Lost Medi-Cal, Now What?

Brendan Carberry

Covered CA Certified Agent

Published Sept 22, 2023

 

If you’ve been released from Medi-Cal (California’s Medicaid program) and are seeking to sign up for health insurance after your release, this article offers a step-by-step guide to ensure you maintain coverage, understand the Special Enrollment Period (SEP) for Covered California, gather necessary documents, compare health insurance plans, and meet all legal requirements. From assessing the reason for release to noting key dates and seeking expert advice, we’ll cover everything you need to smoothly transition into new health insurance coverage.

 

Step 1: Assess the Reason for Release

Understand why you were released from Medi-Cal. Was it due to a change in income, family size, or some other factor? This will help you determine your options and eligibility for other health insurance plans.

 

Step 2: Check the Special Enrollment Period (SEP)

Being released from Medi-Cal usually qualifies you for a Special Enrollment Period (SEP) for Covered California (the state’s health insurance marketplace) or other insurance plans. You typically have 60 days from the date you lose Medi-Cal to enroll in a new plan.

 

Step 3: Gather Necessary Documents

Compile essential documents like proof of income, social security numbers for all family members, and any other documents that you’ll need to verify your identity and income.

 

Step 4: Compare Health Insurance Plans

Go to Covered California’s website or consult with certified insurance brokers to explore your options. You can compare plans based on your medical needs, your budget, and the network of healthcare providers.

 

Step 5: Seek Expert Advice

Consulting a certified insurance agent or enrolling counselor can help clarify your options. They can provide advice tailored to your situation and assist in the application process.

 

Step 6: Apply for Coverage

Once you’ve chosen a plan, go ahead and apply. You can usually do this online, over the phone, or in-person with the assistance of a certified agent.

 

Step 7: Pay the First Premium

Once your application is accepted, you’ll need to pay the first premium to activate your coverage. Ensure you continue paying your monthly premiums to keep your coverage intact.

 

Step 8: Review the Plan’s Details

After you’ve enrolled in a new health insurance plan, make sure you thoroughly understand its benefits, including the doctors you can visit, the services that are covered, and what your co-payments and deductibles will be.

 

Step 9: Inform Your Healthcare Providers

Let your healthcare providers know about your new insurance coverage. This includes primary care doctors, specialists, and any other healthcare professionals you see regularly.

 

Step 10: Note Key Dates

Mark your calendar with important dates such as when your new coverage starts, when premiums are due, and the open enrollment period for the following year.

Being proactive and knowledgeable will help you navigate this transition period more effectively. If you’re confused at any point, don’t hesitate to consult professionals or seek advice from trusted resources.

 

For More Information, here are some contacts:

 

Step 1: Assess the Reason for Release

Step 2: Check the Special Enrollment Period (SEP)

Step 3: Gather Necessary Documents

Step 4: Compare Health Insurance Plans

Step 5: Seek Expert Advice

Step 6: Apply for Coverage

Step 8: Review the Plan’s Details

Step 9: Inform Your Healthcare Providers

Step 10: Note Key Dates

General:

Embedding these links within the article can provide readers with direct access to authoritative sources for more detailed information, helping them better understand and navigate their health insurance options after leaving Medi-Cal.

 

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