By love-89.com During an engaging interview at the “2024 Senior Lifestyle Expo” hosted by the World Journal in Los Angeles, Amanda Yang, the Client Services Director at Herald Christian Health Center, shed light on the differences between Medicare (the red and blue card) and Medi-Cal (the white card) while providing insightful advice on selecting health insurance plans that meet individual needs.
Amanda explained that the federal Medicare program is designed for U.S. citizens aged 65 and older, as well as lawful permanent residents who have worked for at least ten years and accumulated 40 work credits (one credit is earned for each quarter of work). Importantly, individuals with certain severe conditions, such as end-stage renal disease, may qualify for Medicare earlier. Typically, Medicare covers 80% of medical expenses, leaving 20% for beneficiaries to cover out of pocket. Its wide reach allows access to services throughout the United States and potentially for emergencies abroad.
In contrast, Medi-Cal, provided by the state of California, caters to low-income residents, including those without immigration status. Beginning in January 2024, Medi-Cal has eliminated asset tests for applicants, meaning that only income is considered, excluding factors such as savings, property, or vehicles. For individuals, the annual income cap is set at $20,783, while couples have a combined annual limit of $28,207. Medi-Cal is effective only within California but can cover the 20% co-payment that Medicare does not.
Amanda further emphasized 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 reassessment, whereas Medi-Cal requires yearly evaluations of income changes. She noted that applying for Medi-Cal in California is relatively straightforward compared to other states and encouraged those in need to consider applying.
As for making informed insurance choices, Amanda advised focusing on actual healthcare needs. She suggested that individuals with stable health who do not require frequent medical visits might opt for an HMO plan, which combines Medicare Parts A, B (hospital and outpatient care), and Part D (prescription drugs) into one comprehensive package, offering additional benefits such as dental care and reduced prescription costs.
For further inquiries, Amanda encouraged attendees to reach out to the Herald Health Insurance Department at 626-565-7614. Additionally, she announced that the Herald Medical Center’s Ai Mandi Clinic, located at 3401 Aerojet Ave, El Monte, CA 91731, will be offering free flu vaccinations and the updated COVID-19 vaccines on Saturday, November 16, from 10 AM to 12 PM, benefiting those without insurance.