Getting Medi-Cal Insurance for My California Family
Low-income California families who need help finding affordable health insurance may qualify for Medi-Cal, California’s version of Medicaid. Medi-Cal offers a wide variety of medical services for families, including adults, children and seniors. If your income is within the Medi-Cal limits for your family size, you will be eligible to receive Medi-Cal coverage at no cost to you. Freeway Insurance agents can help walk you through finding affordable healthcare.
To simplify the process, Freeway Insurance has partnered with Covered California to help provide their customers with the best health insurance quotes available in California and make obtaining low-cost or no-cost health insurance as easy as possible. Plus, Freeway’s services are absolutely 100% free.
How Do You Apply for Medi-Cal for Your Family?
Everyone who puts in an application for Covered California, California’s health insurance marketplace, is automatically reviewed for Medi-Cal eligibility. Health insurance is mandatory in California. You can be assessed a tax penalty if you do not get health coverage.
Even though Covered California has special times of the year when enrollment is open, enrollment for Medi-Cal is open year round.
Does Medi-Cal Cover Everyone in My Family?
Medi-Cal will often cover every member of a family, but that depends on a family’s household size and income. This could mean that some family members may be able to receive Medi-Cal coverage, while others would not. For those who would not, they can obtain their health coverage through Covered California.
The information you provide on your application will be used to determine how each member of your family will receive health care coverage.
What Benefits Does My Family Get With Medi-Cal?
All Medi-Cal health insurance plans offer 10 comprehensive services known as “essential health benefits,” which include:
- Outpatient (ambulatory) services (Doctor visits)
- Emergency services
- Maternity and newborn care
- Mental health and substance use disorder services, including behavioral health treatment
- Prescription drugs
- Programs such as physical and occupational therapy (known as rehabilitative and habilitative services) and devices
- Laboratory services
- Preventive and wellness services and chronic disease management
- Children’s services, including immunization, oral and vision care
Applying My Family for Medi-Cal and Covered California
Aside from Medi-Cal, California residents have access to Covered California. Covered California is open to all lawfully-present California residents and offers a variety of health insurance packages to meet income levels across the board. Those who qualify may receive a stipend to help pay for their health insurance through Covered California. When you apply for Covered California, you are automatically reviewed for Medi-Cal. Medi-Cal may offer you free health insurance. Our health agents at Freeway Insurance can help you and your family apply for health insurance.
Find Affordable Health Insurance for Families in California Online Today!
Let Freeway Insurance guide you through the confusion with the same exceptional support, expert guidance and low prices existing auto insurance customers have experienced since 1987. Get started today to find the health insurance that’s right for you.
Call Freeway Insurance at 800-777-5620 to speak to one of our friendly health professionals and get started today to find the health insurance that’s right for you. Or you can fill out a free health care quote form to find out your cost.
FAQs About Medi-Cal for Families
Can an Undocumented Family Member Receive Medi-Cal?
Yes. It may be possible for a family member to qualify for health insurance for undocumented immigrants through Medi-Cal even if they are not a U.S. citizen or a U.S. national.
An immigrant who meets all other eligibility requirements, but does not possess a satisfactory immigration status for full-scope Medi-Cal may still be entitled to receive emergency, pregnancy-related services, and state-funded long-term care, if and when needed.
Can Family Members Have Other Health Plans In Addition to Medi-Cal?
Yes. But, Other Health Coverage (OHC) is limited by strict guidelines. For instance, a child applying independently for Medi-Cal would be in a separate Medi-Cal Family Budget Unit (MFBU) from his custodial parent or guardian.
Because federal law prohibits the Medi-Cal health insurance program from paying for services that are covered by the beneficiary’s health insurance or health plan, typically, providers must bill the appropriate carrier before billing Medi-Cal.
This would apply if the custodial parent with whom the child lives has Medi-Cal, while the non-custodial parent has private insurance. The private carrier would need to be billed first, since Medi-Cal is not obligated to pay for services that are available through the PHP/HMO plan of the other parent.
Is there an Income Limit?
Yes. Qualifying for No-Cost Medi-Cal health insurance is based on your monthly income after allowances for childcare and working expenses.
To be eligible, your net family’s monthly income after childcare and working expenses must be at or below the limit specified for the size of your family.