What kind of insurance is Medi-Cal?

Is Medi-Cal Covered California?

Medi-Cal offers low-cost or free health coverage to eligible Californian residents with limited income. Covered California is the state's health insurance marketplace where Californians can shop for health plans and access financial assistance if they qualify for it.

Can I have 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.

What is Medi Medi insurance?

Medicaid is a joint federal and state program that helps pay medical costs if you have limited income and resources and meet other requirements. Some people qualify for both Medicare and Medicaid and are called “dual eligibles.” This is also referred to as “Medi-Medi.”

Is Medi-Cal Medicare Advantage?

Medicare Advantage Plans are a type of Medicare health plan offered by private companies that contract with Medicare to provide Part A and Part B benefits. Most Medicare Advantage Plans also offer prescription drug coverage. ... MA plans pay first, and Medi-Cal pays any remaining cost sharing amounts.

Do I need to enroll in Medicare if I have Medi-Cal?

If you have Medi-Cal, you must enroll in a Medicare Part D drug plan. ... Medi-Cal pays for your long-term care and care in a nursing home. If you're in a Medicare Advantage plan, you must get all of your medical care from in-network doctors and other medical providers.

Is Medi-Cal A HMO?

Almost all Medi-Cal plans are “managed care plans” which means they function similar to an HMO. Medi-Cal Plans can be found in the Medi-Cal Managed Care Health Plan Directory. A managed care plan means you'll have a primary care physician, and they're the one person you'll see if you need medical care.

Are there different types of Medi-Cal?

This guidebook explains the two kinds of Medi-Cal: Regular Medi-Cal and Medi-Cal Health Plans. This guidebook can help you choose which kind of Medi-Cal is right for you.

What is better HMO or PPO or EPO?

An EPO (or “exclusive provider organization”) is a bit like a hybrid of an HMO and a PPO. EPOs generally offer a little more flexibility than an HMO and are generally a bit less pricey than a PPO. ... An EPO is a good option if you want to see specialists without a PCP referral within your network.

What is the difference between HMO and PPO insurance?

What Is the Difference Between an HMO and a PPO? ... With an HMO plan, you must stay within your network of providers to receive coverage. Under a PPO plan, patients still have a network of providers, but they aren't restricted to seeing just those physicians. You have the freedom to visit any healthcare provider you wish.

Can Medi-Cal be a secondary insurance?

When you have Medicare Parts A and B, Medicare is your primary insurance and pays for most of your medical care. Medicare has 3 parts—Part A, B and D. Medi-Cal is your secondary insurance. Medi-Cal closes the gaps in Medicare coverage and provides additional benefits not covered by your Medicare.

Is Medi-Cal primary insurance?

Primary Insurance is health insurance that pays first on a claim for medical and hospital care. In most cases, Medicare is your primary insurer. See also, Secondary Insurance.

What is Medi-Cal Part B?

Medicare Part B (Medical Insurance) covers certain doctors' services, outpatient care, medical supplies, and preventive services.

What are the benefits of Medi-Cal?

Does Medi-Cal check your bank account?

Yes. Asset tests are a part of Medicaid eligibility requirements. Medi-Cal is the State of California's Medicaid program. Bank accounts are one of the easier tests for the government to make.

Can you have Medi-Cal and Kaiser?

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.

How much is Medi-Cal per month?

How much are the premiums? The premiums for Medi-Cal for Families are $13 for each child and no more than $39 per family per month. What can I do if I disagree with paying a monthly premium? Monthly premiums must be paid for the child(ren) to remain eligible for this Medi-Cal program.

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

Medi-Cal and Employer-Sponsored Health Coverage

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.

Is Covered California Medi-Cal free?

What is Medi-Cal?​ Medi-Cal offers free or low-cost health coverage for California residents who meet eligibility requirements. Most applicants who apply through Covered California and enroll in Medi-Cal will receive care through managed health plans.

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

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.

Is Medi-Cal the same as Obamacare?

Obamacare health insurance plans are available through the Covered California insurance marketplace and Health for California. If you sign up for insurance through Covered California, you are covered by Obamacare. Since these two options are the same, you do not have to worry about choosing between the two.