Can I get Medi-Cal if my employer offers insurance?

Asked by: Ms. Lizeth Wintheiser  |  Last update: April 25, 2025
Score: 4.5/5 (47 votes)

Even if you have other health coverage such as health insurance from your work, you may still qualify for Medi-Cal. If you qualify, Medi-Cal will cover allowable costs not paid by your primary insurance. Under federal law, Medi-Cal beneficiaries' private health insurance must be billed first before billing Medi-Cal.

Can I have Medi-Cal and work insurance?

Yes, it's possible! Explore your options for keeping Medi-Cal when you're employed — or transitioning to an affordable health plan — and how Covered California can help.

Can I get covered CA if my employer offers insurance?

Your employer plan is likely not considered affordable so you should be eligible for a subsidized plan through the marketplace. You don't have to enroll in your employers plan, you can buy a plan through covered CA if you want.

What disqualifies you from Medi-Cal?

To qualify, you must: Meet the medical requirements of Social Security's definition of disability. Be working and earning income (this can be part-time work). Have countable income less than 250% of the federal poverty level (in 2024, this equates to $3,158/mo.

Can I have both employer insurance and Medicaid?

Can I use Medicaid as secondary insurance after my insurance through my employer? Yes, you can maintain your employer-sponsored insurance plan as your primary coverage while also qualifying for Medicaid, which would pay for, generally speaking, any qualifying expense that your primary plan doesn't cover.

Do You Need Medicare If You Have Employer Health Insurance?

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Can you have Medicare and employer insurance at the same time?

Can I combine employer health insurance with Medicare? If you or your spouse are working and covered through an employer, you can also decide to keep this coverage and enroll in Original Medicare, Part A and/or Part B to get additional health coverage.

What are the new rules for Medi-Cal in 2024?

On January 1, 2024, Medi-Cal eliminated any asset limit for enrollees and instead considers only applicants' income when assessing financial eligibility for benefits.

What is the disadvantage of Medi-Cal?

The perception that Medi-Cal offered poorer coverage or less respectful treatment than other types of insurance. Concerns among noncitizen respondents that applying for Medi-Cal might affect their immigration status.

What is the highest income to qualify for Medi-Cal?

You are 19-64 years old and your family's income is at or below 138% of the Federal Poverty Level (FPL) ($21,597 for an individual; $44,367 for a family of four).

Can I decline employer health insurance and get my own?

Not Mandatory: You are not required to take your employer's health insurance if you don't want it; you can opt-out and choose another plan. Consider Coverage and Costs: Before opting out, compare your employer's plan with other options, considering both coverage and costs, including any potential tax benefits.

Is employer-sponsored insurance cheaper?

Your employer shares the cost of monthly premiums with you to save you money on health coverage. The health coverage offered by your employer is more affordable than Marketplace options.

Can you have Covered California and another insurance?

These two-program families are called “mixed-program families.” Your family can apply for both through Covered California application. Individuals in a mixed-program family will face different, but typically lower, costs due to their eligibility for both Covered California and Medi-Cal.

Will I lose my Medi-Cal if I get a job?

Get more or less money. Get any other health coverage, like through a job or Medicare. This won't stop your Medi-Cal.

What are the restrictions for Medi-Cal?

If you apply for Medi-Cal in 2023:

The current asset limit is $130,000 for one person. Each additional household member adds $65,000 to the asset limit. Up to 10 members can be in a household. Medi-Cal will also consider income information (including income from property).

How do I check Medi-Cal eligibility?

Who is eligible? Qualify for Medi-Cal if your income is up to 138 percent of the Federal Poverty Level (FPL) for adults, and up to 266 percent FPL for children. Check Shop and Compare to see if you qualify. Learn more on the Department of Health Care Services website.

Can I have insurance and Medi-Cal?

Even if you have other health coverage such as health insurance from your work, you may still qualify for Medi-Cal. If you qualify, Medi-Cal will cover allowable costs not paid by your primary insurance. Under federal law, Medi-Cal beneficiaries' private health insurance must be billed first before billing Medi-Cal.

Why does no one accept Medi-Cal?

The most frequent reasons physicians limit Medi-Cal patients in their practices are payment rates and administrative hassles.

How many months can you go without health insurance in California?

As a California resident, you should carry insurance throughout the year with no gaps in coverage of 90 days or more. Otherwise, you may face a tax penalty when you file your tax return. There are some exemptions to California's penalty, which we'll discuss later.

Can I have money in the bank and still get Medi-Cal?

➢ Do assets affect my eligibility? Starting on January 1, 2024, assets, such as bank accounts, cash, a second vehicle, and homes, will no longer be counted when determining Medi-Cal eligibility. Income and income from assets, such as income from property, will continue to be counted.

Can I get Kaiser with Medi-Cal?

The California Medi-Cal program provides health care coverage for some of the most vulnerable populations in the state and Kaiser Permanente participates in the Medi-Cal program to provide high quality care to enrolled beneficiaries in most counties currently served by the health plan.

How long can I stay on Medi-Cal?

Medi-Cal members must renew their coverage each year to keep their health care benefits.

Do I have to get Medicare if I have employer coverage?

If an employer has fewer than 20 employees, generally you will need to enroll in Medicare during your Initial Enrollment Period. If you have health coverage through a spouse's employer, what you can do will depend on the employer's rules. You may be able to delay or you may need to enroll at age 65.

What is the best secondary insurance if you have Medicare?

The best Medicare supplement plan providers
  • Best for extra plan benefits: Humana.
  • Best for straightforward coverage: State Farm.
  • Best for extensive medical care coverage: AARP by UnitedHealthcare.
  • Best for a range of Medigap plans: Blue Cross Blue Shield.

Can I have an employer plan and a Medicare Advantage plan?

In other cases, if you join a Medicare Advantage Plan, you may still be able to use your employer or union coverage along with the Medicare Advantage Plan you join. Your employer or union may also offer a Medicare Advantage retiree health plan that they sponsor.