It is important to understand the options available to help you help your parents from in-home care and adult day programs; assisted living and board and care; to skilled nursing care. Although many of these options have significant costs, Medi-Cal may offer some financial relief. In particular, Medi-Cal will cover the cost of skilled nursing home care. Although Medi-Cal is a resource-based program, there are many strategies available to Californian residents to qualify for benefits without having to spend down your assets.
There are generally three types of fee structures: Flat Rate, Fee-for Service (may be called “point” system), and/or a hybrid, sometimes referred to as Levels of Care. Some places are creative in how they assess care charges but these three buckets will give you a general idea of what you are most likely to encounter in an Assisted Living environment.