Will I lose my Medi-Cal if I get married? This is a common question among individuals who rely on the state’s Medicaid program. Medi-Cal, California’s Medicaid program, provides essential healthcare coverage to millions of low-income residents. However, marriage can potentially impact one’s eligibility for this vital program. In this article, we will explore the factors that determine whether getting married will result in the loss of Medi-Cal benefits.
Medi-Cal eligibility is determined by various factors, including income, resources, and household composition. When an individual gets married, their household composition changes, which can affect their eligibility for Medi-Cal. Here’s what you need to know about the impact of marriage on Medi-Cal benefits:
1. Income Consideration: One of the primary factors in determining Medi-Cal eligibility is income. When an individual gets married, their combined income with their spouse will be considered. If the combined income exceeds the Medi-Cal limits, the individual may lose eligibility for the program.
2. Asset Limit: Medi-Cal has strict asset limits, which can also be affected by marriage. Assets include real estate, bank accounts, investments, and personal property. When an individual gets married, their assets will be combined with those of their spouse. If the total value of their combined assets exceeds the Medi-Cal asset limit, the individual may become ineligible for the program.
3. Medicaid Spousal Impoverishment Rule: This rule allows married individuals to protect a portion of their assets to ensure that their spouse has adequate resources after the disabled individual’s death. The protected assets are not counted against the Medi-Cal asset limit.
4. Medicaid Spousal Maintenance Allowance: In some cases, a portion of the community property (assets acquired during the marriage) can be set aside for the non-disabled spouse. This is known as the Medicaid Spousal Maintenance Allowance, and it can help preserve the disabled spouse’s eligibility for Medi-Cal.
5. Medicaid Penalty Period: If an individual’s assets are transferred or gifted to their spouse before applying for Medi-Cal, there may be a penalty period. This penalty period is a period of ineligibility for Medi-Cal benefits, calculated based on the value of the transferred assets.
6. Exemptions for Certain Resources: Some resources are exempt from the Medi-Cal asset limit, such as the primary residence, one vehicle, and certain personal property. These exemptions can help preserve eligibility for Medi-Cal benefits.
In conclusion, getting married can potentially impact an individual’s Medi-Cal eligibility. However, there are various factors and rules in place to protect individuals from losing their benefits due to marriage. It is essential to consult with a Medi-Cal eligibility expert or an attorney specializing in Medicaid law to understand the specific impact of marriage on your Medi-Cal benefits. Remember, early planning and understanding the rules can help you navigate the complexities of Medi-Cal eligibility and maintain your healthcare coverage.
