메디칼 Medi-Cal, 메디케이드 Medicaid 자격

[meong]

메디칼 Medi-Cal, 메디케이드 Medicaid 자격

모든 주 에서는 Medicaid 로 통하고 California 주 에서만은 Medi-Cal 로 통한다.

* 메디칼 신청 자격, 미 모든 주 http://www.cms.hhs.gov/home/medicaid.asp

여기서는 CA 주를 알아본다. 인터넷에서 찾으려면 California 주는 medical 이니라

Medi-Cal 즉 M, C 는 대문자 이고 C 앞에는 수평 막대기가 하나 있다.

Medi-Cal 자격은 아래에 A-Z 들어가서

http://www.dhcs.ca.gov/Pages/A-ZIndex.aspx

E 의 Eligibility, Individuals 를 열면 혜택받을수 있는

http://www.dhcs.ca.gov/individuals/Pages/qualify.aspx

3가지 종류 ( 애들, 장애인, 일반인 ) 가 나온다.

California Children's Services

Genetically Handicapped Persons Program

Medi-Cal (일반인)

다시 Medi-Cal 일반인을 열면 아래 web 주소가 나오고

http://www.dhcs.ca.gov/services/medi-cal/Pages/Medi-CalEligibility.aspx

이것을 열면 일반인이 받을수 있는 조건이 나온다. 그러나 여기에는

수입 과 재산의 제한조건이 없고 아래 점선 두번째 지나서 밑에 나온다.

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If you are enrolled in one of the following programs, you can get Medi-Cal :

SSI/SSP 받는사람

CalWorks (AFDC)

Refugee Assistance 난민보조

Foster Care or Adoption Assistance Program

In-Home Supportive Services (IHSS)

You can also get Medi-Cal if you are :

65 or older 65살 이상

Blind 앞못보는 사람

Disabled 장애인

Under 21 21살 이하

Pregnant 임신한 여성

In a skilled nursing or intermediate care home

On refugee status for a limited time, depending how long you have been in the United States

A parent or caretaker relative or a child under 21 if:

The child's parent is deceased or doesn't live with the child, or
The child's parent is incapacitated, or
The child's parent is under employed or unemployed

Have been screened for breast and/or cervical cancer

(Breast and Cervical Cancer Treatment Program)

Contact your local County office for more information or 

apply on-line and mail-in your application

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수입제한, 재산소유 제한 조건 보는데  아래 들어가서

http://www.disabilitybenefits101.org/ca/programs/health_coverage/medi_cal/program2.htm#Getting_Medi-Cal_%E2%80%93_Eligibility_Categories_and_Application

[ Food stamp 자격 과 비슷하다. http://www.socialsecurity.gov/pubs/11125.html#food ]

아래 수입, 재산 제한을 보면 Medi-Cal Eligibility Categories

http://www.disabilitybenefits101.org/ca/programs/health_coverage/medi_cal/program2.htm#Medi-Cal_Eligibility_Categories

SSI-Linked Medi-Cal, 생활보조비 SSI 받는사람은 Medi-Cal 받을수 있고

그 외에는 아래 조건에 맞아야,

To receive a benefit, you must :

1. 장애인, 장님, 65살 이상 이어야,

1. Meet Social Security’s definition of disability, blindness, or age (65+).

가난하지만 65살이 안되는 사람이 갑자기 몸이 아플경우 병원에 입원하고

병원에서 Medi-Cal 을 신청하고 메디칼이 나오면 그걸로 카버가 된다.

그럼 입원부터 신청허가 까지의 1-2 달 입원비, 수술비는 누가 내는가 하면 본인이 내지만

가난한사람은 매달 성의껏 지불하면된다. 돈없어서 못내는 사람은 잡아가도 낼 돈이 없다.

2. Not be doing Substantial Gainful Activity. This means that your gross earnings are

less than a certain amount of money each month. For 2009, the limit is $980 ($1,640 for the blind).

3. 현금 $2,000 이하 (부부 $3,000 이하), 은행, 집에 있는 돈 모두,

3. Have less than $2,000 in assets ($3,000 for a couple). SSA does not count all of your assets.

Click here for a list of exemptions.

이런 재산은 있어도 허용되는 예외 조건.

http://www.disabilitybenefits101.org/glossary_item.aspx?item-id=1679

The following items do not count as resources :

* The home, and any adjoining land

* Household goods and personal effects that have a total value of $2000 or less

* One car if it is : necessary for employment, or necessary fro medical treatment,

or modified for use by a disabled person, or it provides necessary transportation

to perform essential daily activities, or has a current market value less than $4500

* Property of a trade or business that is essential for self support

* Non-business property which is essential to self support

* Resources of a blind or disabled individual necessary to fulfill an approved PASS

* Certain stocks held by Alaskan natives

* Life insurance, if the total face value of all policies on one person do not exceed $1500.

Otherwise, the cash surrenders values of life insurance policies will count as a resource

* Restricted allotted Native American lands

* Payments or benefits paid under other Federal statutes

* Disaster relief assistance

* Burial space of any value, and burial funds up to $1500

* Title XVI (SSI) or Title II (SSDI) retroactive payments for 6 months

* Housing assistance

* Earned Income Tax Credits

* Nine months of payments received as compensation for expenses

or losses suffered as a result of a crime

* Nine months of reallocation assistance

4. Have Total Countable Income that is less than the SSI/SSP maximum benefit amount.

Currently, this monthly amount is $850 for a disabled individual living independently

($1,489 for a couple in the same situation). Maximum benefit amounts vary based upon

your living situation and disability.

Click here for a chart detailing all of the payment standards.

For this final requirement, SSI uses a calculation to figure out how much of your income to count.

Step 1: If you have monthly unearned income (for example, an SSDI benefit, a pension, dividends), subtract a $20 "General Income Exclusion" from it to calculate your countable unearned income. If you do not have unearned income, this exclusion is applied to any earned income.

Countable Unearned Income Calculation
		Monthly Unearned Income
	-	$20 General Income Exclusion
	=	Countable Unearned Income

Step 2: If you have monthly earned income (for example, wages), subtract a $65 "Earned Income Exclusion" from it (along with the remainder of the $20 "General Income Exclusion" that you have not applied to Unearned Income), along with any Impairment Related Work Expenses, and divide the resulting figure by two to find your countable earned income. If you have Blind Work Expenses, subtract them after you divide.

Countable Earned Income Calculation
		Monthly Earned Income
	-	$65 Earned Income Exclusion
	-	$20 General Income Exclusion (only if you haven't already applied it to unearned income)
	-	Impairment Related Work Expenses
	÷	2
	-	Any Blind Work Expenses
	=	Countable Earned Income

Step 3: Add your countable unearned income to your countable earned income to find your total countable income.

Total Countable Income Calculation
		Countable Unearned Income
	+	Countable Earned Income
	=	Total Countable Income

* If you are married, SSA may add your spouse’s income and assets to yours. This is a process called deeming.

SSA will review your application to see if you meet the income, asset, and disability requirements. If you do, you will receive an SSI benefit check. When you qualify for SSI, you automatically get Medi-Cal. SSA reports your Medi-Cal eligibility to the local county welfare office, so you do not need to apply for Medi-Cal separately. Your Medi-Cal coverage begins the same month that your SSI benefit begins. If you qualify for Medi-Cal through your SSI eligibility, you will receive free, full-scope Medi-Cal coverage. For more information on the SSI program, see DB101’s SSI program description.

[노랑]

어케 좋은정보를 많이 아시는지요^^ 어두운 눈을 뚫어 주셔서 감사합니다.