Question: I am 51-years old, a self-employed gardener and in good health. Due to pride and principle, I’ve never had Medi-Cal. According to my attempt to enroll, the Covered California website said I qualified for Medi-Cal. However, I filled out paperwork and the department informed me that I cannot get Medi-Cal, because I have a self-employed IRA. It’s only around $19. I was told to close it out. We can’t live long on that and I will never retired. The department told me that I’d have to liquidate my IRA before I could be eligible for Med-Cal. I will not. That IRA is all my wife, who is disabled and on MediCare, and I have to retire on’ if I ever could. What should I do?
Answer: Obamacare changed the Medi-Cal eligibility rules. Your assets are no longer a factor. Apply through Covered California. They use the same application, whether online or paper as for exchange coverage. Medi-Cal applicants who are going directly to county health services offices are still being put through old application process (apparently with no explanation that things will change on January 1). For verification of my answer see CA Dept of Health Services online FAQ. Many thanks to Freelancer for pointing out this source.