Bank Account Statement Review for Medi Cal Qualification?

Do Gifts count as income

Why does Covered CA & Mortgage Lenders

need Bank Account Statements?


It has to do with MAGI  income Chart and asset verification (Not applicable for MAGI Income qualification). Primarily, they do it to see

(A) how much money you earn, and

(B) ???

Since you qualify for Medi-Cal at NO PREMIUM, they want to know everything about your current financial situation.  They want to know where the money came from, or the source of the funds.   They also use your bank statements to see how much MAGI money you are earning Home Buying

Medicaid – Medi Cal wants to see a full financial accounting of an individual’s finances and assets to determine eligibility. They will look to ascertain that no monies were gifted to family and friends during the five years prior to an individual getting onto Medicaid – see our webpage on  Nursing Home – Long Term Care. seniors resource  

Ask or review all the FAQ’s we’ve had on why, how, etc.

Resources & Links

seniors resource

Our webpage on if Bank Accounts should be in a Living Trust 

Our website is #MUCH more than just
Pro Bono helping you with Medi-Cal

We've developed the Medi-Cal portion of our website, as many of our Covered CA clients unfortunately end up here, if their income drops below 133% of FPL, Federal Poverty Level, see the income chart.

We do not get a nickel, for this site or for helping people enroll in Medi-Cal, nor answering complex questions.  When you have other questions or need coverage, take a look at   our other websites:

Medi-Cal - Re-determination - #MC216

Informational Only
mc 216 medi-cal redetermination

 The sample redetermination form  MC 216 states:

We may need some information about people in your household who live with you or are listed on your tax return, who do not have Medi-Cal and who do not want to apply for Medi-Cal.Sample MC 216

Please note that, Medi-Cal wants to cover everyone and may go beyond the law to gather information to do that.  There are also many other programs that Medi-Cal has that you might qualify for and no one would know unless they asked.  Such as:

MORE Social Services – In Addition to Medi-Cal

IHSS In Home Supportive Services

Household Size Flow Chart

Our webpage on Medi Cal Redetermination

VITA Volunteers Income Tax Assistance

get your taxes done Free  

VITA get your taxes done FREE

Our Webpage on VITA

#My Medi-Cal
How to get the Health Care You Need
24 pages

Smart Phones - try turning sideways to view pdf better
My medi cal explanation of medi cal

Western Poverty Law - Insurance for Low Income

Advocate Guide to Medi Cal 

advocate guide to Medi Cal

Nolo Social Security, Medicare, Medi Cal & Government Pensions

nolo social security government pensions

Our Webpage on


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48 comments on “Bank Statement Review

  1. I’m on medi-cal, have no income.

    I called and they said they don’t care what my bank balance is. That seems untrue.

    I want know, if I sell my primary residence and move and wind up with say $80k to $200k leftover, I’ll need it for taxes and insurance for the rest of my life, and would want to put it in a trust or escrow account for that purpose.

    Will I lose my medi-cal?

  2. When I apply, can I just show one bank statement to get approved? Will this trigger their system to scan any bank accounts I have?

  3. Medi-cal renewal question.

    Regards using money kept in my home, not the bank, to deposit to checking acct. to pay mortgage and other bills.

    It is my savings.

    My mo. earnings =$2960. Includes me, spouse, 22year old daughter.

    I deposit funds from home to bank to pay my bills.

    Will this keep me from qualifying for Medical-cal?

  4.  Q & A – FAQ

    I’m sorry about the formatting in this FAQ Section.   Please read through as best you can and then also the FAQs / Ask Us a Question below.   If you don’t have your question answered, there you can ask a new question.  We will research and let you know.  We are not CPA’s, Attorneys nor Medi Cal Social Workers.


    FAQ’s on how Medi Cal might review your bank statement to determine how much $$$ you make.

    MAGI  Modified Adjusted Gross Income



    Will a  $40 transfer Birthday give from my biological father in Mexico
    (I live in CA) will be ok w/ MediCal annual redetermination on the bank statement.
    [one of the accepted proofs on income]


    IMHO it’s not income and wouldn’t count towards MAGI Income. At best, it would be a gift which isn’t income either. Are you real close to the 138% Federal Poverty Level? ChartFree Calculator

    Disclaimer-  We are not paid to help with Medi-Cal and are not tax accountants.  Try VITA


    I only receive SSDI, [Social Security Disability Income  – vs SSI] $1091/mo.

    However, the month before my fathers transfer was my bday & I desperately asked for cash


    ***How much cash are we talking about?  Was it a gift?  Loan?  Here’s the best I could find on the Internet about what might be reviewed – discovered in a bank statement.

    bc my HOA increased & I’ll be unable to pay my bills.  so I deposited every cent I had-$220 the previous month-the total amount of my bday gifts (more than usual obviously but I think my family is worried I’m going to lose my condo). So I’m worried if they ask for another bank statement from the month before it will show that huge bday money deposit. And it said u can only have $60 deposited quarterly I just read online???

    ***Please when citing facts, provide the URL – Internet Address.

    If my redetermination date is Nov; papers mailed in Oct do u know if I have Til Nov 30th? Should I wait Til my next bank statement comes out- bc I NEVER have deposits like that- this was just a one time thing& it could cost me so much. I’m so scared.

    ***The way I see it, this is gift income and doesn’t count towards MAGI.  See disclaimer above.

    Even if it did, near as I can tell, from the income chart, one person can earn up to 138% of Federal Poverty Level $16k or so.  Your $1,091/month would be $13,092 so you’ve got a $3k cushion anyway.

    Even if you went to $17k, you would qualify for $307/month premium subsidy,Silver 94 benefits and a net premium of as low as $39.

    Please put your correct MAGI income into the “draft” quote we sent you and see where things are at.  Also, please advise what line 37 on your tax return should be, plus foreign income, social security – send your 1099 and tax exempt interest.

    To start fresh on a complementary quote, click here.



    I was just lost bc [because] I don’t think I have it thru covered CA. As far as I know at least. Nothing on my app says anything about that or those plans.


    ***You’re referring to the quotes from our complementary engine for those who earn enough for Covered CA tax credits – subsidies.   Covered CA wants to have everyone go through their portal.  One can just go directly to Medi-Cal.  Here’s their contact information.  In Los Angeles County, one can enroll online.

    I think I got it bc of my low income & disabilities.

    ***Sounds right.  Right, near as we can tell Medi-Cal is automatic if one qualifies for SSI.

    I find Medicare almost useless bc it only covers 80% & I obviously can’t cover a penny of the other 20%-

    ***You might look at Medi-Medi Plans

    I’m so desperate to keep the medi-Cal (bc it covers the rest-  ….  MediCal & SMLB (the SMLB helps cover the Medicare deductible & copay a etc).


    Qualified Medicare Beneficiary (QMB), Specified Low-Income Medicare Beneficiary (SLMB), or the Qualifying Individual-1 Q I -1) programs. The State will pay Medicare Parts A and B premiums, deductibles, and coinsurance fees for persons eligible for the QMB program. The State will pay Medicare Part B premiums for persons eligible for SLMB or Q I -1.

    I’m so scared. All bc of those transfers.

    ***I doubt it.  See above about 138% of Federal Poverty Level and your cushion.   There is also a difference in some Medi-Cal programs on qualification.  As a Covered CA agent, I’m pretty much only familar with MAGI Income Qualification, not asset tests.   There are also different rules for qualifing for nursing home coverage.

    ***Medi-Cal asking too many questions might work in your favor?  There might be MORE benefits they can offer you.


    I only have SSDI, no SSI & I have medicare because of my disabilities (I got it after a year on Social security)

    ***Normally it’s two years.  Learn More ===>

    and also Medi-Cal i’m assuming I think it was because of my low income which is only the SSDI.

  5. What if a parent has borrowed money from child for taking advantage of a bank bonus and opened the bank accounts, deposited borrowed money in a bank account which will be refunded to child after the bank bonus is received. Does this account count in their asset calculation? Do they have to report these kinds of bank accounts?

    How does the Medi-cal system validate all the bank accounts?

  6. I’ve given my Med i-cal worker my bank statement, now they are asking for my secondary safe debit account statement.

    What are they looking for?

    I’ve transferred money to my secondary account.

    Are they looking to see what I spent it on?

  7. Why does Medi-Cal need a bank statement to determine redetermination, Is it to make sure you’re not earning extra money .

  8. Hi, my husband & I are in California &

    I receive ssdi & we both receive Medicaid Medi Cal benefits.

    My husband is my IHSS care provider.

    We are being gifted a home, paid in full & $100,000.

    Will we lose our Medicaid?

    Will my husband no longer be able to be paid as my IHSS care provider?

  9. When submitting bank statements to Medi Cal and Cal fresh, can I blackout personal spending, if it is not a bill?

  10. When sending your verification to medical, i.e. payment stubs for the last 30 day period. must you show all forms of income earned, such as bonuses, and any per diem the employer granted for certain days? These examples are items that are not guaranteed forms of payments for me. Meaning, I don’t get guaranteed bonuses and the per diem paid was a one time deal. So, am I able to black these line items out to only show my consistent pay rate and total hours worked for them to determine if I qualify? I am applying for the 2019 year, but I was asked for December 2018 paystubs.

  11. not a question more of a comment i know your not a medi-cal rep but figured you may have some insight as to how they do things.. but you said you dont thanks for trying though i do appreciate it

    • Here’s what I consider a worthwhile comment.

      Please only ask a specific question here, after you’ve read the original webpage or make a factual statement that can be verified, preferably by you. This is not a website for chatter, but for actual statements of verifiable facts.

      Please only use the initial of your last name. I don’t want to get busted for privacy issues.

  12. well its for annual redetermination for medi-cal i uploaded letter from SS showing the backpay but i havent actualy TOLD the worker so wondering if i need to call and tell him about the backpay

    • Personally, I don’t call anyone. This is a question for your therapist. How about checking with a local college or something and see if you can find a course on communications. IMHO if you uploaded the documents, that’s all you need. I’m getting annoyed with all your comments, how do you think your paid social worker feels?

  13. I uploaded documents that Medi-Cal requested. Should I follow up and make sure I’m approved, that Medi Cal has the paperwork or what?

  14. The Medi-Cal Redetermination Form where it says income was i supposed to list my back pay there as well?

    or just my monthly benefit?

    if i was supposed to list the backpay as well im SCREWED because i told the lady that intaked me BUT i didnt list it on the form because i thought it was for regular income…just great i didnt know

    Old Redetermination Form

    • The form you are citing is dated 5.2011 and is out of date. Check our redetermination page. The current form is dated 4.2015. ObamaCare ACA Medicaid expansion changed everything.

      I’m not interested in a debate with you, about if some Rando at Medi Cal sent you a different form. It’s not my job. All I can do is search the internet and pick what I believe is the most current and reliable information. Ask Medi Cal why they didn’t send you the 4.2015 form. I don’t work there.

      We don’t get paid to maintain this website nor to answer questions. Please direct your questions to your county social worker. Please note also, that different Medi-Cal programs may have different methods on how they count income. See Western Poverty Guide.

      Here’s Covered CA’s listing of Income. See also IRS publication 525, Taxable and Non Tax Able Income, back pay.

    • Looks that way to me. See the actual CFR – I guess you can’t go overboard… though.

      I’m not an authorized Medi Cal representative. Check with them. They get good salaries and maybe even belong to the Union. Check the actual CFR 20 C.F.R. §§ 416.1210 (effective 3/9/05) for a list of excluded resources;

      Exclusions from resources; general.
      In determining the resources of an individual (and spouse, if any), the following items shall be excluded:

      (b) Household goods and personal effects as defined in § 416.1216;

      20 CFR §§ 416.1216, Exclusion of household goods and personal effects

      (a)Household goods.

      (1) We do not count household goods as a resource to an individual (and spouse, if any) if they are:

      (i) Items of personal property, found in or near the home, that are used on a regular basis; or

      (ii) Items needed by the householder for maintenance, use and occupancy of the premises as a home.

      (2) Such items include but are not limited to: Furniture, appliances, electronic equipment such as personal computers and television sets, carpets, cooking and eating utensils, and dishes.

      416.1218. Exclusion of the automobile

      • Reply from Leonard H. The indenting isn’t working properly…

        go overboard? i mean if something is exempt its exempt or they should have to say if over certain amount its not exempt

        i see nowhere in that code saying there is a dollar limit and then it counts if there was i would think they HAVE to say so, you can’t say something is exempt and then say JUST KIDDING its NOT exempt because its over certain dollar amount if they don’t have the code saying so


          1. One Car – regardless of value (within reasonable limits, don’t buy a Lamborghini). Also a second vehicle that is seven years old or older, will not be counted by Medicaid.

          2. Personal property – also have to be reasonable. Medicaid is not going to expect you to inventory your jewelry, clothing, refrigerator and armoires…but if a new diamond ring is purchased, or if an original Picasso is in the living room, those will be questioned and counted.

          1640.0565.01 Personal Property (MSSI, SFP)
          Household goods and personal effects of reasonable value are excluded as assets. Household goods and personal effects are of reasonable value if the individual’s equity in such property does not exceed $2,000. Equity value is the value of an asset on the market less amounts owed on the asset.

          michaelbest dot com
          Under federal rules, household goods and personal effects with a value of up to $2,000 are exempt; wedding rings and personal medical equipment are excluded regardless of value. Under the Wisconsin Administrative Code, household goods and personal effects of “reasonable value” are exempt.

          Skip to 2:25 for personal property

  15. question about DAC [Disabled Adult Child] MEDI-CAL in california

    i got a back payment from SS [Social Security] after the 9 months before they count it against your property

    at next review are they going to make me show receipts to PROVE i spent the money?

    the property supplement says give bank statement showing current balance in account/s if you have more then 1

  16. My a Medi-Cal but they continued because she have more than $2,000 on her checking account. What if she’s going to send some of them to her daughter in other country to help her daughter can she re-apply again for Medical-Cal?

    • Your question doesn’t quite make sense. Please review and rewrite it.

      Here’s links and excerpts to the rules on spending down for Medi-Cal:

      Can You Spend Down Resources?

      You may spend down your resources to the $2,000 limit in order to become eligible for Medi-Cal. Resources must be reduced to the $2,000 level by the end of the month in which you want to be eligible. You may spend down your assets on any item for your own benefit: to remodel or repair the home, buy new furniture or pay off a mortgage or car loan, pay off other bills and debts, buy new clothing, medical equipment, outings, or even a vacation.

      Can You Give Away Assets & Still Be Eligible For Medi-Cal?

      You may be able to give away (gift) or transfer property (money, land, etc.) and still be eligible for Medi-Cal, depending on to whom and when you gave away the assets. The current California transfer of assets law requires a 30 month “look back” period to determine if an institutionalized Medi-Cal applicant made an improper transfer or gift of non-exempt assets to a third party, excluding the spouse. Transfers to spouses are without any penalty, regardless of the asset, or its value.

      An “improper” transfer is basically giving away or gifting away property without receiving something of equal value in return, or done so specifically for purposes of qualifying for Medi-Cal. The transfer rule is triggered when you apply for Medi-Cal. The Medi-Cal application will ask if you transferred any property or made any gifts within the prior 30 months. The Medi-Cal eligibility worker will review the application and all supporting documentation submitted with the application, e.g. bank statements, trusts, brokerage statements, life insurance policies, deeds, etc. These transfer rules apply only to assets that are not exempt.

      Not all transfers are subject to these transfer rules, and not all transfers result in a period of ineligibility. Transfer penalties will not apply if the transfer was made:

      with the intent to dispose of the resource either at fair market value or for other valuable consideration;
      exclusively for a purpose other than to qualify for Medi-Cal;
      to a spouse;
      to a blind or totally disabled child;
      if the asset was exempt; or
      if denial of eligibility would result in undue hardship

      Medi-Cal Eligibility Manual

  17. Aplique para medical retroactivo…para el mes de abril de este año..el stement del banco mostraba 8.000 al empezar elmes pero el mes termino con solo 2.60.00 dolares ese mes el ingreso fue de 2,300 dolares y estaba con mi esposo..ahora estoy sola y mi ingreso es de 800 por mes cuando aplique ese era mi ingeso…puedo calificar para medical retroactivo?

    Google Translate

    Apply for retroactive medi-cal … for the month of April of this year .. the statement of the bank showed $8,000 to start the month but the month ended with only $2,600 that month the income was of $2,300 and was with my husband.

    Now I’m alone and my income is $800 per month when I applied that was my ingeso … can I qualify for retroactive medi-cal?

    • Check this page for more information.

      a. Retroactive Medi-Cal

      An applicant can receive Medi-Cal coverage (and payment for Medi-Cal covered benefits received) for up to three calendar months preceding the month of application if they would have been eligible for Medi-Cal during those months.148 Applicants can apply for retroactive Medi-Cal on the Medi-Cal application or after applying for Medi-Cal or CalWORKs by indicating the request on the application or by separate written request.149 Retroactive Medi-Cal can be requested for up to one year after the date of application 150 so if there are outstanding bills, the Medi-Cal member should submit them to Medi-Cal for reimbursement or ask the provider to bill Medi-Cal.

      148. Welf. & Inst. Code §§ 14019, 14019.6; 22 CCR § 50197; MEDIL 14-27 (May 15, 2014), http://
      149. 22 CCR § 50148(a)(2).
      150. 22 CCR § 50148(b).

      • Reply from Medi Cal

        An individual who wants retro-active Medi-Cal needs to completed an application for retro-active Medi-Cal. They will need to contact the County that administers their Medi-Cal. The County will review the application and determine based on the new circumstances whether or not the individual is eligible.

  18. I am applying for redetermination.

    I refinanced my home and have the monies in my account.

    Will this affect my eligibility if i withdraw the funds prior to submitting my paperwork?

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