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Kevin Knauss
United States
Приєднався 3 кві 2011
Kevin Knauss posts educational videos related to his main business of health and life insurance. Covered California, Medi-Cal, and Medicare are primary topics when it comes to videos on individual and family health insurance. Kevin is a certified Covered California health insurance agent and certified to sell many different types of Medicare products. Kevin also writes about early California history focused on the American River, Folsom, and Sacramento. The historical research Kevin does will often become the topic of a history video such as the gold rush, railroads, and the people who shaped the region.
2025 Medicare Part D Prescription Payment Plans
For 2025, Medicare Part D plan members will be able to opt into a prescription payment plan to distribute the cost of their drugs over the course of the year. It is focused on people who have high drug cost where they must meet a drug deductible. It is not a good option for many people.
Переглядів: 52
Відео
2025 Medicare Part D Review Part 1, Cost Structure
Переглядів 65День тому
Overview of the significant changes to the 2025 Medicare Part D prescription drug plans cost structure with lower maximum out-of-pocket costs. Part 2 focuses on the new prescription payment plan for drug costs
Are Expensive ReSound Hearing Aids Worth the Money?
Переглядів 43День тому
I purchased a pair of ReSound Nexia hearing aids, custom fitted for my ears, and they are seriously expensive. Are they better than the over-the-counter hearings I bought? I review the hearing aids and my experience. There are several OTC hearing aids that might work just as well for you.
Health Insurance Options After a Divorce
Переглядів 4321 день тому
After a divorce, you will have a variety of health insurance options. I review some of the options such as COBRA, Covered California, IFP, Medi-Cal, Medicare, VA, Indian Health Service, and MRMIP. You can enroll in many plans in the middle of the year if you have an involuntary loss of coverage because of a divorce.
Medicare Medi-Cal Extra Help Income Considerations
Переглядів 13421 день тому
A review of income considerations for the Medicare Savings Program - Extra Help - administered by Medi-Cal. The different types of unearned, earned, and in-kind income. There are also certain types of income that are exempt from the eligibility consideration along with deductions to the monthly income.
Boston's Charles River Accelerated Trip through Lock and under Railroad bridge
Переглядів 3821 день тому
An accelerated trip through Boston's Charles River lock out to Boston Harbor, under a lifted railroad bridge, and back through the lock to the Charles River. It's a fun little trip if you have a chance to take it.
Stewing Cherries with No Sugar Added
Переглядів 67Місяць тому
Stewing cherries from pitting to cooking with no sugar added. It's a simple process. The cherry juice splattered can be messy. The worst part is pitting all the cherries. After a quick cook, you are left with a sweet cherry juice and chunks of cherries, great for putting on yogurt, ice cream, or other fruit.
Project 2025 Plans to Ban Abortion, Erase LGBTQ People
Переглядів 175Місяць тому
Project 2025, chapter 14, written by Roger Serevino, lays out plans to ban abortion and erase LGBTQ people. Serevino even offers a suggestion to terminate the parental rights of parents who are not serious and sincere. He wants to strip the authorization for abortion pills and stop Medicaid payments to states, like California, who include abortion coverage in health insurance.
Updated Income Attestation Form from Covered California
Переглядів 175Місяць тому
Covered California has reformatted the income attestation form to function better with Artificial Intelligence. You should use the new form, using all capital letters, to avoid delaying the verification of your income in the system.
"The Chinese Boy" a Book by Kevin Knauss
Переглядів 452 місяці тому
An introduction to "The Chinese Boy, An Orphan Child Raised in a California Gold Rush Town," is my first work of historical fiction. I have written other books of history. It was the research and study for those other history books that laid the foundation for the "The Chinese Boy." While the characters are fictional, many of the events and circumstances are rooted in the history of California ...
California Delta Dental PPO Plans 2024
Переглядів 2452 місяці тому
There are three enrollment channels for Delta Dental PPO Individual and Family dental insurance plans. Each channel has slightly different plan structures and monthly rates. I review the plans and costs and how some plans may be better than others.
Kia Flat Tire Repair
Переглядів 3612 місяці тому
I use the KIA Tire Mobility Kit for a temporary repair on a flat tire on my 2020 KIA Niro PHEV EX. The fix-a-flat solution works. The tire repair shop made a permanent repair later in the day.
Rode Wireless Pro Microphone Review
Переглядів 552 місяці тому
The Rode Wireless Pro microphone system is very good for UA-cam creators. There are a lot of features that are nice, such as the charging clamshell case for the transmitters and receiver. The numerous features can be complicated and if you are not careful you can change settings leading to frustration.
Blueberry Pancake Breakfast on the Weber Lumin Electric Grill
Переглядів 3662 місяці тому
Blueberry Pancake Breakfast on the Weber Lumin Electric Grill
Explanation of Medicare IRMAA Extra Cost on Part B and Part D
Переглядів 2402 місяці тому
Explanation of Medicare IRMAA Extra Cost on Part B and Part D
Activating Medicare Part B Before Group Health Plan Ends
Переглядів 4943 місяці тому
Activating Medicare Part B Before Group Health Plan Ends
Covered California Phishing Email and Text Scams Targeting Consumers and Agents
Переглядів 3963 місяці тому
Covered California Phishing Email and Text Scams Targeting Consumers and Agents
Finding the Covered California Tax Credit or Repayment on form 1040
Переглядів 1163 місяці тому
Finding the Covered California Tax Credit or Repayment on form 1040
Roof Review of PVC Single Ply Material after 9 Years
Переглядів 3974 місяці тому
Roof Review of PVC Single Ply Material after 9 Years
Floating Fireplace Mantel Installation on a Rock Wall
Переглядів 5164 місяці тому
Floating Fireplace Mantel Installation on a Rock Wall
The Last Years of the North Fork Ditch, 1946 - 1947
Переглядів 4684 місяці тому
The Last Years of the North Fork Ditch, 1946 - 1947
Paths to California Health Insurance
Переглядів 3725 місяців тому
Paths to California Health Insurance
When Your Tax Return Income Is Medi-Cal Range
Переглядів 6315 місяців тому
When Your Tax Return Income Is Medi-Cal Range
2024 Covered California Medi-Cal Updated Income Table
Переглядів 3,2 тис.5 місяців тому
2024 Covered California Medi-Cal Updated Income Table
Medi Cal To Pay Medicare Part A Premiums
Переглядів 4175 місяців тому
Medi Cal To Pay Medicare Part A Premiums
Higher Medi-Cal Income Limits of 3.3% for 2024
Переглядів 3,9 тис.6 місяців тому
Higher Medi-Cal Income Limits of 3.3% for 2024
Review Your 1095-A From Covered California For Errors
Переглядів 4146 місяців тому
Review Your 1095-A From Covered California For Errors
Electric Fireplace Insert in an Old Mid-Century Modern Home
Переглядів 1,1 тис.6 місяців тому
Electric Fireplace Insert in an Old Mid-Century Modern Home
Appeal Covered California Eligibility Determination
Переглядів 2017 місяців тому
Appeal Covered California Eligibility Determination
Thanks so much Kevin. Are those figures consistent in all Counties of CA?
Yes, the dollar amounts apply statewide for MAGI Medi-Cal for under 65-year individuals who are not on Medicare.
How much for a household of 2 my daughter just turn 18
$2,352 per month.
it'd be cool to fly a drone up there and see what is going on. too bad it is so overgrown.
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.
I will be covered under Medicare next August. Currently, I am covered thru covered California MediCal under MAGI due to no income and my eligibility just got approved as my anniversary is September. I don’t plan on continuing with MediCal once I get under the Medicare coverage. I will also be signing up for Social Security starting August 2025 which will anyways put me over the FPL income together with my 401k withdrawals. At the time when I get covered under Medicare, do i just call MedICal to let them know I no longer need coverage anymore and is that all I have to do? I also will not need the Medi-Medi option as I will be able to pay my supplemental and Medicare premiums from the social security income plus 401 K. Will stopping medical at that time cause be any issues with Medicare premiums deductions? I will want to be only on Medicare with supplemental starting August next year with no Medical anymore or also no Medi-Medi anymore as I will be financially able to pay my premiums. Please advise me how to successfully terminate MediCal under MAGI with no issues and smoothly transition into full Original Medicare with supplemental and allow my premiums to be deducted from the SS check. Is there anything I need to let SS department know that I no longer will be covered under MedICal once Medicare kicks in. Sorry for the long comment but I just want to do it the right way. Ending one and starting the other on the right foot.
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.
Do you know which native American group lived at Hinkle Creek?
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
Hi I have one lump sum in Dec 1 2024 from my pension $6880. Will i lose my Medicaid for one month because my monthly income will over the California monthly income? Or they will put my back in Jan when my monthly income goes back normal. Please reply
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
Thank you, Kevin for sharing. Always nice to have options.
Some options are more expensive than others, but lots of options for the hearing impaired.
Hi Kevin! Thank you for the detailed video. I wanted to get some clarification, I’m currently pregnant would I count my unborn baby in my household size?
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 !
does the blue light stay on all the time on the temp control unit ?
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.
Thanks for the video. I am retiring early from my job and my coverage ends on Sept. 31st. I will need coverage from Oct - Dec. My job has been covering our family for medical. My husband is offered medical at his work but it is very expensive. Can we still get covered california if it is cheaper than what his will cost? Also, even if I don't get a large subsidy for 2024 does it make sense to get it now based on the special event and that way we can continue it in open enrollment but get a much larger subsidy because we will have less income. Thanks again.
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.
I appreciate your UA-cam channel. Thank you for sharing. Can you please give me some information that I'm not finding anywhere and when I called Medi-Cal I'm placed on hold for over an hour. This is my situation: I'm 76 years old drawing Social Security of $1,909 per month and living in Kern County. I have no savings. My question is, what is the maximum I can make in earned income working without losing my Medi-Cal benefits? My work is sporadic. For example, I didn't have any income from September of 2023 through the remainder of the year. Thank you for your time.
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.
Check their antennae to make sure they aren't termites.
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.
Currently under cover CA. Husband has a new job that offers only Kaiser😢 due to my medical condition I do not want Kaiser. Can we keep Cover CA? Or do we need to go completely to a private.
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
Nicely done!
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.
Given the removal of the asset limit for most Medi-Cal programs in 2024, my understanding is that an inheritance only affects Medi-Cal eligibility to the extent that it raises your income for the month the inheritance is received (assuming it is a single lump sum), and the extent of any future earnings on the inherited assets. So if a person currently has an income that qualifies them for Medi-Cal QMB or A&D FPL, and receives a $100k inheritance, and reports it within 10 days, then I assume they will lose their Medi-Cal benefits. If we assume that the next month their income going back to what it was before, should they be able to start getting Medi-cal benefits again immediately, or perhaps after ~3 months given delays in processing?
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.
I canceled my health insurance. It’s cheaper to pay the penalty than to pay over $400 a month. I have other bills to pay. Even going down to the lowest tier would cost around $300 a month.
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.
I have cobra with my job but I’m wondering there is something that’s cheaper out there for my family of 3 two adults and one child 🙏🏼 what do you think? Thank you
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!
Hi kevin, What is the income max for medi-cal for 3 people? We are trying to decide if my wife should start collecting her social security now. The only countable income we have right now is my SSDI. Our special needs grandson who lives with us will be turning eighteen next year if that matters. Thanks
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.
I thought yr Social security and yr pension count as earned income in California.
If this is for Medicare Savings Program, both are counted toward your monthly income.
I'm on Cal med-cal so do my social security and my pension count as unearned income? Or count as earned 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.
great video and explanation Kevin but i still have a question: I settled a work comp case a couple of years ago and the settlement money was put in a special needs trust so that I could keep my Medi-cal (I also have Medicare). With this new rule, can I transfer what's left in my trust account to my personal account? Thank you.
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.
and you did, taking us along for the ride! Thank you!
Was that a standard or compact lumin grill?
This is the standard size.
How do I sign you as an agent?
insuremekevin.com/designate-agent-covered-california/#gsc.tab=0
Also, the line 11 on tax return doesn’t paint the picture for self-employed, the AGI would be much more than the calculated monthly income (with deductions). Is that right?
Self-employed individuals use a Schedule C to calculate Profit or Loss from a business, which is fed into the AGI on line 11.
If children qualify for medi-cal, but the parents don’t, would Covered CA consider the parents as a 2-person household? Because if you put those numbers for a 4-person household, they wouldn’t qualify for covered ca either
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.
Does covered California look at assets?
Assets are not considered for eligibility. If the assets generate taxable income such as interest and rents, those income streams are considered.
thanks for the review! i'm looking into a 2021 kia niro PHEV and this was a very detailed video. have you had any other problems since this video was uploaded?
The only issue I have had is a flat tire. I used the flat tire sealant and pump and it worked great.
I bought a used 2021 PHEV a few months ago. Best car I have ever had. I love how high tech it is, but looks very normal. Lots of flexibility In the two displays, fun to drive… ten times better gas mileage than my previously owned truck.
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.
I want to be covered ca certified insurance agent. how can i use sole partnership to apply it. when i go there , it shows i need agency number. where to get it ? can you send me the link to apply it
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.
Dolly parton president sylvestot stalone vice president
They are blocking me from obtaining my own Covered CA with Kaiser plan since Medi-Cal has also blocked me from choosing Kaiser as my plan with state medi-cal although I am a former patient of paid Kaiser plans for years. It's like medi-cal are the same people as Covered Ca.
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.
Thanks so much. Looks delicious. Cherries I've tended to stay away from because of the pits; so it was nice to see your use of the pitting tool. I see the tool can be used for olives as well and runs up to $10 or so (OXO has a multi-pitter tool for $21). Thank you again!
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.
I remember this
Hello Kevin. I have a lengthy paragraph ahead and I’m very confused and how you can clarify. Currently a family of 5 making 73k on medi-cal. Renewal is coming up, based on the income chart we will be pushed over to covered California. Ages in the family are 54.42.19.17 and 9. Will our household still be able to qualify for medical on other ways than income. In the dchs website I am seeing anyone below 21 or 26 is eligible for age based medical. Which one is the actual age? 21 or 26? I’m seeing both. Then I’m seeing if you are a parent of an age eligible child, you also qualify. So based on this info does this mean my household will have all 5 people renewed for medical based on these qualifications other than income. This is the first year the our income has passed the 138% mark due to the 19 and 17 yr olds getting part time jobs. Hope you can clarify thanks.
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.
Are these values monthly or yearly
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.
Hi Kevin! Thank you for the very useful information. Can you clarify for me, please? Are these income limits gross or after tax?
Modified Adjusted Gross Income.
@@KevinKnaussThank you!
Hello Kevin, I have 2 adults and 3 minor children, incomes $5773/mo gross, living in Northern California. I had two county workers each gave me different info, one said during last year renewal that we were all eligible for medical, and one told me just few days ago that both us adults are no longer eligible even no change in incomes. Could you tell us, are we eligible or not?
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,
We are definitely voting blue in our family. We can not let a Trump dictatorship, nor this project 2025 happen. 💙💙💙💙
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.
i was receiving an insurance through covered ca, but earlier this year it was inactive and then i received a medi-cal card. i did nothing different- no changes/updates besides just file yearly taxes. does irs or cov ca share my income info with medical agency if they are finding my income ineligible, too low?, i also did not even update my income besides just doing my yearly taxes w/ accountant (he does ask for the cov ca tax doc to do my taxes) to irs. does this income info get shared across all gov agencies to find members health care? i dont have an account with cov california, should i benefit with 1 agency more over the other?- or attempt to get cov ca back? lastly, will i need to file anymore end of year health tax records from medical to irs as i previously have from cov ca? thanks so much sir:)
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.
Thanks for the videos. You really help relieve me of anxiety and stress! I have 2 questions about income and changing plans. 1) How should I report a one time estate disbursement I received in July that counts as supplemental income? Should I divide the total amount by 6 and report the monthly amount for the rest of the year? 2) Am I allowed to change plans after reporting the new income as I will probably lose most all of my subsidies at my new annual income level and want to go to a more affordable plan rather than paying full price for a higher tier? Again, thank you for your videos 😊
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!
Long term, this is a good thing if it were to happen. It further draws the line between states, sets them and their population against the federal agencies and could lead to enough tension to get the states to take power back to their constituency. No one should be living with a giant government set against them, local authority, local power, get it out of DC.
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.
Thank you for sharing the details of Chapter 14 of Project 2025. I didn’t realize this was where Serevino wants to take the country should Donald Trump win in November. Looking forward to raising my voice in opposition this fall.
It’s all about education. Once you understand the implications, you can make an informed decision.
Thank you, Kevin for sharing. As legislation often impacts someone near and dear, it is always important to have awareness ahead of casting a vote. Life at the poles is extreme and unhealthy. I much appreciate working together, a moderate POV, bi-partisanship. That's my understanding of democracy.
Diplomatically stated, thank you.
Thank you for posting this. My question is I’m in LA care (LA COUNTY) my adult son is on Medical full coverage he has disability and wondering if different counties treat it differently throughout California thinking about moving to Ventura County /San Diego County?
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 :)
Thank you. After I turn 65, when receiving a check from 401k, is that regarded as withdrawal or distribution? Does it count towards income when it comes to Medi-Cal income qualification?
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.
Great information, thank you
Where do you park to see this? Thank you 🙏🏼
If I remember correctly, we parked someplace around the Grover Hot Springs facility and then hiked up the hill.
@@KevinKnauss Thank you! Looks fun
I just found your video and have a couple of questions. If I retire in September, (I'll be 62) would I still need to start with my previous year income as a basis or can I use my current year income since most of the year will already be over and I can just add my social security to get my estimated annual income? When does the calculation for the annual income limit start? Does it start from the calendar year in January, or does it start on the enrollment day of November 1st?
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.
Hi Kevin, I am a certified Level 2 manager new to working with covered CA. My question is Will I be appointment with a carrier that I sell a plan with automatically when I sell a particular plan on the exchange with a certain company for example Aetna, or do I need to contranct with Aetna first before I can sell their products on the exchange?
You must be appointed by each carrier. There is no automatic appointment just because you are certified with Covered California.