California health insurance  - i don't want medi-cal for my kids or myself

 

how to avoid medi-cal in covered ca

 

 

First, there's a way to do the same process below for adults who don't want medi-cal but we'll focus here on children under age 19.

 

We see it quite often.

 

The adults get Covered California and the kids under age 19 get medi-cal.

 

Sometimes, this is the desired result but many times, it isn't for a variety of reasons including:

 

• Children's doctors don't work with medi-cal
• Medi-cal is impacted locally
• Parents want one carrier and plan for whole family

 

So...is this the final word?  No!

 

First our crendentials:

 

There is a way to get the Covered California plans with tax credits for the adults and a separate standard plan for the children being offered medi-cal.

 

We'll cover the process and considerations along these lines:

 

• Why are kids being offered medi-cal if adults are getting Covered Ca plans?
• Can we get Covered Ca plans for kids eligible for medi-cal?
• How to enroll kids in Covered Ca without medi-cal
• Key notes on separate account for kids

 

Let's get started!  There's a much deeper video guide at the bottom too.

 

Why are kids being offered medi-cal if adults are getting Covered Ca plans?

It all comes down to income.

 

The level for children is 266%!

 

This can lead to "split households" where adults are offered Covered Ca with tax credits and even richer versions of the silver plan (depending on income) while the children under age 19 are offered medi-cal.

 

It can be very frustrating for families.

 

Ultimately, California thought it was helping families with this expanded child income threshold but that's not how it's viewed by many families (we hear from them daily).

 

So...is there any way around this?

 

 Yes.

 

Can we get Covered Ca plans for kids eligible for medi-cal?

As certified Covered Ca agents (no cost for our assistance), we can help with the whole process (it's not fun otherwise).

 

Essentially, we create a separate account with at least one adult as the primary and then enroll in such a way that the system doesn't look at income.  It has to be done a certain way but we do it every week!

 

This allows children under 19 to get the standard plans.  One note...we can't get a tax credit if a child is eligible for medi-cal or enrolling this way.

 

For some families, this doesn't matter because they really want to keep their children's doctors and operate outside of medi-cal.

 

So...what's the easiest way to get this done?

 

How to enroll kids in Covered Ca without medi-cal

First, delegate the current Covered Ca account with these steps below (there's no cost for our assistance with 1000's of Covered Ca enrollments to date):

 

• Login to Covered Ca here
• Click on "Question Mark" image up top; then "Local Help"; then "Agent"
• Search for last name "Jarvis" and "93923" zip.  Select Goodacre Insurance Services

• Answer questions and designate as agent!   It takes seconds!

 

Send us an email at help@calhealth.net and request which family members to be enrolled separately with no medi-cal.

 

That's it!

 

We'll process out the request and send confirmation...generally within 24 hours.

 

A few key points to make this process smooth.

 

Key notes on separate account for kids

• We only need one adult on the account but that person will not be enrolled (since they already have coverage under the primary account)
• There is no tax credit available if we enroll children this way. You can run quotes here (don't put in income info) or we can quote for you with dates of birth and zip code.
• We cannot get the enhanced silver options (73, 87, or 94). Silver 70 is the only option available at that level but bronze, gold, and platinum are also available.
• You will likely have medi-cal through the primary account AND the stand-alone health plan for children. Medi-cal will not "unhook" enrollment unless income goes above the threshold. You can request current income chart at help@calhealth.net
• Open enrollment and special enrollment trigger requirements will apply so check with us on ability to create new account
  Make sure providers have new insurance info for claims

 

We have enrolled 100's of children in stand-alone plans this way and look forward to helping you.

 

You can always cancel the stand-alone plan month to month if you choose to.

 

We're happy to help with any questions!

 

Call 800-320-6269
Email:  help@calhealth.net
Pick a time to talk here
Chat online here  

We just want to find the best fit for your needs!

 

For a much deeper dive on this: