California Health Services
There are affordable insurance plans in California to residents who meet the eligibility requirements. There are two main California health care programs specially designed to provide necessary health care services for low-income individuals and families with children, disabled persons, seniors, pregnant women, foster care household members and people suffering from disease such as HIV/AIDS, tuberculosis and breast cancer. The two programs are Medicaid insurance and Medicare insurance, each of which are funded by the state and federal government. Medicaid is specifically for low-income families and individuals, while Medicare is for seniors. The Affordable Care Act (ACA) is a federal statute designed to reduce the number of Americas without health insurance. It allocates the rules under which Medicaid and Medicare are applied and protects people who use these forms of low cost health insurance in California, ensuring that they obtain fair and equal treatment from the health insurance companies that participate as providers of these healthcare plans. Continue reading to find out more about the provisions and rules of the ACA, Medicaid and Medicare insurances and which California residents are eligible for these programs.
To learn more about California health care services, download our comprehensive guide.
California’s Medicaid insurance program is called Medi-Cal. The Affordable Care Act ensures that this California health care program provides a number of core health benefits including emergency services, doctor visits, pregnancy-related services, hospital care, prescription medications, physical and occupational therapy as well as chronic disease management.
California health care services extend to cover mental health and substance abuse services such as mental health evaluations, individual and group therapy, voluntary inpatient detoxification and outpatient laboratory as well as drugs, supplies and supplements. Additionally, Medi-Cal has a vision care program to cover services needed for seeing properly.
Since May 2014, Medicaid insurance also covers dental care for adults older than 21 years of age. Denti-Cal covers treatments such as examinations, cleanings, x-rays, tooth extractions, prosthetic appliances, full sets of dentures, root canals on the front teeth, emergency services for pain control and orthodontic treatments for children who qualify.
Residents can find out more about this type of low cost California insurance by clicking here.
Medicare is a type of low cost insurance in California designed for seniors 65 years of age and older, disabled persons and people with permanent kidney failure who need either dialysis or transplant surgery. Medicare health insurance is available in four parts, each offering different coverage. Based on the health care services in California that the participant needs, qualified residents can select the plan or combination of plans that work best for their needs. Medicare health insurance includes:
- Medicare Part A, which covers stays in hospital, treatment in skilled nursing facilities and some types of home health care.
- Medicare Part B, which covers preventative services, outpatient care, some doctors’ services and some medical supplies.
- Medicare Part C, which is an advantage health plan that combines Part A and B and includes special plans such as private fee-for-service, special needs, heath savings accounts and preferred provider organizations.
- Medicare Part D, which adds prescription drug coverage to the above plans.
The eligibility requirements for Medicare insurance are contingent on personal factors of the applicants including age and health status. In some cases, residents are automatically enrolled in the California health care program while others must apply during a certain time. Those who fail to register during their enrollment period may be subject to late penalties. Download our California guide for more information about enjoying the benefits of Medicare in California.
The Affordable Care Act
The Affordable Care Act(ACA),nicknamed Obamacare, made several changes to health insurance coverage in the country. In addition to increasing the availability of affordable insurance plans in California, the ACA ensures that residents have adequate coverage and access to heath care programs. Some of these provisions influenced California health care services offered to certain members of the community, including:
- Pre-Existing Conditions: Under the Affordable Care Act, residents cannot be refused health care or charged more because of a pre-existing health condition
- Young Adult Coverage: If parents’ current health plan covers children, then parents can keep or add children to the insurance policy until they reach 26 years of age, even if the children are attending school, not living with parents, married or not financially dependent
- Cancellation and Appeals: According to the Affordable Care Act rules, health insurance companies can no longer cancel healthcare plans simply because policy holders made a genuine mistake when filling out applications
- Lifetime and Annual Limits: Affordable Care Act rules prohibit health insurance companies from putting annual or lifetime monetary limits on most healthcare benefits receive
- Preventive Care: Under Affordable Care Act rules, participants may be eligible for some preventative care services at no extra charge, such as cholesterol, blood pressure and diabetes tests, mammograms and colon cancer screening, flu and pneumonia shots, counseling, screening and vaccinations to assist with a healthy pregnancy, well-baby and well-child clinic visits and routine vaccinations against disease.
To learn more about affordable insurance plans in California, download our comprehensive guide.
What Are the Available Health Services in California?
Low-cost, and even free health benefits are available to a large number of California residents, with some being offered to low-income applicants and others being offered to elderly or disabled individuals. However, before you can access these health services, you need to submit the appropriate application and prove that you meet the necessary qualifications. To learn all about the different health benefits you can receive in California and the application procedures that you must undergo to obtain these benefits, download our free comprehensive guide.
Who Is Eligible to Obtain California Health Benefits?
California’s health programs have various eligibility requirements that applicants must meet in order to successfully enroll. Income, age and other factors are all taken into consideration in the eligibility verification process. Find out which health benefits you qualify for here.