State RegulationsCA specific✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
Which statement about Medi-Cal and long-term care is correct?
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
Medi-Cal is California's needs-based Medicaid program: long-term care coverage is available only to applicants who satisfy strict income and asset eligibility thresholds. Because most middle-class seniors do not qualify, they either spend down assets to become eligible or rely on private long-term care insurance to protect savings. AH-V.1a identifies Medi-Cal eligibility as one of the two forces, along with Medicare's limits, that create the demand for LTC coverage.
Why the other options are wrong
- A) Medi-Cal is needs-based, so income and assets are exactly what determines eligibility, not what is ignored.
- B) Medi-Cal does pay for nursing facility care for eligible low-income residents.
- D) Medicare and Medi-Cal are separate programs; being on Medicare confers no automatic Medi-Cal entitlement.
Memory hook
Medi-Cal = needs-based. Assets matter, which is why LTC insurance is pitched as asset protection.