Can I have another insurance with Medi-Cal?
Asked by: Kayleigh Rowe | Last update: July 27, 2025Score: 5/5 (71 votes)
Can you have 2 medical insurance policies?
Having dual coverage is perfectly legal. But you must coordinate your two policies correctly to ensure you cover your medical expenses compliantly. If you're new to dual insurance, you've come to the right place!
Can you have Medi-Cal assistance and private insurance?
You can have Medicaid and private health insurance at the same time, and there are some advantages and disadvantages to doing so. In many cases, if you're eligible for both Medicaid and private insurance, your private insurance plan will be the primary coverage, and your Medicaid coverage will be supplemental.
What other benefits can I get with Medi-Cal?
- Outpatient (Ambulatory) services.
- Emergency services.
- Hospitalization.
- Maternity and Newborn care.
- Mental Health and Substance Use Disorder Services.
- Prescription Drugs.
- Programs such as physical and occupational therapy (known as Rehabilitative & Habilitative Services) and devices.
Can you have two insurances in California?
The short answer to that question is yes, you can have two health insurance plans. In fact, it's becoming increasingly common for individuals to have more than one health insurance plan.
Can Employees Have Two Health Insurance Plans?
Can I have Medi-Cal as a secondary insurance?
Medi-Cal is the payer of last resort, which means in most cases Medi-Cal will be secondary to the OHC, covering allowable costs not paid by the primary insurance (typically wrap payments or co-pays) up to the Medi-Cal rate.
Can you have two health insurances with Medicaid?
The simple answer to the question of “can you have both Medicaid and private insurance?” is a resounding “YES”! Medicaid is given to low-income U.S citizens in need and will not be disputed due to already enrolled in a private health insurance program.
Does Kaiser accept 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.
What does Medi-Cal not cover?
Restricted scope Medi-Cal covers limited services. It does not cover medicine or primary care. If you have pregnancy-related limited scope Medi-Cal, you will have the full scope of Medi-Cal benefits, if the service is medically necessary.
How much money can I have in my bank account if I have Medi-Cal?
For new Medi-Cal applications only, current asset limits are $130,000 for one person and $65,000 for each additional household member, up to 10. Starting on January 1, 2024, Medi-Cal applications will no longer ask for asset information. » I was not eligible in the past.
What will disqualify you from Medi-Cal?
The Medi-Cal program determines eligibility for benefits on a “means” tested basis. If a Medi-Cal applicant's property/assets are over the Medi-Cal property limit, the applicant will not be eligible for Medi-Cal unless they lower their property/assets according to the program rules.
Can you have dual coverage with Medi-Cal?
Medicare Medi-Cal Plans (MMPs or Medi-Medi Plans)
When dual eligible beneficiaries choose a Medicare plan that is an MMP, they are automatically enrolled in the Medi-Cal plan that aligns with their Medicare plan, so there is one organization coordinating care across both sets of benefits.
Do I have to pay back Medi-Cal?
The Medi-Cal program must seek repayment from the estates of certain deceased Medi-Cal beneficiaries. Repayment only applies to benefits received by these beneficiaries on or after their 55th birthday and those who owned assets at the time of death.
Can you be under 2 different insurances?
Although no laws prohibit you from purchasing two auto policies from two different companies, an insurer will not allow you to purchase two policies on the same car. If you have an auto accident, filing two claims with two different insurance providers constitutes insurance fraud even with two auto policies.
How do I know if I have secondary insurance?
Secondary insurance is when someone is covered under two health plans; one plan will be designated as the primary health insurance plan and the other will be the secondary insurance. The primary insurance is where health claims are submitted first.
What is the best medical insurance?
Investopedia's analysis ranks Kaiser Permanente as the best health insurance company for 2025 because of its blend of affordability and low customer complaints. UnitedHealthcare and Aetna also earned top marks. We evaluated nine insurers using dozens of criteria, such as customer satisfaction, plan types, and costs.
Can I have Medi-Cal and other health insurance?
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.
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.
How can you lose Medi-Cal?
Your Medi-Cal coverage will end if you don't turn in your renewal form or you are missing proof of things like income that the county asked you to send.
Can you go to any doctor with Medi-Cal?
After you choose a medical plan, you choose a primary care provider (PCP) — a doctor or clinic that belongs to your medical plan. You must go to your PCP first for your health care. The doctor or clinic you go to now may be part of the medical plan.
How to switch Medi-Cal to kaiser?
To learn how to enroll in Kaiser Permanente, call Medi-Cal HCO Monday – Friday, 8 a.m. to 6 p.m. at (800) 430-4263 (TTY: (800) 430-7077).
Can I go to Kaiser without insurance in California?
The Medical Financial Assistance program helps low-income, uninsured, or underinsured patients who need help paying for all or part of their medical care received from Kaiser Permanente. Patients are eligible for financial assistance when their family income is at or below 400% of the Federal Poverty Guidelines (FPG).
Can I have 2 medical insurances?
Yes, you can have two health insurance plans and it is perfectly legal, but it is also important to fully understand how primary vs secondary insurance operates.
Can I get Medicaid if I already have insurance?
People who have both Medicare and full Medicaid coverage are “dually eligible.” Medicare pays first when you're a dual eligible and you get Medicare-covered services. Medicaid pays last, after Medicare and any other health insurance you have.
What is double insurance?
Double insurance refers to the method of getting insurance of same subject matter with more than one insurer or with same insurer under different policies. This means that one can get insurance policies on a subject matter more than its value. Double insurance is possible in all types of insurance contracts.