If a Medi-Cal applicant’s spouse transfers assets, will that result in any period of ineligibility for nursing home care?

Thursday, Nov. 26th 2020 5:31 AM

Generally, California will not impose any period of ineligibility for nursing home care on the applicant if his or her spouse previously transferred assets. The exception is if the asset/resource transferred originally belonged to the applicant. In that case, a disqualification period will be imposed if the spouse received the assets from the applicant before the applicant went into the nursing home and then transferred them to a third party. This is because the Medi-Cal rules differ for a “community spouse” and an “individual spouse”. If the spouses wait until one of them goes into the nursing home, the spouse will be a “community spouse”. Then a transfer of property from the spouse in the nursing home to the community spouse that is then transferred to a third party, does not trigger any period of ineligibility

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Posted on Thursday, Nov. 26th 2020 5:31 AM | by Share of Cost | in Medi-Cal, Share of Cost | No Comments »

Share of Cost – Braces for Older Adults

Wednesday, Nov. 25th 2020 9:49 AM

With braces there can be a misconception that only kids or young adults can have braces. However, there is no age limit for correcting misaligned (crooked) teeth. If you want to improve your appearance or bite, a dentist or orthodontist can fit you for braces. It is more common than you may think.

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Posted on Wednesday, Nov. 25th 2020 9:49 AM | by Share of Cost | in Share of Cost | No Comments »

If a person applies for Medi-Cal, can they have a principal residence in another state (outside of California) and still qualify for Medi-Cal?

Sunday, Nov. 22nd 2020 5:28 AM

Yes, but the person has to distinguish between “principal residence” and “primary residence”. In other words, they can have a principal residence anywhere, as long as they eventually return to it to live. In order to qualify for Medi-Cal, a person must show that they are presently living in California with the intention to remain permanently, or for an indefinite period. A person could be living in a California nursing home with the intention to remain indefinitely, but still have the intention to eventually return to
their principal residence out-of-state.

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Posted on Sunday, Nov. 22nd 2020 5:28 AM | by Share of Cost | in Medi-Cal, Share of Cost | No Comments »

Share of Cost – Sensitive Teeth

Wednesday, Nov. 18th 2020 9:45 AM

Having sensitive teeth can happen to anyone, at any age. Your gum tissue pulls back from your teeth, uncovering some of the root. This can make the area sensitive to temperature hot and cold.

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Posted on Wednesday, Nov. 18th 2020 9:45 AM | by Share of Cost | in Share of Cost | No Comments »

Can a nursing home resident give away their income, or does it need to be spent on medically necessary care? Let us say a person is in a nursing home and wants to give their grandchild $50 for their birthday. Can they do that?

Monday, Nov. 16th 2020 5:43 AM

There is currently no transfer of income penalty in California. However, a nursing home resident’s income must be used to meet their SOC, or Medi-Cal will pay for NO services during that month. The nursing home resident is allowed only $35 for personal needs. It is fine if he/she wants to give their $35 away, but then there will be nothing for personal needs unless the individual wants to dip into their $2,000 property reserve. Funds from their $2,000 property reserve may also be given away without penalty. When funds are used from the $2,000 property reserve, the reserve can be increased the following month to the $2,000 limit

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Posted on Monday, Nov. 16th 2020 5:43 AM | by Share of Cost | in Medi-Cal, Share of Cost | No Comments »

Share of Cost – Senior Dental Health

Sunday, Nov. 15th 2020 9:26 AM

It is important to know that age in and of itself is not a dominant or sole factor in determining your oral health. However, certain medical conditions, such as arthritis in the hands and fingers, may make brushing or flossing teeth difficult to impossible to perform. Drugs can also affect oral health and may make a change in your dental treatment necessary. The inability to go to the dental office to due lack of mobility. If you have these type of issues that are keeping you from having the best oral health care you can have. You may want to look into a mobile dentist. A mobile dentist comes to you when you can not go to them.

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Share of Cost – Stomatitis

Friday, Nov. 13th 2020 9:16 AM

Denture-induced stomatitis. First stomatitis is an inflammation of the mucous membrane of the mouth. Ill-fitting dentures, poor dental hygiene, or a buildup of the fungus Candida albicans can cause this condition, which is inflammation of the tissue underlying a denture.

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Posted on Friday, Nov. 13th 2020 9:16 AM | by Share of Cost | in Share of Cost | No Comments »

How long before applying for Medi-Cal can a person transfer assets?

Thursday, Nov. 12th 2020 5:37 AM

The Medi-Cal “Look-Back” period in California is 30 months. “Transfer” means an outright gift or a “sale” made at less than “fair market value.” If a disqualifying transfer of property is made, Medi-Cal will calculate the period of ineligibility for nursing facility level of care. It will be the number of months resulting when the “net fair market value” of the transferred asset, which would have resulted in excess property at the time of the transfer, is divided by the monthly average private nursing facility cost. In
2002, the average cost used to calculate the period length is $4,322 per month. In 2001, this amount was $4,163.

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Posted on Thursday, Nov. 12th 2020 5:37 AM | by Share of Cost | in Medi-Cal, Share of Cost | No Comments »

Share of Cost – Periodontitis/Gum Disease

Tuesday, Nov. 10th 2020 8:55 AM

Periodontitis also known as Gum disease is caused by plaque and made worse by food left in teeth, use of tobacco products, poor-fitting bridges and dentures, poor diets, and certain diseases, such as anemia, cancer, and diabetes, this is often a problem for older adults.

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Posted on Tuesday, Nov. 10th 2020 8:55 AM | by Share of Cost | in Share of Cost | No Comments »

What are the community spousal resource limits for 2002 when qualifying for the Medi-Cal nursing home benefit?

Sunday, Nov. 8th 2020 5:34 PM

The 2002 community spouse resource allowances are $89,280 in assets and $2,232 in monthly income. For a married couple with one spouse in a nursing home and the other spouse at home, the spouse at home may keep up to $89,280 in resources (property and other assets) while the spouse in a nursing home may keep $2,000. The spouse at home may keep all of the income received in his or her name, regardless of the amount. If the amount is below $2,232 per month, the spouse in the nursing home may
allocate income to bring the at-home spouse’s income up to the $2,232 per month limit. The spouse in the nursing home is permitted to keep $35 a month for personal needs. (For 2001, the amounts were $87,000 in assets and $2,175 in income).

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Posted on Sunday, Nov. 8th 2020 5:34 PM | by Share of Cost | in Medi-Cal, Share of Cost | No Comments »

Share of Cost – Seniors and Diminished Sense of Taste

Friday, Nov. 6th 2020 8:52 AM

Seniors and Diminished sense of taste: While advancing age impairs the sense of taste, diseases, medications, and dentures can also contribute to this sensory loss.

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Posted on Friday, Nov. 6th 2020 8:52 AM | by Share of Cost | in Share of Cost | No Comments »

Can a facility transfer or discharge a resident out of the facility because of a change in the resident’s method of payment from private or long-term care insurance payment to Medi-Cal payment?

Wednesday, Nov. 4th 2020 12:30 PM

Generally, no. The only exception is if the facility is not certified to accept payment from the Medi-Cal program. In that case, the facility would be allowed to transfer or discharge the resident if the resident’s stay is no longer covered by long-term care insurance and he/she is unable to continue to pay privately. However, the facility is required to inform residents of this possibility at the time they are admitted to the facility.

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Posted on Wednesday, Nov. 4th 2020 12:30 PM | by Share of Cost | in Medi-Cal, Share of Cost | No Comments »

Share of Cost – Seniors and Darkened Teeth

Monday, Nov. 2nd 2020 8:13 AM

Changes in dentin to some extent can be a cause of darkened teeth. Additional causes can include a lifetime of consuming stain-causing foods and beverages, which is also caused by thinning of the outer enamel layer that lets the darker yellower dentin show through. However, a darkened tooth or teeth may also be a sign of a more serious dental problem and you should have it checked by your dentist.

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Share of Cost – Where you can get help paying for Dental Care Services

Friday, Oct. 30th 2020 8:04 AM

Medicare pays for a wide range of services, including many preventive benefits, however, coverage of dental care is very limited. So where can you turn to in order to have dental care services at a more affordable cost.

On our website shareofcost.com sell dental insurance to individual and family plans. Just because you may have Medicare dose not mean you can not buy dental insurance for yourself and your dental care needs.

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Posted on Friday, Oct. 30th 2020 8:04 AM | by Share of Cost | in Share of Cost | No Comments »

What property/assets are allowable for Medi-Cal?

Wednesday, Oct. 28th 2020 5:51 AM

The Medi-Cal program determines eligibility for benefits on a “means” tested basis. If a Medi-Cal applicant’s property/assets are over the Medi-Cal property limit, the applicant will not be eligible for Medi-Cal unless they lower their property/assets according to the program rules. The Medi-Cal
eligibility worker looks at how much an applicant and their family has each month. If their property/assets are below the limit at any time during that month, the applicant will get Medi-Cal, if otherwise eligible. If a person has more than the limit for a whole month, Medi-Cal benefits will be
discontinued.

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Posted on Wednesday, Oct. 28th 2020 5:51 AM | by Share of Cost | in Medi-Cal, Share of Cost | No Comments »

Share of Cost – Medicare and Dental

Monday, Oct. 26th 2020 7:55 AM

Does Medicare pay for preventive dental care as well majors services such as dentures?

Original Medicare (Parts A and B) does not cover routine oral dental care, such preventive care and fillings, dentures, root canals, etc.

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Posted on Monday, Oct. 26th 2020 7:55 AM | by Share of Cost | in Share of Cost | No Comments »