Medi-Cal takes over and doesn’t allow people to get subsidized coverage with Covered CA
Medi-Cal takes control of the MAGI Income Process!
Covered CA subsidies cost more than Medi-Cal. The CBO’s latest projections from earlier this year show government paying out an average of $6,300 annually for every subsidized enrollee in fiscal 2018. It estimates that number will rise to nearly $12,500 in 2028. In contrast, Medicaid spends $4,230 per non-disabled adult, set to inflate at 5.2% annually to just over $7,000 per person in 2028. Modern Health Care 8.8.2018 *
More people might wind up in Medi-Cal, due to updates in FPL for 2015 – InsureMeKevin Blog
One solution, if you can come up with the premium, (Free Quote) would be to forgo subsidies, tax credits and get a regular private plan direct – through us with an Insurance Company, based on Special Enrollment of Loss of Minimum Essential Coverage.
Another solution – is to use the hints from InsureMeKevin.com and get Medi-Cal to change – adjust your income, so that you qualify for Covered CA.
Here’s an excerpt of an email I rec’d 1.7.2015.
Thank you for contacting Covered California™ I apologize for the delay in getting back to you.
Unfortunately, the county office Medi-Cal did an audit on this application on 1/2/2015 and they completed an income change and the income is now showing zero. The county overrides Covered CA and the clients will have to contact there local Medi-Cal office and have Medi-Cal update there correct income then you can do a Report A Change and put the income back in for this family and the application will allow you to put the insurance plan back in. If Medi-Cal does not get updated with the family correct income they will keep auditing this application and changing the income back.
You also have access to the Transaction History on the Summary page for this application and when see System that is the county auditing the application.
It is best for your clients to reach out to a county eligibility worker to correct the state and county systems. Correcting the Covered California application will only do just that, and when the county reviews their information again and the clients information does not match what is on file the state and county systems they will override the Covered California application again. Please have your clients reach out to a county eligibility worker at their earliest convenience to update all their information household members, income, tax information etc. Once the county system has been update then you can log into this application from your agent account and click on Report a Change and correct the income. If the income is above Medi-Cal limits the application will allow to choose a Covered California plan.
Covered CA unable to allow kids to opt out of Medi-Cal even when parents are willing to pay unsubsidized premium –
Carry Forward Status (CFS)
CalHEERS will automatically place all eligible and conditionally eligible APTC/CSR/CCP individuals into CFS when a redetermination of eligibility results in “eligible”, “conditionally eligible” or “pending” for MAGI Medi-Cal program eligibility. CFS is designed to ensure that the transitioning individual will continue in their Covered California QHP coverage until the resident county completes the individual’s full Medi-Cal determination. DHCS 17-07 * Cal Heers Job Aid 9.2016 * FAQ for Enrollers assisting Medi Cal Enrollment
Currently, the Soft Pause feature of SAWS protects consumers from losing MAGI-based Medi-Cal eligibility when personal circumstances change. The soft pause allows the county to run eligibility determinations for other programs while keeping the beneficiary on a MAGI aid code. This generally happens when a MAGI beneficiary becomes eligible for APTCs, premium-based Medi-Cal, or limited scope/restricted/pregnancy-related Medi-Cal, or if the beneficiary becomes ineligible for MAGI Medi-Cal.
The county worker must screen the beneficiary for Non-MAGI programs before removing the soft pause or before sending the case for APTC evaluation. If the individual is eligible for Non-MAGI Medi-Cal, the county can remove the soft pause to place the beneficiary into an appropriate aid code. The same 90-day cure period applies to restore a beneficiary to a proper non-MAGI aid code if the individual did not respond to the Non-MAGI evaluation request.
County workers have the ability to remove the soft pause directly. If an individual has been determined eligible for APTCs, the county worker can help the beneficiary complete plan enrollment in CalHEERS after removing the soft pause.
DHCS ACWDL 17-35 (October 5, 2017)
Excerpt of email from DHCA
Thank you for contacting the Department of Health Care Services (DHCS).
We are prohibited by law from sharing Protected Health Information (PHI), and Personal Confidential Information (PCI).
Please refer the consumer to the Medi-Cal Now In-Box at [email protected] and we will be happy to assist them with any Medi-Cal issues they may have.
Protected Health Information (PHI) is individually identifiable health information that describes the past, present, or future physical or mental health or the condition of an individual. PHI includes information about the health care services an individual has received or will receive and information about payment for health care services provided in the past, present, or future. Personal confidential information (PCI) is information that is not public which identifies or describes an individual including names, home addresses, home telephone numbers, Social Security Numbers, medical or employment histories, personnel records, licensing records or workers’ compensation. Thank you for allowing DHCS to serve you. Email dated 6.5.2017 10:43 AM
Try Covered CA's Facebook Page https://www.facebook.com/CoveredCA/
Stuck between Medi Cal & Covered CA
Medi-Cal vs Covered CA subsidies Modern Health Care *
Covered CA – Medi-Cal Income Chart –
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Video on why you should have an agent
Difference between Medi Cal & Covered CA
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