Відео

Yes, the dollar amounts apply statewide for MAGI Medi-Cal for under 65-year individuals who are not on Medicare.

$2,352 per month.

Depending on the drone and considering line-of-sight communication, there is a point on the northern side of the canyon that could work for launching a drone. A better option might be on the Placer County side of the river, directly in front of the canyon. Either location requires some hiking in tough terrain. If the lake is low enough, you can skirt along the edge of the lake/river from the Birdsall location. The best time would be either fall, after a rainstorm so the waterfalls are gushing with water, or in the spring.

Medi-Cal will get notified of your impending transition to Medicare. They will try to keep you in the system, that's their job. You will need to communicate with them regarding your projected income from SS and 401K distribution. You will need to have proof. The SS award letter is one form of proof. If SS is enough to lift you beyond the Medicare Savings Program (aka Medi-Cal and Medicare) that could be enough. The county can be tenacious. I just had a client who was flipped into Medi-Cal for her and her Medicare spouse. They make far too much for any program. However, the county Medi-Cal case worker either did not understand their income statement or did not believe it because they did not submit the proper documents. If you start SS and 401K distributions after you enroll in Medicare, you will be transitioned into the Medi-Cal extra help system. That does not preclude you from enrolling in any Medicare Advantage, Medicare Supplement, or Part D plan you want. If you want to avoid the Medi-Cal drama, you will need to trigger an increase of income before you are Medicare eligible so all of those documents can be forwarded to Medi-Cal and they will not consider you eligible.

So you are suggesting that I start my 401k withdrawals and SS withdrawals earlier than my Medicare eligibility but I don’t want to lose medical until August next year. They would kick me off medical earlier than I need to due to income changes. I was planning on doing SS and 401k withdrawals and Medicare all in August next year when my Medicare coverage begins. I will need Medical until then. Do you recommend I start my 401k and SS after I become Medicare eligible

@@debbiea1723 I’m not suggesting anything. I’m just giving you the course of events. If you have $0 income when your turn 65, you will most likely be Medi-Medi. That is not a bad thing. When your income increases because of the SS or 401k distribution, report that to Medi-Cal and you will lose the extra help.

I assume Maidu. But I’ve never found any document that specifies locations of some of the tribes, except large geographical regions.

@@KevinKnauss Thank you. It’s a lot harder to find out than I would have imagined.

@@mamacallen You may want to contact the Maidu Interpretive Center in Roseville. www.roseville.ca.us/government/departments/library/maidu_museum_historic_site/about_us

Technically, you could lose it for one month. However, they try to spread those one-time lump sums over the year, so you maintain eligibility. I'd report it as soon as it comes in so the county can properly classify it to help you maintain your eligibility for the programs you qualify for.

Tks

Some options are more expensive than others, but lots of options for the hearing impaired.

You won't count your baby, but Medi-Cal will figure it into the equation. For example, pregnant women can qualify for the Medi-Cal for Pregnant individuals up to 213% of the federal poverty level. Normally, for adults, you have to earn less, 138% FPL to qualify for Medi-Cal. To your point, you just have to notify Medi-Cal of your situation, and they will take care of the rest.

@@KevinKnaussthank you so much !

Yes, it is not governed by the temperature of the grill as far as I can tell. I do notice that the grill will cycle, power up and power down, to keep assigned setting within range. In other words, if I have it set up to less than High 100%, like the steam setting, the power will fluctuate to keep from getting the grill too hot or cool. How that is set within the power unit, I don't know.

You are asking all the right questions. New rules allow family members to get the subsidies when one of the household members is offered employer sponsored health insurance. The calculations are a little cumbersome. This post goes through the step with the caveat that the household percentage has changed for 2024, I think it is 9.2%. insuremekevin.com/relief-for-crippling-employer-health-insurance-premiums-covered-california/#gsc.tab=0 The other path is waiting for open enrollment for 2025 when your estimated income will be lower because you won't have the employment income. That should translate into a larger subsidy. You will still have to crunch the numbers to see if you are eligible for Covered California subsidies with the other employer sponsored health insurance. Unfortunately, you will need to do the math on a spreadsheet to see if any of the scenarios make financial sense. The other issue is the health insurance and if any of the health plans include your preferred providers. It is possible for your spouse to cover some of the dependents on the group plan while other household members go through Covered California. Some people do this to keep certain doctors because a family member may have a health challenge or is going through treatment.

@@KevinKnauss Thank you for the info. I was thinking that maybe I should have my daughter (19) go on medicale and my son (24) go on his own covered california policy - both file their own taxes and then just cover my husband and myself on cobra for the remainder of the year and then go on covered california. Does that sound like it would be the cheapest? Am I allowed to do all of that? Thank you so much for helping me.

@@TrishaRico Good alternatives. The dependents have QLE of Loss of Coverage and can apply through CC to see if they are Medi-Cal or subsidy eligible. Just remember that you cannot take them as dependents on your federal tax return for 2024 if they are Medi-Cal or subsidy eligible with their own health plans. You and your spouse can remain on COBRA through Dec. 31. During open enrollment you can apply for CC and subsidies for 2025 if your coverage under the employer plan makes the health insurance premium more than the set affordable percentage (9.2%?) Note, the affordability is based on the least expensive health plan offered to the employee, not necessarily the plan the employee has enrolled into.

@@KevinKnauss so from what I understand you saying is that in 2025 when it is just my husband and myself and our income is say 70k our covered california would be $216 mth but his cheapest medical plan for the two of us would be $950 mth then I can get the covered california because it is over the 9.2% of what covered california would cost????? Is that correct?

@@TrishaRico I'm not sure of the exact household percentage, but if the total monthly premium for all household members is greater than the percentage (9.2%?), then dependents can get the subsidy from Covered California. The employee, whose premium is usually reduced by an employer contribution is not eligible for the subsidy because their premium is considered affordable. You would enroll through CC with a household of 2, one opting out of the health plan because. The remaining household member would then be offered a subsidy.

If you are a single individual, the calculated income for Qualified Medicare Beneficiary is $1,275 per month. For Specified Low Income Medicare Beneficiary, the income must be under $1,526. That you SS is higher than these numbers and you have Medi-Cal could mean that Medi-Cal in calculating your income lower because of a number expenses such as health insurance premiums and other deduction.

@@KevinKnauss Thank you. That helps.

From what I could determine, they were ants, not termites. I have had those termite swarms before. I'm always nervous when I see swarms of flying insects.

Two scenarios. 1. You can keep Covered California, but technically you may not be eligible for the subsidies because of being offered affordable employer group health insurance. Spouse can be removed from health plan, you can keep it with no subsidies. 2. There is a possibility of you keeping the subsidies IF the household employer group Kaiser premiums is greater than approximately 9.2% of the household income (% changes every year.) Kaiser plan may be affordable for spouse, but not the household. Usually the employer makes a contribution to employee, not spouse or dependents. It’s complicated, but I have a couple of clients who verified they are eligible for the CC subsidies while the spouse stayed in the group plan. Here is blog post on the topic. insuremekevin.com/relief-for-crippling-employer-health-insurance-premiums-covered-california/#gsc.tab=0

Through experimentation, I now cook the dough on the first side for 1 or 2 minutes, very lightly. That is the side we put the toppings on. Then, when I put the mini-pizzas on the grill a second time, I can leave in the grill longer and more of the topping gets melted and hot.

My understanding is that an inheritance would be consider an increase to your assets, not necessarily income. Medi-Cal does understand that little bumps of money can create a seesaw effect where people are on and off of Medi-Cal, very disruptive. They look to smooth out fluctuating income streams so people are not thrown off Medi-Cal every other month. Most people are re-qualified annually if the individual has both Medicare and Medi-Cal. If the inheritance is considered income and reported to the Social Security, the individual may not be eligible for Medi-Cal the next year.

@@KevinKnauss When you say the may not be eligible form Medi-Cal "the next year", do you mean for a) a whole year starting with the inheritance, b) for the following calendar year, or c) for the rest of the current year? For any of these, what is your thinking as to why? I find dealing with Medi-Cal very frustrating as the rules seem to be a black box, and all I get is guesses.

@@scottparcel1221 If the inheritance is taxable income, it will be reported to Social Security. For the renewal of the next year, if Social Security reports a higher income, that could jeopardize continuing Medi-Cal enrollment. Medi-Cal seems to have some wiggle room with the reported taxable income. However, I have clients who have lost the Social Security Low Income Subsidy for the Part D drug plan because their income increased, the previous year, and they were no longer eligible for the extra help.

Cancelling health insurance is not less expensive than an ER visit, or dealing with an unknown illness that requires lots of tests, labs, and imaging. Sure, I dislike paying for my car insurance, but if I am in an accident, I cannot replace my car for the amount of car insurance premiums I saved.

Covered California might be less expensive, if it is available to you. Technically, unless you are within your 60-day Special Enrollment Period window, triggered by a loss of coverage, then Covered California is not an option in most situations. The household income is another consideration. If the household income is very high, or was very high previous to the separation from the employer, then there might not be much subsidy to help reduce the health insurance premiums. Other factors are where you live and the ages of the household members. Older adults in Northern California almost always get subsidy help, even with very high incomes. If you are younger in Southern California, the subsidies are smaller because the health insurance premiums are lower in Southern California.

Thank you! We are near Fresno ca!

@@geovanascalia8187 You can use the Covered California Shop and Compare Tool to get an approximate subsidy you might be eligible for. Make sure you include ALL income, from January 1, 2024, present, and future income estimate. www.coveredca.com/

Thank you for your help! 🙏🏼🙏🏼 I am on the page now!

For the Medicare Savings Program, it is based on you and your spouse's. There can be deductions for the expenses of caring for child, reducing your monthly income.

@@KevinKnauss What about for just regular medi cal itself?

@@dwaynelasater2350 Under 65, non-Medicare, Medi-Cal, household of 3, income must below $2,970 for all household members to be eligible.

@KevinKnauss I am on medicare and medi-cal. My wife and grandson are both on medi-cal as she will turn 62 next month.

@@dwaynelasater2350 The income is the same because it is still a 3 person household for her. Children under 19 have higher income amounts and still retain Medi-Cal. If you have Medi-Cal now, the monthly income is in the zone.

If this is for Medicare Savings Program, both are counted toward your monthly income.

They are both counted. I'm not sure why they specifically break up the categories into earned and unearned.

Why is they have unearned income boxs on the application if their count it. Because my social security and pension is counting but it's his unearned income. I woulded got dual medicare/Medicaid in California with QMB but my pension is counting so now i have QI

@@jeffn9324 I have not been able to parse out exactly why there is a differentiation between unearned and earned income. However, it looks like there are no or few deductions and modifications of unearned income such as pensions and Social Security. Earned income can be reduced by certain expenses and some income may not be counted at all under certain circumstances.

Technically, I would say yes. But you should consult a tax professional or lawyer about whether the transfer will create a taxable income event. That could complicate the situation. If it is a large amount, and it is taxable, it will show up at Social Security. There may be other options such as funding a retirement account. This would be akin to rolling over 401K money into an IRA. When done properly, there are no taxes on the transfer. But if you take possession of the money, then it can be considered taxable income.

Thank you so much Kevin. That is helpful.

This is the standard size.

insuremekevin.com/designate-agent-covered-california/#gsc.tab=0

Self-employed individuals use a Schedule C to calculate Profit or Loss from a business, which is fed into the AGI on line 11.

The subsidy is calculated on the household size from the tax return. If dependents in a 4 person household are Medi-Cal, based on income, removing the dependents with the same income, the adults would continue on Covered California. The income necessary to qualify for Covered California increases with household size. This is assuming that the dependent income is not being entered for the household income. Potentially removing dependents with income could drop the adults into Medi-Cal.

Assets are not considered for eligibility. If the assets generate taxable income such as interest and rents, those income streams are considered.

The only issue I have had is a flat tire. I used the flat tire sealant and pump and it worked great.

I'd like to upgrade to a pure EV, but I really like the Niro PHEV. It just works. It's comfortable. Drives well. I see no reason to trade it in.

First, you have to be certified by taking the training and then passing a test. Then you can set up an agency. www.coveredca.com/agents/

@@KevinKnauss thank you . Can I use home office for the business ?

@@jasono2669 Yes, if you home address is your primary business location.

Covered California must defer to Medi-Cal eligibility determination. Once you are Medi-Cal eligible, or anyone in the household is Medi-Cal eligible, everything must go through your county Medi-Cal office. If you had been a Kaiser member in the last 6 months, and are Medi-Cal eligible, you are supposed to be able to select Kaiser as you Medi-Cal HMO plan. The only way to get back to CC is to prove you are not Medi-Cal eligible. However, the system is super slow and customer service is not a term the Medi-Cal uses. They are understaffed and over worked. I would suggest setting up a Benefitscal.com account, if you have don't already have one. That seems to have worked for many people to communicate with Medi-Cal.

If you can get past standing and pitting the cherries for 15 or 20 minutes, the stewed cherries are really good. We usually consume those 6 cups of cherries within a week. I forgot to mention that I also freeze some for holiday treats in the winter. I do want to try curing some olives. My last attempt, several years ago before the pitting tool did not work so great.

In general, if you are 19+ years old, and the household income is over 138% FPL, you are Covered California eligible. All that stuff about parents of an eligible child being Medi-Cal relates to the child or dependent being disabled. What is more crucial is your tax household, who is being claimed as a dependent, and the part-time income. If the income of the dependent is below the tax filing threshold - they file a tax return to get the withholding returned and owe no income tax - that income is not counted in the household income. Sometimes, young adults are better off not being in the parent’s household. That is something to consider if taking the young adult as a tax dependent is borderline.

@@KevinKnauss so if the two kids, 19 and 17 are not owing taxes but rather getting a return that means their incomes are not counting toward the household? How would medi-cal know if we are submitting pay stubs

@@Quangcurry13524 If you are certain that their incomes do not count, you don’t include it in your estimate to Medi-Cal. You supply the documents to verify the income that does count toward your Modified Adjusted Gross Income.

Monthly. I think most of the presentation in the video uses monthly rates, which is easiest for people to understand. However, the calculation for the subsidies is based on the annual rate because the income is the estimated annual amount.

Modified Adjusted Gross Income.

@@KevinKnaussThank you!

Based on the February 2024 Covered California income table, for a family of 5, at $5,773 monthly income, the adults would be eligible for Covered California and the dependent children would be Medi-Cal eligible. The threshold for adult Medi-Cal in a household of 5 is a monthly income under $4,208 per month, $50,481 annually. It is possible that last year, when we were still under the Public Health Emergency guidelines, based on a previous lower income, Medi-Cal was not terminating people. All of that has been lifted. If you have verified your income with the county Medi-Cal office, eventually, the adults should transition to Covered California based solely on income.

Thank you Kevin,

It is scary stuff. I’m afraid, regardless of who is elected, it will be a constant battle within the U.S.

Trump 2024

@@soapbullet-tq8zf Yes, if you want abortion banned and LGBTQ+ people erased, then vote for Trump.

It is possible that you were determined eligible for Medi-Cal during the annual open enrollment period when Covered California renewed your health plan for 2024. If your income was below 138% of the federal poverty level, then Covered CA would have flipped you into Medi-Cal. There is no transfer of tax return data between the IRS and Covered Ca. Know one at Covered Ca can see your tax return. Covered Ca solely off of the estimated income in your account. If you have not updated it for a while, it may be low and Medi-Cal range. You must reconcile the subsidies you received from Covered CA on your federal tax return. If this has not happened, you'll be getting a letter from the IRS. You need to call Covered CA and see what they have listed as your income. If it is significantly different from reality, you need to contact Medi-Cal and update the income with them.

1. If the income is a one-time event, you can report as such in the month you received it. You don’t need to spread it out over the rest of the year. Either way, it will increase your annual income and your subsidies will decrease. 2. If you have an enhanced Silver plan (73, 87, or 94), it will increase to possibly a Silver 70 plan. However, that is the only plan change that can happen with an income change. An increase or decrease of income does not trigger the ability to change the metal plan (Silver to Bronze or from Blue Shield to Kaiser) or switch carriers of the health plan.

Thank you for your help!

You could be correct. California seems to be particularly called out in the Project 2025 plans. I guess some people don't like those state's right thing.

It’s all about education. Once you understand the implications, you can make an informed decision.

Diplomatically stated, thank you.

There should be no changes to his Medi-Cal coverage simply by moving from one county to another. You will want to alert L.A. County of the impending move so they can transfer the case to Ventura County. That makes their jobs a lot easier and reduces any hiccups in services.

@@KevinKnauss thanks for your quick reply that’s great 😀 to know :)

I do not have definitive source on what is counted for Non-MAGI Medi-Cal. In your case, qualifying for Medi-Cal under the Medicare Savings Program (Non-MAGI.) However, I do know that Medi-Cal is focused on your monthly income. Everything I have read points to retirement distributions being counted as income under most circumstances. The wrinkle, that you point out, is whether you take it in a lump-sum (an increase in assets) or in a set monthly distribution. The other issue is that there is some communication between Medi-Cal and Social Security. Social Security verifies income based on filed tax returns. This is how they determine the Income Related Monthly Adjustment Amount if your income is high and whether you qualify for the Part D Low Income Subsidy. In short, if the distribution is taxable, and shows up on your tax return, but you don't report it to Medi-Cal, they would probably have questions about the discrepancy, IF, the distribution put you over the income limit for one of Medicare Savings Programs.

If I remember correctly, we parked someplace around the Grover Hot Springs facility and then hiked up the hill.

@@KevinKnauss Thank you! Looks fun

The income estimate mirrors the tax year, January 1 - December 31. It is important to capture your previous income so that the health insurance subsidy can be calculated properly since the subsidy is based on your tax return.

@@KevinKnauss Thank you for getting back to me so quickly.

You must be appointed by each carrier. There is no automatic appointment just because you are certified with Covered California.