California’s Medicaid program provides health insurance, vision, dental and long-term care benefits to seniors, disabled adults and low-income residents of San Diego. It covers most health-related services directly or indirectly through waivers. For example, Medi-Cal provides financial assistance to almost two-thirds of nursing home residents in San Diego. The system also covers the cost of community-based services that allow members to remain in their own homes. The Assisted Living Waiver is a third option. It serves as an alternative to nursing care and in-home care for seniors who are eligible for Medicaid alone or in addition to Medicare. To qualify, applicants must meet the following requirements.
- Be blind, disabled or aged 65 or over
- Earn less than $1,366 if single and have less than $2,000 in cash assets
- Earn less than $1,852 if married and have less than $3,000 in assets
Seniors who don’t meet these guidelines but need substantial care may qualify for share-of-cost benefits through the Aged, Blind, & Disabled Medically Needy Medi-Cal program. Additionally, Medi-Cal allows seniors to write off some of their room-and-board costs for assisted living, which can reduce their share-of-cost fees. In some cases, deductions may help members qualify for full Medi-Cal benefits, including Assisted Living Waivers. To see if you’re eligible, apply online, in person or by calling (866) 262-9881.