Questions to Ask About Medical Health Insurance

Medi Cal is the program set up by the California Health Insurance Pool (CHIP). Medi Cal is a program that offers medical insurance to families and individuals who want to get health insurance through a policy that offers low premiums. If you are among the many people in California who don't have health insurance, then you will want to look into Medi Cal. This article will explain what Medi Cal is, how it works, and why it's important for everyone in California. After reading this article, you should be able to decide if Medi Cal is right for you.

What is Medi Cal? Medi Cal is a program that offers low-cost health insurance to qualified individuals and families who need it. To qualify for Medi Cal, you must be 18 years of age or older and a citizen of the United States. To find out if you qualify for Medi Cal insurance, you will need your current address, contact information, social security number, and income information. Once you know these requirements, you can apply for a Medical card from the website or a toll-free phone call.

How does Medical work? When you apply for a Medical card, you will need to pay a fee to apply. The Medi Cal companies offer low premiums for this type of coverage because they understand that many people who are uninsured or under-insured when it comes to their health coverage choose to go with Medi Cal when they can. This is because Medi Cal offers low premiums on the most comprehensive plans available. For this reason, people who have had surgery or have serious medical conditions are great candidates for Medi Cal.

Who is eligible for Medi Cal? As mentioned above, Medi Cal offers low premiums to anyone who can get coverage. However, Medi Cal also offers coverage for members of the military who have certain qualifications such as a low BMI or who are elderly. Even if you are self-employed, you may qualify for Medi Cal if you meet certain requirements.

What types of procedures does Medi Cal cover? There are several kinds of surgical operations that are covered under the Medi Cal policies. If you have had some type of weight loss surgery in the past, you may be able to continue receiving coverage despite your current BMI. To check eligibility, you will need to contact the provider. Some of the surgical procedures that are generally covered are gastric bypass surgery, bariatric surgery, gastric bypass surgery combined with other procedures, and hip or knee replacement surgery.

Can I get coverage for a gastric bypass or bariatric surgery under my Medi Cal policy? Yes, you can. Your Medi Cal policy may provide coverage for surgeries like this. However, it is important to note that these are weight loss surgeries. You will likely need to pay out of pocket expenses for the surgery unless you have a health insurance policy that provides coverage for weight-loss procedures.

If I lose a large amount of weight, do I still have to pay for the procedure? Depending on your health and your BMI, you may not have to pay for your surgery. For instance, if you are extremely obese, you may qualify for emergency weight loss assistance. Under certain circumstances, your doctor may approve your request for emergency assistance. Your doctor may also allow you to pay for your surgery at a later date once your BMI has decreased to a level that allows Medi Cal to cover you.

Does Medi Cal also covers the cost of extended hospital stays? It may pay for extended care after a hospital stay. However, the costs of extended care may depend on the type of hospital stay you are granted. Be sure to check Medi Cal's policy before signing your coverage agreement. This way you will be fully aware of the costs that are associated with your plan.