At the “2024 Silver Living Expo” organized by the World Journal in Los Angeles on Saturday, October 26th, Amanda Yang, the Director of Customer Services at the Herald Christian Health Center, shared valuable insights on the differences between Medicare and Medi-Cal, as well as tips for selecting the appropriate health care plan based on individual needs.
Amanda began by explaining the basics of Medicare, which is provided by the federal government to U.S. citizens and green card holders over the age of 65 who have worked for at least 10 years, earning a minimum of 40 work credits. Applicants with specific conditions like end-stage renal disease may qualify for Medicare earlier. Typically, Medicare covers 80% of medical expenses, leaving the remaining 20% to be out-of-pocket costs. Importantly, Medicare offers extensive coverage that can be utilized across the United States, and in some emergencies, it may even extend coverage while abroad.
In contrast, Medi-Cal, California’s state healthcare program, is designed for low-income residents, including those without immigration status. Starting January 2024, Medi-Cal eliminated asset testing, meaning that only income will be considered for eligibility. For individuals, the annual income must be below $20,783, and for couples, it must be under $28,207. While Medi-Cal is only valid in California, it does cover the 20% co-pay that Medicare does not.
Amanda also highlighted the differences in the application processes for Medicare and Medi-Cal. Once Medicare is approved, it remains valid for life without the need for annual income re-evaluation, whereas Medi-Cal requires yearly income assessments. She emphasized that applying for Medi-Cal in California is notably easier compared to other states, encouraging those in need to consider applying.
In her concluding remarks, Amanda advised attendees to focus on practical healthcare needs when selecting insurance plans. She suggested that individuals with stable health conditions and infrequent doctor visits might benefit from an HMO plan, which consolidates Medicare Parts A and B (hospital and outpatient services) along with Part D (prescription drug coverage) for comprehensive benefits, including dental care and reduced prescription costs.
For further inquiries, Amanda mentioned that people can contact the Herald Health Department at 626-565-7614. Additionally, the Herald Christian Health Center will offer free flu shots and the new COVID-19 vaccine on Saturday, November 16th, from 10 a.m. to noon at their clinic located at 3401 Aerojet Ave, El Monte, CA 91731, benefiting those without health insurance.
