We're Compassionate Experts That Ensure You Receive The Senior Help and Advocacy You Need For Your Loved Ones.
August 12, 2022
Gregory A. Steen

Medi-Cal For Seniors – Should You Do It Yourself?

At Senior Care Advocates, we provide senior help and advocacy. That means we will always give you the truth whether you want to hear it or not! A question we get regularly is, “why can’t I just do the Medi-Cal application myself?” Our response is always the same, “You can, but we don’t generally advise it.” Again, we will always inform you of your rights and options but give you our recommendations as well. This is because we have over thirty years of experience advocating for seniors and have seen the obstacles out there and how the system does not seem to support them very well.

What to Consider:

Time or money

Can you afford the risk of denial? Medi-Cal has up to 45 days to issue an approval or denial, and in most cases, they take that long. Sometimes even longer. When you are unaware of your rights, you can end up paying the private pay rate, or what we refer to as the retail rate, and it is not necessary. Skilled nursing is almost $12,000 per month now and if you cannot afford that rate, what would you do? Side note: We do not recommend allowing the skilled nursing staff to apply for you either. Our experience is that most will complete the basic paperwork, and a couple of weeks later you receive a Request for Verifications for all the required information that should have been provided with the application. The notice gives you 10 days to comply, or they deny the application. The well-intended employee has unknowingly set you up to pay the retail rate and lose a month or two of benefits. This is because they almost never ask you for financial information, only income. This is because they need to determine the Share of Cost, which is what they will bill you while the application is pending. In most cases, this is a bad choice.


Do you have full access to your loved one’s financial, legal, medical, and insurance information? You will need it for Medi-Cal to approve an application. What if you do not? Do you know your rights and options? We do.

Share of Cost

This is your monthly co-pay, or deductible if you will. Medi-Cal gets it wrong almost half the time. How would you know if they got it correct or not? Many people pay too much and do not know it.

Your Loved One's Needs

What will they benefit from the most, your presence or your clerical ability?

Medi-Cal Estate Recovery

We know how to protect the estate and guarantee you will never have to repay the state.
Why risk it by doing it yourself?


We receive calls every month from people who have been wrongfully denied, and we fix what is broken. The cost of care is extremely high, but the cost of a denial can be staggering. Why take that chance? Contact us for help right now.

Gregory A. Steen, CLRP brings over three decades of leadership and experience in financial advice, asset protection strategies, and post-retirement planning. He is the founder and CEO of Senior Care Advocates, a senior help and advocacy firm based in Fresno, CA. Greg is certified in Life Resource Planning and can be seen regularly on Central Valley Today.
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