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.
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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.