How Medi-Cal and Medicare Work Together
Navigating health insurance can be overwhelming, especially if you’re dealing with medical conditions or financial limitations. If you qualify for both Medicare and Medi-Cal, you may be eligible for what’s called “dual eligibility” — and that can mean big savings and expanded coverage.
What Does “Dual Eligible” Mean?
If you have both Medicare (federal health insurance for people over 65 or with certain disabilities) and Medi-Cal (California’s Medicaid program), you are considered dual eligible. This combination of coverage provides more benefits and lowers your out-of-pocket expenses.
What Medicare Covers:
Medicare is divided into different parts, each designed to cover specific services:
• Part A – Hospital stays, skilled nursing care, and some home health services
• Part B – Doctor visits, outpatient care, medical supplies
• Part D – Prescription drug coverage
How Medi-Cal Helps:
Medi-Cal works as a supplement to Medicare, helping cover costs and offering additional benefits, including:
• Paying for Medicare premiums
• Covering deductibles and copayments
• Providing extra services such as:
• Dental care
• Eye exams and glasses
• Hearing aids
• In-home supportive services
• Long-term care or nursing home coverage
Lower Out-of-Pocket Costs
The biggest benefit of being dual eligible? You’ll likely pay very little or nothing for most of your healthcare services. Medi-Cal helps ensure you’re not stuck with high bills, even if you have extensive medical needs.
Get Help Today
Not sure if you qualify for Medi-Cal or need help applying? Our team specializes in disability benefits and insurance assistance. We offer free consultations, and we only get paid if we win your case.
Call us today and let’s make sure you’re getting all the benefits you deserve.