Calculate Share of Cost → Select Premium → Request Verification

Use the calculator to find the monthly premium that may reduce your Medi-Cal Share of Cost to $0.

• 1. Calculate
  • Enter the person’s gross monthly income, Medicare Part B premium and any other health-insurance premiums already being paid. Then select Calculate.
• 2. Select Premium
  • Use the green amount labeled “Amount needed in premiums to reach $0 Share of Cost.” That is the number to compare with the premium choices below.
• 3. Request Verification
  • Before applying, send Steve the calculator results and the Share of Cost shown on your county Notice of Action.
    • Better yet, send a copy of the county Notice of Action
  • Steve can review the proposed premium amount and explain what proof may need to be submitted to Medi-Cal.

Which Calculator Number Should You Use?

The calculator may show two very different numbers. They answer two different questions.

• The green number — “Amount needed in premiums to reach $0 Share of Cost”
  • Use this number when reviewing the insurance-premium choices below. It estimates the additional monthly premium that may reduce countable income to the applicable ABD-FPL limit.
• The blue number — “Estimated monthly Share of Cost”
  • This estimates the traditional Medically Needy Share of Cost calculation. A person whose countable income is within the ABD-FPL limit may qualify for $0 Share of Cost even though this larger traditional calculation is also displayed.

Important: Do not purchase insurance based solely on the blue Share of Cost number. Compare the premium choices with the green amount, and request verification before applying.

Step 3 — Request Verification From Steve

Before applying, send Steve enough information to compare the calculator result with your county paperwork and the available premium choices.

Please include:

• The green “Amount needed in premiums to reach $0 Share of Cost.”
• The monthly Share of Cost shown on your county Notice of Action.
• Your county and ZIP code.
• Whether you have Medicare Parts A and B.
• Your Medicare Part B premium and any other insurance premiums you already pay.
• Whether the issue concerns future months, previous months or both.
• A copy of the relevant county Notice of Action, when available.
• Center for Health Care Rights – How to eliminate Share of Cost  

For your protection: Do not email your Social Security number, bank-account number or credit-card information.

Email Steve for Share of Cost Verification

Email is the best way to reach Steve.

Estimate First — County Verification Controls

This calculator provides an estimate for educational and planning purposes. Medi-Cal eligibility can be affected by household size, earned versus unearned income, spousal rules, allowable deductions, program category and information in the county case file. The county Medi-Cal eligibility worker makes the final determination and should issue a written Notice of Action.