Why would I need to include Medi-Cal planning in my estate plan if I have never before needed Medi-Cal?

Many people go through their entire working years without ever needing to turn to Medi-Cal for help with their healthcare expenses; however, as a senior, the likelihood that you will need long-term care (LTC) goes up every year and the cost of that care is exorbitant. As of 2019, you can expect to pay almost $10,000 a month, on average, if you are a California resident. Because neither Medicare nor private health insurance will cover LTC expenses, as a general rule, over half of all seniors in nursing homes rely on Medi-Cal to help with their LTC expenses. Although Medi-Cal does cover LTC costs, qualifying for Medi-Cal can be problematic because of the income and asset limits. Medi-Cal planning helps ensure that you will be eligible, should you need to qualify, while also protecting your assets in the process.