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Government Sponsored Resources for Health Insurance California

Many times it may be difficult for any individual to obtain insurance in the private market because of pre-existing health insurance conditions or there could be other financial reasons. Cost of health care in this country is on the rise for the last decade. Matrix Insurance Agency is fully equipped to help our clients with the health insurance plans. If we cannot find help you find health insurance in private market then we can help you navigate through many government sponsored health insurance plans.

Access for Infants and Mothers:

Program designed for low to middle income pregnant women on high deductible health plans. You have a baby on the way! The State of California wants to help you get good health care during your pregnancy, even if money is a little tight. Going without prenatal care can cause any problems for you and your baby. Studies show that women who do not get prenatal care often have more complicated (and expensive) births. If you don’t have insurance to cover your pregnancy and are not receiving no-cost Medi-Cal or Medicare Part A and Part B, the Access for Infants and Mothers (AIM) Program may be just the helping hand you and your baby need. AIM can also help you if you have private health insurance plan with a maternity-only deductible or copayment greater than $500. Check with your private health insurance plan to see if your deductible or copayment is for maternity-only services.

To get more info visit: http://www.aim.ca.gov/Home/default.aspx

Medi-CAL or MediCAL

Medi-CAL is basically a CA Medical Assistance Program. It’s the Medicaid assistance program that serves low-income families, seniors, person with disabilities, children in foster care homes, pregnant women and certain low-income adults. Each county runs its own program and its best to contact the social services offices of that county to see if you can qualify for Medi-CAL.
Beginning in 2014 under the Patient Protect and Affordable Care Act (PPACA), informally referred to as ObamaCare, those with family incomes up to 133% of the federal poverty level will become eligible for Medi-CAl), and individuals with higher incomes and some small businesses may choose a plan in the new CA Health Insurance Benefit Exchange with potential federal subsidies. Medi-CAL is a big part of the total budget spending in the state of CA.

To get more info visit: http://www.medi-cal.ca.gov/

Healthy Families

Healthy families is basically a state sponsored low-cost health insurance program for children, teens and pregnant mothers. They have limited number of spots available for children in need of health insurance and it’s done on first come first serve basis.

Children in Healthy Families must live in California and:

  • Be age 18 or younger.
  • Not be eligible for no-cost Medi-Cal.
  • Children in families with incomes within the Healthy Families Guidelines.
  • Live in families without health insurance from an employer for the past three months.
  • Meet citizenship or immigration requirements.

Once you submit an application for Healthy families. They will let you know within 10 days if your application is complete and accepted.

To get more info visit: http://www.healthyfamilies.ca.gov/Home/default.aspx

Pre-existing Condition Insurance Plan (PCIP)

PCIP is California’s temporary federal risk program for health insurance. The main goal of the PCIP is to provide insurance to the people who have pre-existing conditions but they have some strict guidelines for people to be eligible.

To get more info visit: https://www.pcip.gov/ (This program has been discontinued temporarily by the government)

Major Risk Medical Insurance Program (MRMIP)

MRMIP stands for Major Risk Medical Insurance Program. This is California’s insurance program for people with serious health problems /pre-existing conditions who are not able to buy individual health insurance. Californians qualifying for the program participate in the cost of their coverage by paying premiums. The State of California supplements those premiums to cover the cost of care in MRMIP. Tobacco tax funds currently subsidize the MRMIP.

Qualifications:

  • California resident.
  • Cannot be eligible for both Part A and Part B of Medicare, unless eligible solely because of end-stage renal disease.
  • Cannot be eligible to purchase any health insurance for continuation of benefits under Cobra or CalCobra
  • Unable to secure adequate coverage

Because of funding limitations, MRMIP does sometimes have a waiting list.
To get more info visit: http://www.mrmib.ca.gov/