Requirements to Apply for Medi-Cal Insurance

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Medi-Cal Insurance is an insurance program run by the state of California in operation since 1966. This public health program is aimed at serving low-income individuals. It is also designed to help families that have special issues such as physical or mental disabilities. Whether or not you can apply to the program depends on your personal or family income as well as other qualifications.

General Requirements

Medi-Cal Applicants are required to fall into one of several specific categories. Applicants must be either: 65 years or older, under 21, disabled, blind, pregnant or in a skilled nursing or intermediate care home. Medi-Cal is also available for a parent or caretaker relative of a child under 21, if the child's parent is deceased or doesn't live with the child; the child's parent is incapacitated; or the child's parent is underemployed or unemployed.

Pre-Existing Condition Requirements

Those with some an existing illness are also eligible to qualify for Medi-Cal plan under specific plans. If a woman is pregnant, Medi-Cal insurance will provide immediate assistance to confirm the pregnancy, after which the woman immediately becomes eligible. A person with a physical handicap can also qualify as long as the handicap is documented. Under Medi-Cal, a person undergoing dialysis or feeding tube service is also eligible. A person with tuberculosis is also eligible. Those with breast cancer or cervical cancer and income under 200 percent of the poverty limit can also qualify.

Eligibility Based on Other Programs

If you are involved in or eligible forCalWorks Aid to Families with Dependent Children (AFDC); Supplemental Security Income/Statutory Sick Pay (SSI/SSP); Refugee Assistance; In-Home Supportive Services (IHSS); Adoption Assistance Program and Foster Care, you automatically meet the requirements to apply for Medi-Cal.

Income Requirements

The income requirements vary depending on family size. Generally, as of 2010, you are restricted to having only $2000 of assets ($3000 if you are a couple) in order to qualify. Your monthly income must also fall below a certain level, which varies depending on your age, income and health condition. Generally, monthly income maximums range from $1133 per month if you are single to $1525 per month as a couple.