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Home » General » The Differences between Medi-Cal and Medicare.

The Differences between Medi-Cal and Medicare.

January 31, 2016General

Medi-Cal and Medicare are both programs established by the federal government to provide medical and health-related services to United States citizens. Both programs were created by a 1965 amendment to the Social Security Act and are managed by the Centers for Medicare and Medi-Cal Services.

What is Medi-Cal?

Medi-Cal is a healthcare assistance program that benefits low-income individuals.  Federal, state and local tax funds are used to assist individuals who are eligible with paying for their medical bills.  Usually, Medi-Cal recipients are not required to pay for covered medical expenses, except for a small co-payment.

One way that Medi-Cal is different from Medicare is that it is run by state and local governments, but within federal guidelines.  That means that the requirements and benefits of Medi-Cal programs varies from state to state.  Eligibility requirements for Medi-Cal may also differ from one state to another.  However, most states offer coverage for adults with children living below a certain income level, pregnant women, seniors and individuals with disabilities.

An important note:  The Affordable Health Care Act will expand eligibility for Medi-Cal in 2014.  So, if you were told last year that you did not qualify, you may qualify now under the new healthcare law.

Applying for Medi-Cal in California.

California’s Medi-Cal program is called Medi-Cal and it offers free or low-cost health coverage for California residents who meet certain eligibility requirements.  Beginning January 1, 2014, California will expand Medi-Cal eligibility for low-income adults.  The Medi-Cal program offers 21 different health plans for managed care.  The options may vary depending on your county of residence.  California’s State-based Marketplace is called “Covered California.”

What is Medicare?

Medicare is a federal health insurance program that is available to individuals age 65 and older, disabled individuals and dialysis patients.  Eligibility for Medicare is not based on income.  With this program, patients only pay a portion of medical expenses through deductibles.  Also, small monthly premiums are necessary for non-hospital coverage.

Medicare is different from Medi-Cal in that benefits are provided by private companies through contracts with Medicare.  Since Medicare is solely run by the federal government, eligibility and benefits are the same all around the country.

Medicare is divided into two main types of coverage.  Medicare Part A is essentially insurance coverage for care in hospitals, skilled nursing facilities, home health care and hospice care.  Medicare Part B is medical insurance, which covers doctor visits, outpatient hospital care and other medical services.  Usually, individuals are not required to pay for Medicare Part A.

Who is eligible for Medicare?

In addition to being age 65 or older and a U.S. citizen or permanent resident, either you or your spouse must have worked for at least 10 years as a Medicare-covered job.  Also, if you are younger than 65, but have a disability or End-Stage Renal disease which requires dialysis or kidney transplant, you may also qualify for Medicare. If you need more information about eligibility and benefits, you can visit www.Medicare.gov.

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Scott Schomer, Estate Planning Attorney
Scott Schomer, Estate Planning Attorney
A graduate of Boston University School of Law, Scott P. Schomer is a frequent lecturer on estate planning and elder law issues, having discussed these important issues on local and national television. A seasoned courtroom advocate, Scott has obtained combined judgments and verdicts in excess of twenty-five million dollars for his clients. Scott has served as a member of the Los Angeles Superior Court Probate Volunteer Panel (PVP Attorney), Probate Settlement Panel and a Judge Pro Tempore. Scott's expertise has been recognized by his peers with such accolades as a life-time membership in the Multi-Million Dollar Advocates Forum, the Five Star Wealth Manager designation, and repeated nominations as California Super Lawyer.
Scott Schomer, Estate Planning Attorney
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We need to update our Living Trust and attended Schomer Law Group’s seminar. Afterwards we made an appointment and were impressed by the attention Scott Schomer and Liran Aliav gave to our case answering all questions and making suggestions how to minimize the estate tax. All the office staff is very friendly and we highly recommend Schomer Law Group.

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Mr. Schomer does an amazing job at explaining all the intricacies of establishing a trust. He and his team help you every step of the way so you always know what to expect and what you are preparing for. Best education you can get and the best gift you can give your family.

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We put off getting a trust for years. After attending a seminar with Scott Schomer we realized that the time had come to get a trust. We were given very good reasons for why we should get a trust. No pressure, just the plain facts. We are very relieved and happy to finally get our trust. Scott and Cesar were very knowledgeable, helpful and listened to our ideas of what we had to say. Any questions that we have now and in the future they are available to assist us to solve them. I recommend the Schomer Law Group and I wish we knew about them years ago.

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When you’re presented with an invitation to attend in a mailer, you may have reservations, this was a truly gift!! My wife and I were educated and guided through the process of creating a family trust.
Both of our parents had attorney’s that “worked” with wills/trusts, but came up short. Fortunately, the Schomer Law Group was there! This is a group of attorney’s that only specialize in estate planning, law, and financial advice, so you know you’re getting expert and personalized advice. This is the best money we’ve ever spent!! Thank you!

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We knew we had to update our 10 year old ( 20 page ) trust. After several detailed meetings, Liran and Cesar produced a large ( 300 pages + ) highly detailed trust document that we have used to make sure our family estate is well managed and clearly understood.
They were all very helpful in answering myriad questions and explaining all the various options…

We would strongly recommend the Schomer Law Group to anyone with an estate of even modest means, to assure proper planning…

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We had contemplated updating our will and starting a trust for a number of years. After attending a talk by Scott Schomer we realized we were long overdue and the potential downside of not having our affairs in order was significant. Scott and his excellent team made the process simple and seamless. They were great listeners, addressed all our concerns and even pulled and processed all the paperwork from our financial institutions. If you are looking for assistance with estate planning, wills and trusts, we highly recommend Schomer Law Group.

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Very competent & informative – friendly atmosphere – ready to answer the most mundane questions – relaxed.

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Mr. Schomer was excellent in getting our family trust and estate affairs in order. My husband and I had put off doing this and Scott really made the process easy! He is very passionate in making sure his clients get all that they need and we really appreciated it. I would highly recommend him and look forward to the many years he will be available to assist our family.

Kim

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