Can you have Medi-Cal and private insurance?
Asked by: Retta Smith | Last update: March 17, 2025Score: 4.8/5 (3 votes)
Can you be on Medi-Cal and another insurance at the same time?
(For Adults Age 19 and above, updated: June 2016) Myth 1: One can not have Medi-Cal and any other insurance at the same time. Fact: There are no restrictions on multiple coverage under Medi-Cal regulations.
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 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 you have two health insurances Covered California?
In California, qualified group health insurance plans co-ordinate benefits with each other. This means that you can get coverage under your health plan and additional sharing of claims cost under your spouse's group plan if you are enrolled on both.
What Are the Eligibility Requirements for Medi-Cal in California? - InsuranceGuide360.com
Can you have 2 Medi-Cal insurances at the same time?
Can I have 2 health insurance plans at the same time? Yes. A process called coordination of benefits determines which insurance plan will pay first. Your primary plan will pay for the health claim first, paying the costs up to the plan's coverage limits, and then your second plan will kick in.
Can I apply for Covered California if I have Medi-Cal?
I am currently enrolled in Medi-Cal. Can I get health insurance through Covered California? If your income changes during the year or at your annual renewal, you may qualify for other health insurance and premium assistance through Covered California.
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.
Can I get Medi-Cal if my employer offers insurance?
Some or all of your family may still qualify for the Medi-Cal program if your income lands within a certain range of the Federal Poverty Level guidelines. This is regardless of whether you are offered insurance through your job or a family member's job.
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.
Can a person have Medi-Cal and private 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 happens if you have Medicaid and private insurance?
Eligibility is based on many factors that vary state by state with a common goal of providing benefits to low-income individuals and families that need it most. Because Medicaid eligibility is significantly based on income level, having private insurance will not restrict Medicaid 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.
How much money can I make and keep Medi-Cal?
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.
What does secondary insurance mean?
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).
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.
Can I keep Medi-Cal if I get a job?
Get any other health coverage, like through a job or Medicare. This won't stop your Medi-Cal.
Which Medi-Cal plan is best?
OAKLAND, Calif., Jan. 19, 2023 – Kaiser Permanente Northern California's Medi-Cal health plan is the highest rated in the state for quality care, according to a December 2022 report from the state's Department of Health Care Services (DHCS).
How does Medi-Cal verify income?
Earned Income Most recent pay stub, written statement from employer, completed employer's income verification letter. All verification must show gross income, pay period, date received and hours worked.
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 much can you have in your bank account for Medi-Cal?
asset information? eligibility for 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.
Can you be disqualified 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.
What happens if I don't report my income change to Medi-Cal?
If you do not report changes to your personal information right away, and then receive Medi-Cal benefits that you do not qualify for, you may have to repay DHCS.