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Medicare & Medi-Cal

You can be on both Medicare and Medi-Cal (Medicaid).
Here are some things to consider.

Am I Full Dual Eligible?
Many people are enrolled in both Medicare and Medi-Cal, this is known as being “dual eligible”. Qualification for “full dual eligibility” varies by state. You have to fall under certain economic guidelines to qualify. One way check your qualification is to go to your local Social Security office and apply for Supplemental Security Income (SSI). If you qualify for SSI you will automatically qualify for Medi-Cal and will be sent a Benefits Identification Card (BIC). If you do not qualify for SSI you might still qualify for Medi-Cal, either on a full dual or share of cost basis. Contact your county Medi-Cal office for more information.

Why Should I Apply?
Using Medicare and Medi-Cal together will help cover cost so long as you go to providers that accept both. Medi-Cal might also provide additional services such as dental services (Denti-Cal), some over the counter drugs, and vitamins and minerals. Medicare will become your primary insurer, with Medi-Cal being your secondary insurer. Your Part B premium for Medicare may also be covered by Medi-Cal.

To find out if you qualify for full dual Medi-Cal, look at your total countable assets. You may have up to $2,000 in assets as an individual or $3,000 in assets as a couple. Some of your personal assets are not considered when determining whether you qualify for Medi-Cal coverage. For example, assets that do not count are:

  • Your primary home
  • One vehicle
  • Household goods and personal belongings
  • Life-insurance policy with a face value of $1,500 per person
  • Prepaid burial plan (unlimited if irrevocable or up to $1,500 if revocable) and burial plot

Your monthly income will also be used to determine if you qualify for assistance and if the assistance will be full dual, or if you will have a cost share.

I Need to Know More
Hi-Cap (the Health Insurance Counseling and Advocacy Program) is a non-profit organization that will provide free and objective information about Medicare, Medi-Cal, and Medicare plans. They have county offices that you can call or visit, or can be reached at (800) 434-0222. Phone shy? You can go online to https://cahealthadvocates.org/hicap/ for more information today.

If you’re looking to put together your healthcare plan, call Jim at (714) 418-4040 or click here to schedule a consultation online.

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