State RegulationsCA specific✓ Verified · outline & fact-checked · Sep 2026Difficulty 3/5
A Medi-Cal applicant whose income exceeds the program's MAGI limits may still qualify under the 'medically needy' pathway. In that situation, the applicant must:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
For individuals whose income exceeds Medi-Cal's eligibility thresholds, California provides a 'medically needy' option with a monthly share of cost. The person must incur qualifying medical expenses each month equal to the share of cost; once those expenses are met, Medi-Cal pays for covered services for the remainder of that month. This mechanism extends coverage to people who have too much income for regular Medi-Cal but face heavy medical costs.
Why the other options are wrong
- B) There is no requirement to buy private insurance for a year before reapplying; the share-of-cost mechanism handles the income excess.
- C) Medicare Part B is a federal program for people 65 or older or with qualifying disabilities, unrelated to Medi-Cal's medically needy eligibility.
- D) The share of cost is a monthly spend-down of incurred expenses, not a flat copay per visit.
Memory hook
Share of cost: spend your monthly amount on medical bills, then Medi-Cal takes over.