a million seniors. In total, the program covers more than 12 million people, or nearly one in three Californians.
Medi-Cal also covers a large number of working Californians, many of whom became eligible for the program because of the Affordable Care Act’s Medicaid expansion. Working Californians may be one of the least recognized or understood populations served by the program. In a 2018 poll, 42% of Californians said that they believed that most working-age adults without a disability enrolled in Medi-Cal are unemployed. Twenty percent said they didn’t know. This report combines key findings from survey data with insights from 19 in-depth interviews with enrollees to paint a more accurate and complete picture of working Californians who rely on Medi-Cal, why they came to enroll in the program, and the role it plays in their lives.
The report is accompanied by video stories from a few working Californians who participated in the in-depth interviews
https://www.chcf.org/publication/working-californians-enrolled-medi-cal-stories/
My family is receiving medi-cal in California due to low income.
If I sell my house, will that disqualify me for medi-cal for that year only or will it disqualify me longer?
See the rules about low income subsidy and selling a home for reference.
See our page on Capital Gains and the sale of a home
Being as MAGI Medi Cal is based on monthly earnings, it looks like you only would be in Covered CA for a month, if that’s what you want.
Get Covered CA quotes here.
Did you need life insurance to protect your family?
My family is receiving medi-cal in California due to low income.
If I sell my house, will that disqualify me for medi-cal for that year only or will it disqualify me longer?
See the rules about low income subsidy and selling a home for reference.
See our page on Capital Gains and the sale of a home
Being as MAGI Medi Cal is based on monthly earnings, it looks like you only would be in Covered CA for a month, if that’s what you want.
Get Covered CA quotes here.
Did you need life insurance to protect your family?
I am on Medi-Cal ( CA medicaid) as an “expansion adult” qualified based on MAGI.
I am turning 65 next week so supposedly my MAGI eligibility ends right then but I haven’t received any “dis-enrollment” or “recertification” notices.
So I wonder how that works and for how long I am “safe”… That would affect when I want my medicare to start.
We are not aware of any Medicare provision that allows one on MAGI Medi-Cal to delay enrollment. In fact, there are Part B penalties if you don’t enroll on time.
If you have to pay for Part A Hospital and don’t sign up on time, there is a penalty.
You are MANDATED to inform Medi-Cal of any changes to eligibility within 10 days. Medi-Cal might get VERY pissed, if you don’t
Welfare & Institutions Code 14005.37. (h) Beneficiaries shall be required to report any change in circumstances that may affect their eligibility within 10 calendar days following the date the change occurred. See Also Western Poverty Guide page 6.226
BUT, per your redetermination page https://medi-cal.healthreformquotes.com/redetermination/
and https://www.law.cornell.edu/cfr/text/42/435.916
Once you are renewed by Medi-Cal it’s good for a year!
Yes, but besides the mandate to report changes, the periodic renewal mentions this:
(d) Agency action on information about changes.
(1) Consistent with the requirements of § 435.952 of this part, the agency must promptly redetermine eligibility between regular renewals of eligibility described in paragraphs (b) and (c) of this section whenever it receives information about a change in a beneficiary’s circumstances that may affect eligibility.
Yeah, but Medi Cal already knows my date of birth, so nothing has changed!
You’re going beyond our pay grade. We are not lawyers.
When to report a change in circumstances to Medicaid?
If the Medicaid recipient does nothing, they are breaking the law. A change in circumstance is also for minor but important life events such as change of address. If you don’t let SSA know, then they can’t communicate with you, which will cause a whole host of potential problems.
If the Medicaid recipient does nothing after a significant change in circumstances (such as coming into new money), Medicaid will eventually find out (likely from the IRS) or as part of a random audit and they may kick the Medicaid recipient out of the program and demand retroactive reimbursement for benefits paid while the person was no longer qualified. https://www.elderneedslaw.com/blog/change-in-circumstance
https://www.cbpp.org/health/medicaid-compliance-with-eligibility-requirements
Did you report that you would be eligible for Medicare?
Western Poverty 6.226
Age: Expansion Adults must be at least 19 years old and under age 65
Beneficiaries who turn 65 while they are enrolled in Medi-Cal as an Expansion Adult must be evaluated for eligibility in all other Medi-Cal programs, i.e., non-MAGI programs such as for the aged, blind or disabled, before they are disenrolled.
https://wclp.org/wp-content/uploads/2016/06/Western_Center_2016_Health_Care_Eligibility_Guide_Full_rev.1.pdf#page=50
23. 42 U.S.C. § 1396a(a)(10)(A)(i)(VIII); 42 C.F.R. § 435.119(b)(1); Welf. & Inst. Code § 14005.60(a); MEDIL 13-12 (Sep. 16, 2013) at p. 6,
24. Welf. & Inst. Code § 14005.37(d)
Aged & Disabled?
https://medi-cal.healthreformquotes.com/eligibility/aged-and-disabled/
Covered CA agrees with that on children who turn 26. They can stay on the plan till the end of the year.
Here’s a graph about waiting too long to enroll in Medicare Part B.
Publication 11036
Penalties for Part B even if you had Covered CA…
https://cahealthadvocates.org/equitable-relief-waiver-of-part-b-penalties-ends-sept-30-apply-now/
https://medicare.healthreformquotes.com/seminar/part-b/part-b-doctor-visits-late-enrollment-penalty/covered-ca-waiver-part-b-penalty/
Reply from Medi-Cal!!!
Dear Steve,
You can stay on Medi-Cal after the age of 65 years of age, even if your renewal happens before the age of 65 years old. If you have full Medi-Cal benefits, you pay no Medicare cost sharing.
The medical services must be covered by Medicare and Medi-Cal. share of coast before Medi-Cal pays for your medical expense.
Medi-Cal will only cover these costs and services if you use providers that accept Medi-Cal. … If you qualify for full Medi-Cal (Medi-Cal without a share of cost (SOC)), Medi-Cal will also cover your Medicare Part A and B deductibles and copayments, and pay your monthly Medicare Part B premium.
Let me suggest you review the Medicare webpage:
https://www.medicare.gov/sign-up-change-plans/how-do-i-get-parts-a-b/part-a-part-b-sign-up-periods , and provide you with more information.
Thank you for allowing DHCS to serve you.
Timothy
Here’s our webpage on signing up for Medicare A & B
Can one trust what a Government Worker says?
President Trump – No one except Steve Shorr knew how complicated Insurance was
https://youtu.be/b_8UFNQqk7k
I am on Medi-Cal ( CA medicaid) as an “expansion adult” qualified based on MAGI.
I am turning 65 next week so supposedly my MAGI eligibility ends right then but I haven’t received any “dis-enrollment” or “recertification” notices.
So I wonder how that works and for how long I am “safe”… That would affect when I want my medicare to start.
We are not aware of any Medicare provision that allows one on MAGI Medi-Cal to delay enrollment. In fact, there are Part B penalties if you don’t enroll on time.
If you have to pay for Part A Hospital and don’t sign up on time, there is a penalty.
You are MANDATED to inform Medi-Cal of any changes to eligibility within 10 days. Medi-Cal might get VERY pissed, if you don’t
Welfare & Institutions Code 14005.37. (h) Beneficiaries shall be required to report any change in circumstances that may affect their eligibility within 10 calendar days following the date the change occurred. See Also Western Poverty Guide page 6.226
BUT, per your redetermination page https://medi-cal.healthreformquotes.com/redetermination/
and https://www.law.cornell.edu/cfr/text/42/435.916
Once you are renewed by Medi-Cal it’s good for a year!
Yes, but besides the mandate to report changes, the periodic renewal mentions this:
(d) Agency action on information about changes.
(1) Consistent with the requirements of § 435.952 of this part, the agency must promptly redetermine eligibility between regular renewals of eligibility described in paragraphs (b) and (c) of this section whenever it receives information about a change in a beneficiary’s circumstances that may affect eligibility.
Yeah, but Medi Cal already knows my date of birth, so nothing has changed!
You’re going beyond our pay grade. We are not lawyers.
When to report a change in circumstances to Medicaid?
If the Medicaid recipient does nothing, they are breaking the law. A change in circumstance is also for minor but important life events such as change of address. If you don’t let SSA know, then they can’t communicate with you, which will cause a whole host of potential problems.
If the Medicaid recipient does nothing after a significant change in circumstances (such as coming into new money), Medicaid will eventually find out (likely from the IRS) or as part of a random audit and they may kick the Medicaid recipient out of the program and demand retroactive reimbursement for benefits paid while the person was no longer qualified. https://www.elderneedslaw.com/blog/change-in-circumstance
https://www.cbpp.org/health/medicaid-compliance-with-eligibility-requirements
Did you report that you would be eligible for Medicare?
Western Poverty 6.226
Age: Expansion Adults must be at least 19 years old and under age 65
Beneficiaries who turn 65 while they are enrolled in Medi-Cal as an Expansion Adult must be evaluated for eligibility in all other Medi-Cal programs, i.e., non-MAGI programs such as for the aged, blind or disabled, before they are disenrolled.
https://wclp.org/wp-content/uploads/2016/06/Western_Center_2016_Health_Care_Eligibility_Guide_Full_rev.1.pdf#page=50
23. 42 U.S.C. § 1396a(a)(10)(A)(i)(VIII); 42 C.F.R. § 435.119(b)(1); Welf. & Inst. Code § 14005.60(a); MEDIL 13-12 (Sep. 16, 2013) at p. 6,
24. Welf. & Inst. Code § 14005.37(d)
Aged & Disabled?
https://medi-cal.healthreformquotes.com/eligibility/aged-and-disabled/
Covered CA agrees with that on children who turn 26. They can stay on the plan till the end of the year.
Here’s a graph about waiting too long to enroll in Medicare Part B.
Publication 11036
Penalties for Part B even if you had Covered CA…
https://cahealthadvocates.org/equitable-relief-waiver-of-part-b-penalties-ends-sept-30-apply-now/
https://medicare.healthreformquotes.com/seminar/part-b/part-b-doctor-visits-late-enrollment-penalty/covered-ca-waiver-part-b-penalty/
Reply from Medi-Cal!!!
Dear Steve,
You can stay on Medi-Cal after the age of 65 years of age, even if your renewal happens before the age of 65 years old. If you have full Medi-Cal benefits, you pay no Medicare cost sharing.
The medical services must be covered by Medicare and Medi-Cal. share of coast before Medi-Cal pays for your medical expense.
Medi-Cal will only cover these costs and services if you use providers that accept Medi-Cal. … If you qualify for full Medi-Cal (Medi-Cal without a share of cost (SOC)), Medi-Cal will also cover your Medicare Part A and B deductibles and copayments, and pay your monthly Medicare Part B premium.
Let me suggest you review the Medicare webpage:
https://www.medicare.gov/sign-up-change-plans/how-do-i-get-parts-a-b/part-a-part-b-sign-up-periods , and provide you with more information.
Thank you for allowing DHCS to serve you.
Timothy
Here’s our webpage on signing up for Medicare A & B
Can one trust what a Government Worker says?
President Trump – No one except Steve Shorr knew how complicated Insurance was
https://youtu.be/b_8UFNQqk7k
View more FAQ’s
Hi Steve,
Confusion about MAGI Medi-Cal.
For those young adults who are healthy, not pregnant but have no income goes into the MAGI Medi-cal file.
Although the asset test is said to be no longer required, why do case workers still ask for bank statements and questions about personal assets?
Are they confused?
Medi-Cal has many other programs that you might qualify for. Like food stamps, nursing home, phones, etc. Medi-Cal has a wide range of social services. They are Social or Case workers.
See also our page on “bank statement review”
View more FAQ’s
Hi Steve,
Confusion about MAGI Medi-Cal.
For those young adults who are healthy, not pregnant but have no income goes into the MAGI Medi-cal file.
Although the asset test is said to be no longer required, why do case workers still ask for bank statements and questions about personal assets?
Are they confused?
Medi-Cal has many other programs that you might qualify for. Like food stamps, nursing home, phones, etc. Medi-Cal has a wide range of social services. They are Social or Case workers.
See also our page on “bank statement review”
Hi Steve,
I have a Medi-Cal question you might be able to answer or point me in the right direction.
My wife and I have an adult son with various medical problems. He’s on Medi-Cal since his MAGI is below the limit because he can work only part-time due to his health. So he can’t support himself alone.
He lives with us and we feed him.
However, he files his own income taxes, meaning we don’t have him on our return as a dependent.
Nonetheless, is our financial support somehow jeopardizing his Medi-Cal eligibility?
Thank you for being generous with your time and knowledge.
See our webpage on counting household size for someone filing their own tax return and not being claimed as a dependent elsewhere.
Let me see if providing room and board counts as gift income?
Paying for the living expenses of an individual you do not have a legal obligation to support. In addition to non-related parties, this also could apply to adult children. If you are paying for the room and board for a child you are no longer obligated to support, this may be a gift. http://www.troutcpa.com/blog/what-is-a-gift
Not all money transfers are gifts The IRS isn’t interested in the rental value of your child’s old bedroom, or the amount of food that disappears from your refrigerator.https://blog.taxact.com/gift-tax-supporting-adult-children/
Covered CA list of countable income
This question is really beyond my pay grade. Covered CA suggests you try VITA. I would think the question is beyond their pay grade too. Try your own CPA.
Do you need life insurance to make sure your son is supported if you are not here?
Thank you Steve, I will check these out.
Hi Steve,
I have a Medi-Cal question you might be able to answer or point me in the right direction.
My wife and I have an adult son with various medical problems. He’s on Medi-Cal since his MAGI is below the limit because he can work only part-time due to his health. So he can’t support himself alone.
He lives with us and we feed him.
However, he files his own income taxes, meaning we don’t have him on our return as a dependent.
Nonetheless, is our financial support somehow jeopardizing his Medi-Cal eligibility?
Thank you for being generous with your time and knowledge.
See our webpage on counting household size for someone filing their own tax return and not being claimed as a dependent elsewhere.
Let me see if providing room and board counts as gift income?
Paying for the living expenses of an individual you do not have a legal obligation to support. In addition to non-related parties, this also could apply to adult children. If you are paying for the room and board for a child you are no longer obligated to support, this may be a gift. http://www.troutcpa.com/blog/what-is-a-gift
Not all money transfers are gifts The IRS isn’t interested in the rental value of your child’s old bedroom, or the amount of food that disappears from your refrigerator.https://blog.taxact.com/gift-tax-supporting-adult-children/
Covered CA list of countable income
This question is really beyond my pay grade. Covered CA suggests you try VITA. I would think the question is beyond their pay grade too. Try your own CPA.
Do you need life insurance to make sure your son is supported if you are not here?
Thank you Steve, I will check these out.
Eligibility is determined by MAGI, but is there also a countable property limit?
See reply to virtually the same question below.
Eligibility is determined by MAGI, but is there also a countable property limit?
See reply to virtually the same question below.
If I remarry, would my child lose his Medi Cal? The child qualified as my spouse passed away.
I’m not familiar with Medi Cal benefits, simply because a parent passed away.
Please advise what program that is.
If you only have private documents from Medi Cal or Social Security so stating, please send that to me privately at [email protected]
If what you mean is, the income for you and the child is below 266% of Federal Poverty Level Chart or $45k for a family of two, then the child would qualify for Medi Cal. Family of 3 $57k.
Family Size basically goes by whose on the tax return. For Covered CA and I presume Medi Cal, married persons must file jointly.
So, please respond anonymously with yours and your “fiances” income and I’ll look at the charts for you…
If I remarry, would my child lose his Medi Cal? The child qualified as my spouse passed away.
I’m not familiar with Medi Cal benefits, simply because a parent passed away.
Please advise what program that is.
If you only have private documents from Medi Cal or Social Security so stating, please send that to me privately at [email protected]
If what you mean is, the income for you and the child is below 266% of Federal Poverty Level Chart or $45k for a family of two, then the child would qualify for Medi Cal. Family of 3 $57k.
Family Size basically goes by whose on the tax return. For Covered CA and I presume Medi Cal, married persons must file jointly.
So, please respond anonymously with yours and your “fiances” income and I’ll look at the charts for you…
I have too much money in my bank account assets to qualify for Medi-Cal, but I don’t make enough to qualify for Covered CA subsidies. What can I do?
There is no longer an asset test for Medi Cal. You need to earn at least $17k to get subsidies with Covered CA. Click here to enroll in Medi Cal in Los Angeles County https://medi-cal.healthreformquotes.com/medi-cal-introduction/enroll-online-los-angeles/ I don’t get paid to help you enroll or to answer questions.
https://wclp.org/wp-content/uploads/2016/06/Western_Center_2016_Health_Care_Eligibility_Guide_Full_rev.1.pdf#page=4
H. Assets or Resources
In an effort to simplify program rules, the MAGI methodology does not consider assets or resources other than income. Thus applications for MAGI Medi-Cal, MCAP, and Covered California do not have any questions about bank accounts, homes, cars, property, etc.
On the other hand, most non-MAGI programs that count income still have limits on what resources an individual may have besides income to qualify for MediCal. However, like everything else with the non-MAGI programs, the rules vary by program.
For example,
the Medicare Savings Programs (QMB, SLMB, etc.) have a countable resource limit of $4,000 for an individual and $6,000 for a married couple, while
the 250% Working Disabled Program has a resource limit of $2,000 for an individual and $3,000 for a couple.
In general, non-MAGI programs that do not count income, such as the program for Former Foster Youth or the Minor Consent program, do not look at resources either.
I have too much money in my bank account assets to qualify for Medi-Cal, but I don’t make enough to qualify for Covered CA subsidies. What can I do?
There is no longer an asset test for Medi Cal. You need to earn at least $17k to get subsidies with Covered CA. Click here to enroll in Medi Cal in Los Angeles County https://medi-cal.healthreformquotes.com/medi-cal-introduction/enroll-online-los-angeles/ I don’t get paid to help you enroll or to answer questions.
https://wclp.org/wp-content/uploads/2016/06/Western_Center_2016_Health_Care_Eligibility_Guide_Full_rev.1.pdf#page=4
H. Assets or Resources
In an effort to simplify program rules, the MAGI methodology does not consider assets or resources other than income. Thus applications for MAGI Medi-Cal, MCAP, and Covered California do not have any questions about bank accounts, homes, cars, property, etc.
On the other hand, most non-MAGI programs that count income still have limits on what resources an individual may have besides income to qualify for MediCal. However, like everything else with the non-MAGI programs, the rules vary by program.
For example,
the Medicare Savings Programs (QMB, SLMB, etc.) have a countable resource limit of $4,000 for an individual and $6,000 for a married couple, while
the 250% Working Disabled Program has a resource limit of $2,000 for an individual and $3,000 for a couple.
In general, non-MAGI programs that do not count income, such as the program for Former Foster Youth or the Minor Consent program, do not look at resources either.
Medi-cal enrolled a lot of people that were not eligible
https://oig.hhs.gov/oas/reports/region9/91602023.pdf
http://www.latimes.com/business/la-fi-california-medicaid-expansion-20180326-story.html
Medi-cal enrolled a lot of people that were not eligible
https://oig.hhs.gov/oas/reports/region9/91602023.pdf
http://www.latimes.com/business/la-fi-california-medicaid-expansion-20180326-story.html
Chip program. Children when whole family doesn’t qualify
https://www.medicaid.gov/chip/index.html
Chip program. Children when whole family doesn’t qualify
https://www.medicaid.gov/chip/index.html
Work requirement?
Health-Care Standoff in Washington Raises Stakes of State-Level Fights – The Wall Street Journal
https://apple.news/AtAWUYW8YR4W_gdFNkFppdA
Work requirement?
Health-Care Standoff in Washington Raises Stakes of State-Level Fights – The Wall Street Journal
https://apple.news/AtAWUYW8YR4W_gdFNkFppdA
I’m a 45 year old male who is single and on medi-cal. I have a Roth worth $11,000 and a car. My earnings this year will be $20,000 approximately. If I contribute $5,000 to a traditional IRA this year to bring my MAGI to below 138% of the poverty level, will I be able to requalify for Medi-cal?
Assets are no longer a factor in MAGI based Medi-Cal qualification. An IRA deduction on line 32 of your 1040 would lower line 37 which is the basis of MAGI income, as most taxpayers don’t have foreign income, social security or tax exempt interest to add back in.
Please be sure to double check with competent tax counsel, the answer appears to be yes.
On the other hand, you are nearing age 55 at which point, the Medi-Cal premiums can be deducted from your estate.
Is there any way you can look for a better job or take another part time job to get your earnings up?
Send us a private email, we can help you set up your IRA.
Using the link in the upper right-hand corner and getting a free quote and subsidy calculation you may find that covered California with subsidies will look very appealing
Plus the enhanced silver benefits also known as cost sharing reductions
Thanks Steve – much appreciated. Two more questions regarding your answer:
At 55 can medical seek premiums from an estate that I am a beneficiary?
Are interest or dividends that are received within a ira considered untaxable intrest/dividends, and therefore added to MAGI?
I don’t think Medi-Cal would have a lien of what you inherit. Their lien would be on what remains in your estate when G-d forbid, you pass away.
On my estate recovery page I’ve done say 20 hours of research putting together the links and information. I’m not an attorney, so I suggest you contact one or read through all the links and brochures that I’ve thought were good enough to make it to my website.
IRA interest is also tax exempt until you withdrawn the money. I’m not a CPA and don’t know your full situation. Learn More ===> IRS Publication 590
I’m a 45 year old male who is single and on medi-cal. I have a Roth worth $11,000 and a car. My earnings this year will be $20,000 approximately. If I contribute $5,000 to a traditional IRA this year to bring my MAGI to below 138% of the poverty level, will I be able to requalify for Medi-cal?
Assets are no longer a factor in MAGI based Medi-Cal qualification. An IRA deduction on line 32 of your 1040 would lower line 37 which is the basis of MAGI income, as most taxpayers don’t have foreign income, social security or tax exempt interest to add back in.
Please be sure to double check with competent tax counsel, the answer appears to be yes.
On the other hand, you are nearing age 55 at which point, the Medi-Cal premiums can be deducted from your estate.
Is there any way you can look for a better job or take another part time job to get your earnings up?
Send us a private email, we can help you set up your IRA.
Using the link in the upper right-hand corner and getting a free quote and subsidy calculation you may find that covered California with subsidies will look very appealing
Plus the enhanced silver benefits also known as cost sharing reductions
Thanks Steve – much appreciated. Two more questions regarding your answer:
At 55 can medical seek premiums from an estate that I am a beneficiary?
Are interest or dividends that are received within a ira considered untaxable intrest/dividends, and therefore added to MAGI?
I don’t think Medi-Cal would have a lien of what you inherit. Their lien would be on what remains in your estate when G-d forbid, you pass away.
On my estate recovery page I’ve done say 20 hours of research putting together the links and information. I’m not an attorney, so I suggest you contact one or read through all the links and brochures that I’ve thought were good enough to make it to my website.
IRA interest is also tax exempt until you withdrawn the money. I’m not a CPA and don’t know your full situation. Learn More ===> IRS Publication 590
This is a lady who was in a major car accident. Her Father called and we set her up with coverage through Covered CA where I did get a measly commission. She flat out accused me of fraud, lack of integrity, criminal motive, etc. for not putting her into no premium Medi-Cal! Thus, we don’t do coverage for competent adults through 3rd parties. Yes, it’s a quandary, as she wasn’t competent at the time.
Hello Mr. Shorr,
I wanted to tell you I’ve two modes of resolution now for the dilemma I’d been fighting w/BS thru Covered CA. First and this was my initial thought I should have just done on the outset was dispute the charge with my bank. They gave BS what they were owed and returned my overpayment to me immediately as I’d proof I no longer had need for their service and was being enrolled in Medi-cal. It took about ten minutes and I already have my money back.
After spending twenty days and three hours on the phone (mostly holding or educating inexperienced employees) the resolution Blue Shield sought was simply finalizing enrollment in Medi-cal. The Medi-cal Ombudsman had told me to bring my issue back to the county and ask for a hearing and all this run around and I threatened them with a lawsuit so they called me somewhat immediately at least ten times. I’d not answered any of the calls as the caller ID was blocked and so I’d not answered the phone. I couldn’t figure out who’d be so rude to call and not leave a message so many times that I finally answered the call mostly as I wasn’t on another call. Every other time they’d called I was already on with one agency or another getting nowhere. The unknown caller was the actual Ombudsman who said they couldn’t help me and again said to file for a hearing at the county. Then she’d noted I’d not enrolled in Medi-cal yet and I told her in response I’d had no time. She said well let me at least do that for you. I chose the same Medi-cal program as my son and immediately everything fell into place. A letter was issued to Blue Shield with correct ending and beginning dates (that would initiate a refund if appropriate) and I’d met the 20 Sept deadline so I wasn’t just thrown into an unknown plan. All that was required to activate the refund. It’s likely that tomorrow on the deadline it would have also been “magically” solved yet I likely would not have known why if the Ombudsman had not told me all that completing enrollment would entail and not realizing herself that she’d issued the statement to Blue Shield that they’d been awaiting and I’d asked for… It’s almost too crazy to believe…
There are so many gaps in these systems and so many people who don’t understand what they’re supposed to do or what they are doing yet their actions often lead to success unknowingly and it must happen often enough that I’m rare if not the only one who had to suffer for weeks all because I’d not had time to phone and select a plan out of all the horrible plans they offered as I was trying to gain a refund first and the clock kept ticking. I don’t really care what I choose as I’m going to keep paying to see my neurologist in cash and only want my medication to still be covered by insurance as it’s quite expensive.
I realize you don’t wish to work in this area any longer yet it’s possible you may encounter this in a transitional phase. Please note if any of your customers had other insurance they must complete signup in every way to close out the current coverage that then initiated a number of automatically generated forms and communications. The same is true for people on Medi-cal who seek different insurance if they’re able to afford it. Someone must finish the entire enrollment process completely or Medi-cal won’t terminate itself even though a refund wouldn’t be an issue in that case. I won’t likely be needing nor receiving anything from Blue Shield as my bank paid for August and I’m enrolled retroactively so I owe them nothing for Sept. Amazing that no one knew this. Amazing that no one else asked me to complete enrollment given that the deadline is tomorrow. I was only made aware of it yesterday. Thought it might be of some value as this wasn’t a minor undertaking.
Jennifer M
Check out this page on Medi Cal wanting precedence over Covered CA and how to remove a “soft pause.”
https://medi-cal.healthreformquotes.com/eligibility/magi-income-medi-cal-qualification/medi-cal-trumps-subsidized-plans/
This is a lady who was in a major car accident. Her Father called and we set her up with coverage through Covered CA where I did get a measly commission. She flat out accused me of fraud, lack of integrity, criminal motive, etc. for not putting her into no premium Medi-Cal! Thus, we don’t do coverage for competent adults through 3rd parties. Yes, it’s a quandary, as she wasn’t competent at the time.
Hello Mr. Shorr,
I wanted to tell you I’ve two modes of resolution now for the dilemma I’d been fighting w/BS thru Covered CA. First and this was my initial thought I should have just done on the outset was dispute the charge with my bank. They gave BS what they were owed and returned my overpayment to me immediately as I’d proof I no longer had need for their service and was being enrolled in Medi-cal. It took about ten minutes and I already have my money back.
After spending twenty days and three hours on the phone (mostly holding or educating inexperienced employees) the resolution Blue Shield sought was simply finalizing enrollment in Medi-cal. The Medi-cal Ombudsman had told me to bring my issue back to the county and ask for a hearing and all this run around and I threatened them with a lawsuit so they called me somewhat immediately at least ten times. I’d not answered any of the calls as the caller ID was blocked and so I’d not answered the phone. I couldn’t figure out who’d be so rude to call and not leave a message so many times that I finally answered the call mostly as I wasn’t on another call. Every other time they’d called I was already on with one agency or another getting nowhere. The unknown caller was the actual Ombudsman who said they couldn’t help me and again said to file for a hearing at the county. Then she’d noted I’d not enrolled in Medi-cal yet and I told her in response I’d had no time. She said well let me at least do that for you. I chose the same Medi-cal program as my son and immediately everything fell into place. A letter was issued to Blue Shield with correct ending and beginning dates (that would initiate a refund if appropriate) and I’d met the 20 Sept deadline so I wasn’t just thrown into an unknown plan. All that was required to activate the refund. It’s likely that tomorrow on the deadline it would have also been “magically” solved yet I likely would not have known why if the Ombudsman had not told me all that completing enrollment would entail and not realizing herself that she’d issued the statement to Blue Shield that they’d been awaiting and I’d asked for… It’s almost too crazy to believe…
There are so many gaps in these systems and so many people who don’t understand what they’re supposed to do or what they are doing yet their actions often lead to success unknowingly and it must happen often enough that I’m rare if not the only one who had to suffer for weeks all because I’d not had time to phone and select a plan out of all the horrible plans they offered as I was trying to gain a refund first and the clock kept ticking. I don’t really care what I choose as I’m going to keep paying to see my neurologist in cash and only want my medication to still be covered by insurance as it’s quite expensive.
I realize you don’t wish to work in this area any longer yet it’s possible you may encounter this in a transitional phase. Please note if any of your customers had other insurance they must complete signup in every way to close out the current coverage that then initiated a number of automatically generated forms and communications. The same is true for people on Medi-cal who seek different insurance if they’re able to afford it. Someone must finish the entire enrollment process completely or Medi-cal won’t terminate itself even though a refund wouldn’t be an issue in that case. I won’t likely be needing nor receiving anything from Blue Shield as my bank paid for August and I’m enrolled retroactively so I owe them nothing for Sept. Amazing that no one knew this. Amazing that no one else asked me to complete enrollment given that the deadline is tomorrow. I was only made aware of it yesterday. Thought it might be of some value as this wasn’t a minor undertaking.
Jennifer M
Check out this page on Medi Cal wanting precedence over Covered CA and how to remove a “soft pause.”
https://medi-cal.healthreformquotes.com/eligibility/magi-income-medi-cal-qualification/medi-cal-trumps-subsidized-plans/