Medi Cal qualification for Pregnant Women

MCAP is available for pregnant women who don’t have Medi-Cal and have a family income up to 322% of Federal Poverty Level.   See Income Chart 

Any woman who thinks she is pregnant and whose family income is under a certain amount is eligible for Medi-Cal Presumptive Eligibility (PE) for Pregnant Women. However, she must seek this care through a participating provider and they will determine if you are eligible for this program. Ask your provider if he/she offers this coverage and how to apply. ^{Medi-Cal Presumptive Eligibility}

Medi-Cal offers year around enrollment.  Medi-Cal doesn’t compensate us to help you, so if you have other family household members who need coverage,  we can help you enroll in Covered CA – (get a complementary quote, subsidy and benefits calculation) and MCAP.

If you only want MCAP just contact Medi-Cal directly.

Learn More==>

• Covered CA Pregnancy Quick Sheet
  • Covered CA Webpage
• MCAP Website
• Western Law & Poverty Center
• Medi-Cal Explained Fact Sheet: Maternity Care (PDF)
• Medi-Cal Explained Fact Sheet: Paying for Maternity Services (PDF)
• Innovation Landscape: Maternity Care in Medi-Cal
• Insure Me Kevin.com *
• CA Health Line 4.18.2016
• CA State Disability Insurance

Covered CA will now offer full Medi-Cal to pregnant women per SB 857 , even if they don’t want Medi-Cal, but answer yes to being pregnant in the Covered CA application.

Husbands, boyfriends and children can get coverage through Covered CA or Direct.  Get a quote.  No extra charge for us to help you.

Medi Cal & MCAP Maternity Coverage

See Covered CA Job Aid for more detail & explanation

See the income levels and Federal Poverty FPL chart

Medi Cal
Breast & #Cervical Cancer Program

The  Breast and Cervical Cancer Treatment Program (BCCTP)  provides cancer treatment and services for eligible low-income California residents 200% of FPL – Federal Poverty Level rather than standard 138%  View FPL Chart,

To qualify you must be screened by the  Cancer Detection Program:

• Every Woman Counts (CDP:EWC) or
• Family Planning, Access, Care and Treatment (Family PACT)

program and found to be in need of treatment for breast and/or cervical cancer.

Learn More ==>

• Medi-Cal Website *
• Medicare Preventative Care
• Health Care Reform – Preventive Care
• Western Poverty Center
• Q & A on what Metal Level Plan has the “best”  **   coverage for Breast Cancer?

The Women’s Health and Cancer Rights Act (#WHCRA)

This law provides important protections if you want  breast reconstruction after your  mastectomy.

Group health plans, insurance companies and health maintenance organizations (HMOs) must provide coverage for reconstructive surgery after mastectomy for breast cancer and prohibits “drive through” mastectomies, where breast cancer patient’s hospital stays were limited by their carriers. The required coverage includes all stages of reconstruction of the breast on which the mastectomy was performed, surgery and reconstruction of the other breast to produce a symmetrical appearance, prostheses and treatment of physical complications of the mastectomy, including lymphedema. ^Wikipedia *

WHCRA amended the Employee Retirement Income Security Act of 1974 (ERISA) and the Public Health Service Act (PHS Act) and is administered by the Departments of Labor and Health and Human Services

In 2003, the FDA approved a screening test for Human Papillomavirus (HPV).

Consumer Links

Our Comments Section on another page about costs & coverage for breast cancer 

FAQ’s (DOL Website)

Wikipedia

(Findlaw.com) FAQ’s

How Medicare covers mammograms.

• The Women’s Health and Cancer Rights Act (WHCRA) ***  Rights after a Mastectomy

Technical & Research Links

§ 1185b Required coverage for reconstructive surgery following mastectomies

Cornel Law Website

Code on Plastic Surgery.com

SB 1245
Section §10123.18 of the Insurance Code

Help with short-term housing near the cancer treatment center

Sometimes cancer treatment is given far from home. Many treatment centers have short-term housing centers or discount programs set up with nearby motels and hotels. The clinic social worker or oncology nurse might know about low-cost housing during hospital or clinic treatment.

The American Cancer Society Hope Lodge® program can offer families a free place to stay when cancer treatment is given far from home. Contact us to find out if there’s a Hope Lodge location near your treatment center.

Another option for adults or children with cancer is the Healthcare Hospitality Network. This group of nearly 200 non-profit organizations throughout the US provides free or low-cost family-centered lodging to families getting medical treatment far from home. You can call 1-800-542-9730 or check online at hh network.org to see if there’s a location that works for you.

Many treatment centers also have other short-term housing possibilities or discount arrangements with nearby motels and hotels. The clinic social worker or oncology nurse may have ideas for low-cost housing during hospital or clinic treatment.

People who have Medicaid may be entitled to help with travel to medical centers and doctors’ offices for cancer treatment. This may take the form of payment or being paid back (reimbursed) for gas, payment of bus fare, or may mean using a vanpool. County departments of social services in each state arrange for help with transportation, but families must ask for it by talking to their Medicaid case worker.

Cancer.org

scripps.org/out-of-town-patients

ucla health.org/tiverton/

ucla health.org/Financial_Assistance_Form

Group Employer Plans

Maternity coverage is mandatory on GROUP and INDIVIDUAL policies beginning in July 2012 in CA^{(Siders [1], “Capitol Alert,” Sacramento Bee, 10/6). californiahealthline.org  SB 222 AB 210  Insurance Code 10123.865}

Maternity in most cases can’t be excluded  as a  Preexisting Condition   in a Group policy.  Nor can a newborn who has applied for coverage … within 30 days of birth; or  A child who is adopted … within the 30 days.   ^{Insurance Code §10708 d3      26 U.S.C.A. section  §9801(d)3;    Cal. Health and Safety Code section  §1357.51  g 3}  

Federal & State Family Leave Act

Guaranteed Coverage for  Employer Group of 2

No individual or group policy of health insurance that is issued, amended, renewed, or delivered on or after July 1, 2003, that provides maternity coverage shall contain a copayment or deductible for inpatient hospital maternity services that exceeds the most common amount of the copayment or deductible contained in the policy for inpatient services provided for other covered medical conditions or contain a copayment or deductible for ambulatory care maternity services that exceeds the most common amount of the copayment or deductible contained in the policy for ambulatory care services provided for other covered medical conditions.  ^{CA Insurance Code 10119.5.  (a) SB  1411 2002}

The Newborns’ and Mothers’ Health Protection Act of 1996 new protections for mothers and their newborn children with regard to the length of the hospital stay following childbirth  ^{Q & A Page 31} CA Health & Safety Code § 1367.69(a)…obstetrician gynecologists- must be eligible as primary care physicians (PCP) – that means you can schedule an appointment with your OB/GYN without going to your PCP first, in the same Medical Group/IPA.  Provider Finder Standards relating to benefits for mothers and newborns ^{IRS Code § 9811.}

Do you need health_insurance_order information?

SDI

Historical Information

Medi-Cal  With Health Care Reform, this page is pretty much out of date.  Click here for GUARANTEED issue quotes and subsidies.

California AIM (Access for Infants and Mothers)  provides coverage for women who are already pregnant and need maternity insurance coverage. You can apply up to the 30th week. Even if you have other Health Insurance, as long as it has a deductible or Co Pay of at least $500^{.CA Insurance Code 12695 et seq.} AIM Program Handbook: 50 pages and includes the five-page Application. Be sure to put in our Agent’s Information How much is the Premium? aim.ca.gov/Costs/ embrace a child.org/

ACCESS FOR INFANTS AND MOTHERS GENERAL PROVISIONS AND DEFINITIONS

General ……………………………….. 12695-12695.24

POWERS AND DUTIES OF THE BOARD Administration …………………………. 12696-12696.20

Advisory Panel ……………………………….. 12696.5

PARTICIPATING HEALTH PLANS ……………… 12696.7-12697.15

SUBSCRIBER ELIGIBILITY AND ENROLLMENT

Eligibility and Coverage ………………… 12698-12698.35

Unfair Competition and Labor Practices …. 12698.50-12698.56

PERINATAL INSURANCE FUND …………………. 12699-12699.05

OPERATION OF PROGRAM 10123.865.  (a) Commencing no later than July 1, 2012, every Including Grandfathered plans ^{Per Blue Cross email dated 4.19.2012} individual health insurance policy shall provide coverage for maternity services for all insured’s covered under the policy. (b) For purposes of this section, “maternity services” include prenatal care, ambulatory care maternity services, involuntary complications of pregnancy, neonatal care, and inpatient hospital maternity care, including labor and delivery and postpartum care.

This definition of “maternity services” shall remain in effect until such time as federal regulations and guidance issued pursuant to the federal Patient Protection and Affordable Care Act (Public Law 111-148) aka Obamacare define the scope of benefits to be provided under the maternity benefit requirement of that act, after which time the definition of that term under the federal act and associated regulations and guidance shall apply for purposes of this section. Bookmarks

CA all policies must include maternity