What is Medicaid long-term care planning?
Medi-Cal (California’s Medicaid program) is the primary public program that can help pay for long-term nursing home care.
With nursing home costs averaging $23,656 per month in California (2025), long-term care can quickly put real pressure on family savings.
Medi-Cal long-term care planning helps a person qualify, or maintain coverage, under Medi-Cal’s requirements - while protecting assets where the rules allow. It focuses on assets, income, and timing, and helps families avoid common missteps that can delay coverage or create problems mid-care.
Good planning can help preserve family assets where allowed, support eligibility for nursing home coverage, and reduce rushed decisions once a health event forces care - especially as Medi-Cal rules change again in 2026, bringing back asset limits that can affect eligibility.
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Learn how 2026 Medi-Cal long-term care changes may affect your family’s eligibility and planning, plus other practical tips.
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