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. 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.

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.