Turning 65?

Overview

Medicare vs. Medi-Cal
What's the Difference?

Medicare is a federally-governed insurance program. Medi-Cal is an assistance program governed by the State of California and financed equally by the state and federal governments.

Medicare is for:

  • People 65 and over.
  • People of any age who have kidney failure or long term kidney disease.
  • People who are permanently disabled and cannot work.

Your application for Medicare is located at the Social Security office in your area or is available online here.

Medi-Cal (California's Medicaid program) is a program governed by the State of California and financed equally by the state and federal government. Medicare is a federally-governed program.

Medi-Cal is:

A public health insurance program which provides needed health services for low income individuals including:

  • People 65 and over.
  • Pregnant women.
  • Families with children.
  • Foster care families.
  • Peole who are disabled.
  • People who are blind.
  • People with specific diseases, such as tuberculosis, breast cancer or HIV/AIDS.

Some people qualify for both Medicare and Medi-Cal. Medi-Cal is sometimes used to help pay for Medicare premiums. People who qualify for both programs are called 'dual eligible'. 
 

News

Covering the rising cost of long-term care
The New York Times

FEW sticker shocks are as bracing as the price of hiring someone to help with the simplest activities — bathing, toilet use, dressing, eating and moving. Whether recovering from surgery or a stroke or suffering a chronic illness like arthritis, those needing skilled help need deep pockets indeed.

And those requiring full-time nursing or assisted-living care face even steeper costs.

A 2013 report by Genworth Financial, an insurance provider based in Richmond, Va., estimates the national median daily cost of a private room in a nursing home at $230 a day, an increase of 3.6 percent over 2012 — some $6,900 per month. Sharing that room is only $27 less a day, according to the report.

News

Many seniors suffer mental decline in silence: CDC
HealthDay

While 1 in 8 has memory problems and confusion, too few seek help

THURSDAY, May 9 (HealthDay News) — About 13 percent of Americans 60 and older say they have increasing problems with thinking and memory and that they suffer growing confusion, a new report released Thursday shows.

One-third of these people add that the confusion or memory loss caused problems at work or with social activities and household chores, according to the U.S. Centers for Disease Control and Prevention.

The findings underscore the need to be alert for early signs of dementia or Alzheimer’s disease, experts said.

News

Health concerns top list of retirement worries in U.S.: study
Reuters

Health problems and the cost of healthcare are the biggest concerns for those entering retirement, according to a study released on Monday from Bank of America Corp’s Merrill Lynch.

News

How therapy can help in the golden years
New York Times

Marvin Tolkin was 83 when he decided that the unexamined life wasn’t worth living. Until then, it had never occurred to him that there might be emotional “issues” he wanted to explore with a counselor.

News

On national healthcare decisions day: Foundation reflections on efforts to promote end-of-life planning
Health Affairs

Today, on National Healthcare Decisions Day, authors Kate O’Malley of the California HealthCare Foundation and Nancy Zweibel of the Retirement Research Foundation, discuss how foundation efforts have contributed to the adoption and expansion of a standard paradigm for end-of-life planning.

News

Will reform of care for aging help or hurt?
HealthyCal.org

Amid all the recent worry about people lacking health insurance, one vulnerable group of Californians appears to be suffering from too much, not too little coverage.

News

Medi-Cal cut could force some rural hospitals to close nursing units
California Healthline

Tom Hayes worries about his boilers.

As CEO of Eastern Plumas Health Care — which operates the only critical care facilities in rural Plumas County, north of Sacramento — Hayes oversees care for a good percentage of the population of a county the physical size of Delaware.

News

Leaders Push To Exempt Skilled Nursing From 10% Medi-Cal Cut
California Healthline

On Wednesday, state lawmakers, hospital leaders and labor unions rallied at the State Capitol in support of a bill (AB 900) that would stop a retroactive 10% cut to Medi-Cal reimbursements for hospital-based skilled nursing services, the Sacramento Business Journal reports (Robertson, Sacramento Business Journal, 4/10).

News

Coachella Valley seniors rally for Medi-Cal expansion
My Desert

Senior citizens, families and community health leaders took to City Hall on Thursday to urge expansion of the Medi-Cal program.The gathering, which drew about 35 senior citizens, was among three in the state — the other two in Bakersfield and Los Angeles.

News

Medi-Cal cuts in skilled nursing blasted by advocates
Sacramento Business Journal

A nonpartisan group of legislators joined union and health care leaders at the State Capitol on Wednesday in support of legislation to stop a retroactive 10 percent cut in Medi-Cal funding for hospital-based skilled nursing services they say will hurt patients, workers and hospitals.

News

California will shift 456,000 low income seniors into managed care
Forbes

California has taken the idea of managed care for low-income seniors and people with disabilities to a whole new level. Under an agreement with the Obama Administration announced last week, the state will begin shifting both medical care and long-term supports and services to managed care companies in just seven months.

Watch this closely. You may be looking at the future.

News

For the elderly, is bereavement an illness, or a part of life?
HealthyCal.org

When Betty Johnson was widowed for the second time in her life, after her husband’s three-year battle with a rare form of leukemia, she was wracked with grief for a year.

“I knew that feelings can fester,” said Johnson, 92, recalling that period in her life. “I knew that I had to get rid of the choking, suffocating, feeling, the sickening feeling.”

She cried every week of her first year of meeting with a counselor. Throughout her mourning, it was a great help to bare her soul to a trained expert, said Johnson.

A change in the way depression is diagnosed in the bereaved – to be implemented in May by the American Psychiatric Association – could have a particular impact on older people.

News

What is Medicare?

What is Medicare?

Medicare is health insurance for people age 65 or older, under 65 with certain disabilities, and any age with End-Stage Renal Disease (ESRD). ESRD is permanent kidney failure requiring dialysis or a kidney transplant. The different parts of Medicare help cover specific services if you meet certain conditions. Make sure your coverage is working for you.

Post

Your Medicare rights

No matter what type of Medicare coverage you have, you have certain guaranteed rights. 

Post

You have the right to an interpreter

Look for doctors and office staff who speak your family’s language, or ask for an interpreter if you need one to talk to your doctor or your child’s doctor. Certified medical interpreters are trained to translate health information correctly. They must keep your information private.

Post

Healthcare Reform and Medicare
Video

Healthcare Reform and Medicare

 

The Affordable Care Act–What it Means for Medicare Recipients

Source: www.healthcare.gov

Post

Ways & means chairman hopes to move Medicare ‘doc fix’ plan
Kaiser Health News

The chairman of the House Ways and Means Committee made clear Tuesday [February 26, 2013] that finding a solution to the vexing issue of setting Medicare physician payment rates is on his to-do list this year, and he got some tepid support from a key Democrat.

Rep. Dave Camp, R-Mich., said that the effort could be helped by a recent reassessment of how much it would cost.

Post

Long-term care rate hike stuns retirees
San Francisco Chronicle

When Marie Benedetto opened her mail last week and learned her long-term care premium was going up a stunning 85 percent, she did what a retired math teacher would do. She made a spreadsheet.

Benedetto calculated she’d have to spend $1,328 a month or $15,936 a year for the policy after the increase goes into effect. That added up to a 415 percent increase in premiums since she first purchased the policy in 1997.

For Benedetto, the rate increase makes her policy unaffordable.

Post

Paying dues, getting care
HealthyCal.org

It’s a brilliant new idea for a rapidly aging population: a health center serving older adults that offers wraparound care spanning medical, dental, vision and mental health. Add specialties like dementia and end-of-life care. Finally, blanket patients with case management to connect them with important social services like housing, food, and other social programs for nutrition advice and abuse prevention.

New? Sure, in 1976.

The Over 60 Health Clinic in Berkeley was established during the revolutionary heyday of Bay Area politics by the Gray Panthers, an activist group paying homage to the far more radical Black Panthers, whose socialist agenda included better healthcare for the underserved.

Post

Alzheimer’s cases, and costs, projected to swell
Los Angeles Times

As baby boomers enter their golden years, the number of people afflicted with Alzheimer’s disease is expected to reach 13.8 million by 2050 — millions more than previously anticipated, according to a new study in the journal Neurology.

If researchers can’t find a way to reduce the prevalence of the brain disease, the cost to care for all of these patients could top $1 trillion a year, experts say.

Commands