San Diegans for Healthcare Coverage is a not-for-profit agency and provides free assistance to help you plan for, navigate and enroll in your senior health insurance coverage. Our licensed staff provide screening, unbiased counseling and enrollment assistance with Medicare and Medi-Cal for the aged and disabled. Our goal is to maximize your benefits and put health care decisions in your hands.
Services include:

• Phone, virtual and in person counseling
• Help understanding your rights and options
• Medi-Cal application assistance
• Medicare enrollment assistance in the plan of your choice
• Ongoing assistance and support
• Licensed Bilingual staff

We want to stay in touch and will be here to answer your questions and help with issues for the long term.

Contact Us

Medi-Cal eligibility for Seniors and Disabled individuals has expanded, and more people are eligible for free health coverage and extra benefits than ever before. Even if you have been declined in the past, you may now be eligible.

The asset limits for people who are 65 and older or disabled has increased. These changes apply to what you own, including bank accounts, cash, second vehicles, property and other financial resources but exclude your home, car and other personal items.

Income eligibility depends on the number of aged and disabled in the household and the household size.

Family Size*	Gross Monthly Income Up To**	Assets Below
1	$1,754 to $1,950	$130,000
2	$2,466 to $2,900	$195,000
3	$3,010 to $3,300	$160,000

*Medi-Cal Family includes applicant, spouse and minor children
**Working disabled (babysitting relatives, recycling, etc.), residents of Residential Care Facilities for the Elderly, insurance premiums and others with higher incomes may be eligible.

If you already have Medi-Cal the rules change when you turn 65 or become federally disabled. Family size, income, income deductions and asset rules are different. You need a redetermination of eligibility under Medi-Cal Aged and Disabled rules. It is best to do this before you turn 65.

Contact Us – We Will Assist with Your Redetermination

Medicare is a federal health insurance program for Citizens or Legal Residents (5+ years) with adequate work history (their own or linked to spouses) and:

• Who are turning 65 or are older, or
• Younger people determined to have a disability.

You can apply for Medicare Parts A and B starting three months before your 65th birthday month. You apply through the Social Security Administration. If you are already getting Social Security Retirement Income, you will be automatically enrolled in Medicare. If you are on Social Security Disability Income (SSDI), you will be automatically enrolled in Medicare the 25th month after your disability determination date. Medicare covers:

• Medicare Part A (Hospital) Insurance is usually no cost to you. Part A helps cover inpatient hospital, skilled nursing facility, hospice and home health care.
• Medicare Part B (Medical Insurance) has a premium and helps cover outpatient, physician, home health, medical equipment and preventive services
• Medicare Part D (Prescription Drugs) is offered by private insurance companies with premiums and helps cover the cost of prescription drugs. You must have Part A and/or Part B to get Part D.

Because Medicare does not cover the full cost of covered services, many people enroll in additional insurance. These include:

• Medicare Advantage Plan (usually with prescription drug coverage)
• Medicare Supplement with a stand-alone Prescription Drug Plan
• Medi-Cal for aged and disabled individuals

Contact Us. San Diegans for Healthcare Coverage will review the Pros and Cons of Medicare health plans, identify your preferences and doctors and help you to select and enroll in the plan of your choice. As the only not for profit agency in the region, their mission is to maximize your benefits and put health care decisions in your hands.

Contact Us To Learn More and for Assistance with Medicare Enrollment and Options

People who have both Medicare and Medi-Cal coverage are Dual Eligible. There are many EXTRA benefits that come with being Dual Eligible.

• State pays your Part B Premium ($164.90 in 2023)
• You pay no health plan premiums
• You pay no cost-sharing for services (deductibles, copays, coinsurance)
• Extra Help Program -- low capped copays for prescriptions
• Extra benefits like Vision, dental, and transportation services
• Additional medical supplies and equipment
• In Home Support Services (IHSS), if needed/qualified
• Access to Enhanced Case Management
• Access to Community Supports
• Long Term Services and Supports (Long Term Care)