Can you have insurance and Medi-Cal?

Asked by: Louie Mueller | Last update: August 24, 2023

Score: 4.3/5 (23 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 you be on Medi-Cal and private insurance?

If you have private health insurance, you can still qualify for Medi-Cal. Members who already have insurance can add Medi-Cal coverage to their existing plan. Your provider will first bill your private insurance, and then Medi-Cal will pay for any additional services it covers.

Can you have Covered California and Medi-Cal?

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.

What other benefits can I get with Medi-Cal?

What are the Medi-Cal Benefits?

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.

Does Medi-Cal cover health insurance?

Medi-Cal is health coverage, just like the coverage offered through Covered California. Medi-Cal provides benefits similar to the coverage options available through Covered California, but often at lower or no cost to you or your family.

Medi-Cal Eligibility Updates for 2023

20 related questions found

Does Blue Cross have Medi-Cal?

Anthem Blue Cross is a Plan Partner that serves Medi-Cal members.

Does Blue Shield have a Medi-Cal plan?

Blue Shield of California Promise Health Plan currently serves Medi-Cal members in Los Angeles and San Diego counties. In Los Angeles County, we are contracted with L.A. Care Health Plan. In San Diego County, we are contracted with the Department of Health Care Services.

Can you have Medi-Cal and work insurance at the same time?

Note: You can choose to get Medi-Cal even if you have employer-sponsored coverage. If you have both at the same time, Medi-Cal may decide it is cost-effective for them to pay your portion of your employer-sponsored health insurance's premium.

How much money can you have in the bank if you have Medi-Cal?

Well... since last year, Medicaid program in California has established that the assets value of individuals must not be over $130,000 in order to quality for that benefit. Also, for married couples, assets can't reach the quantity of $195,000.

What income disqualifies you from Medi-Cal?

Adults qualify for Medi-Cal with a household income of less than 138% of FPL. However, according to the Covered California income guide, children who enroll on Obama Care California plans may qualify for Medi-Cal when the family has a household income of 266% or less.

Can I get Covered California if I already have insurance?

Employees who are offered health coverage by their employer that is affordable and meets minimum value standards do not qualify for financial help to lower the cost of a Covered California health plan. You may still buy a Covered California health plan, but you will have to pay the full cost of that plan.

How much can you make to stay on Medi-Cal in California?

Most single individuals will qualify for Medi-Cal if there income is under $1,676 per month. Most couples will qualify if their income is under $2,267 per month. If you have disabilities, your income can be slightly higher. You can qualify for Medi-Cal even if you have assets.

Can you have Medi-Cal and Kaiser at the same time?

Kaiser Permanente participates in Medi-Cal in many counties. This means that if you are a current Kaiser Permanente member and your situation changes, you may be able to keep your same doctor and continue your care with Kaiser Permanente if you qualify for Medi-Cal.

What is secondary insurance?

Secondary insurance is health insurance that pays after primary insurance on a claim for medical or hospital care. It usually pays for some or all of the costs left after the primary insurer has paid (e.g., deductibles, copayments, coinsurances).

Can I have both Medicare and Medi-Cal?

Some people qualify for both Medicare and Medi-Cal and are “dual eligible” or Medi Medi beneficiaries. When an individual has both Medicare Parts A and B, Medicare is the primary insurance and pays for most medical care.

Does Medi-Cal look at your savings account?

Medi-Cal limits seniors and people with disabilities to assets of no more than $2,000 for individuals and $3,000 for couples — a restriction that has not changed since 1989. Assets include cash on hand, money in a checking or savings account, a second car, and other resources.

Does Medi-Cal check savings?

Tese rules will continue under the asset limit increase in July 2022. After January 2024, the ownership of a home, more than one vehicle, or the amount of money and savings in a banking account, will not be taken into account for Medi-Cal benefts. Q: Will Medi-Cal income limits change?

How many cars can you own on Medi-Cal?

ONE car. Insurance policies. Whole life (if total face value is $1,500 or less) and term life.

Can I choose Covered California instead of Medi-Cal?

You may be eligible for health coverage through Covered California if you are no longer eligible for Medi-Cal due to an income increase or change in household size. In order to avoid a gap in your health coverage, Covered California can help you select a new plan before your Medi-Cal coverage ends.

Does Medi-Cal pay for copays?

Medi- Cal may pay for any co-pays or deductibles you accrue under your private health insurance coverage, Medicare Part A (in-patient hospital), Medicare Part B (out-patient services, including specialty care and lab tests), Veterans Insurance, Tricare or any other public or private insurance plan that allows for such ...

What insurance company is Medi-Cal?

Medi-Cal is California's Medicaid program that provides medical services to low-income people at little or no cost. It is administered by the Centers for Medicare and Medicaid Services (CMS) and the California Department of Health Care Services (DHCS).

Does Medi-Cal cover surgery?

medications. Inpatient hospital services • Anesthesiologist services • Surgical services (bariatric, reconstructive surgery, etc.) Organ & tissue transplantation • Outpatient laboratory and X-ray services o Various advanced imaging procedures are covered based on medical necessity.

What type of insurance is Medi-Cal considered?

Medi-Cal, California's Medicaid program, is a public insurance health care program which provides health care services for low-income individuals and families who meet defined eligibility requirements.