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:
So...is this the final word? No!
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:
Let's get started!
It all comes down to income.
The threshold for adults 19 and older for medi-cal eligibility is at 138% of the Federal Poverty level.
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 from 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 head from them daily).
So...is there any around this?
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.
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?
First, delegate the current Covered Ca account with these steps below (see our Google Reviews here - there's no cost for our assistance with 1000's of Covered Ca enrollments to date - Check out our Google Reviews here):
Send us an email at email@example.com and request which family members to be enrolled separately with no medi-cal.
We'll process out the request and send confirmation...generally within 24 hours.
A few key points to make this process smoothly.
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!
We just want to find the best fit for your needs!/p>