Do I Need Health Insurance?
Facts show that aside from being required to obtain coverage, many young adults don’t see the importance of having health insurance. The reality is that at some point, you will need to seek medical services. Whether it’s for regular checkups, an injury or because you are sick, you may discover peace of mind in being able to call your personal physician to schedule an appointment.
Whatever your needs, when your ups turn into downs, being able to receive necessary treatment without the stress of high cost medical bills is well worth your time to check out your options.
20% of adults without children experience a financial hardship that is medically related.
The number is even higher for couples without children. Health Plan of San Joaquin has hundreds of doctors to choose from and comprehensive benefits including: .
- Preventive and wellness services
- Treatment for behavioral health and substance use disorders
- Emergency care
But how much does it cost?
A regular office visit may cost over $100. For Medi-Cal members, since there are no out-of-pocket costs for any services, it would be FREE.
Where can I get Help!
What is the easiest way to see if you qualify? Call 1.888.448.4150 between 8:00 am and 7:00 pm. * Income and certain eligibility requirements must be met.
Medi-Cal services were expanded beginning January, 2014.
What you may not know is that many people will now qualify for Medi-Cal- over 7 million people throughout California to be exact.
Single adults and married couples without children, ages 19-64, with income at or below 138% of the federal poverty level who are citizens or legal U.S. residents for 5 or more years. Within the specific income levels, the asset test is no longer included. This means that enrollees, who own assets that previously would disqualify them from being covered, may now be eligible.
For example, if you are single adult with an annual income of $15,856 or lower or a married couple with an annual income of $21,404 or lower, you may now be eligible!
How much will it cost annually to pay for Medi-Cal?
For Medi-Cal members, since there are no out-of-pocket costs for any services, there is no cost if you qualify.
What is the application process?
HPSJ’s enrollment team will assist you with an application or find someone in your area to help you. The application takes about 45 days to process if eligible, your Medi-Cal benefits may be effective as many as three months back!
Am I already eligible for the program?
Some individuals are considered presumptively eligible—meaning that they have been granted immediate, short-tem Medi-Cal coverage to receive services while they complete the application process for the Medi-Cal program. Medi-Cal Expansion provides coverage for a greater number of people who have never qualified before—people who have higher income and less qualifiers, such as children..
What are the benefits?
Medi-Cal Managed Care Plans like Health Plan of San Joaquin provide a comprehensive package of benefits called “essential health benefits”, including substance use treatment, behavioral health services, emergency care and preventive/routine services. This levels the playing field in terms of coverage, and it’s FREE to those who qualify..
Medi-Cal Expansion Benefits
- Ambulatory patient care
- Maternity and newborn care
- Mental health and substance abuse disorder treatment
- Prescription drugs
- Rehabilitation and habilitation services and devices
- Lab services
- Preventive and wellness services and chronic disease support
- Children’s services, including dental and vision care