This table provides general information
on California's family health insurance programs. Click the following
link to download the Family
Health Insurance table in a PDF format.
|
Program |
Eligibility |
Services
Covered |
Cost
to Participate |
| Medi-Cal
for Children
California’s
Medicaid program guarantees coverage of a specified set of
benefits for all children who meet its eligibility and income
requirements. |
•
Income requirements: Up to 200% FPL for age 0 – 1; up
to 133% FPL for age 1 up to 6; up to 100% FPL for age 6 –
19.
• U.S. citizen or legal resident and a California resident.
• Undocumented and certain other immigrants may still
receive emergency and pregnancy-related services if a California
resident.
|
Comprehensive
health – including inpatient/outpatient, preventive
care, prescription drugs, lab – and dental, vision,
mental health and substance abuse services. |
No
cost. |
Healthy
Families
California’s
version of the State Children’s Health Insurance Program
(SCHIP) provides subsidized insurance for children in families
with incomes up to 250 percent of FPL and not eligible for
no-cost Medi-Cal. The program is administered at the state
level by the Managed Risk Medical Insurance Board (MRMIB). |
•
Income requirements: 200 – 250% FPL for age 0 –
1; 133 - 250% FPL for age 1 up to 6; 100% - 250% FPL for age
6 – 19.
• Not eligible for no-cost Medi-Cal.
• U.S. citizen or legal immigrant (some exceptions granted)
and a California resident.
• Without job-based coverage for 3 months prior to applying
for the program.
|
Comprehensive
health, dental, vision, mental health and substance abuse
services. |
•
$4 to $9 per month per child; maximum $27 monthly premium.
• $5 co-pay on some non-preventive services.
|
| Child
Health and Disability Prevention (CHDP)
CHDP is
administered by the state and counties and provides free services
to low-income children and youth for early detection and prevention
of disease and disability. CHDP became a gateway to Medi-Cal
and Healthy Families in July 2003 with an automated application
initiated by the CHDP provider that provides up to 60 days
full scope Medi-Cal coverage. There are no immigration requirements
for this temporary Medi-Cal benefit period. However, children
already enrolled in Medi-Cal with limited scope benefits due
to their immigration status are not eligible for temporary
full-scope coverage. |
•
Children, age 0 – 21, who have chronic and/or serious
health problems with family income under $40,000 OR out of
pocket medical expenses expected to be more than 20% of family
income
• Children who have Healthy Families or no share of
cost Medi-Cal may be eligible for CCS coverage.
• California resident.
|
Treatment
and case management services, including physician services,
hospital care, laboratory work, x-rays, rehabilitation services,
pharmaceuticals, and equipment.
|
Family may have some financial obligation; $25 processing
fee. |
| CCS
(California
Children's Services)
Administered
by the state and counties, CCS provides for medical care for
eligible, low-income children who have serious medical problems,
including acute injury and illness, genetic diseases, chronic
conditions or physical disabilities, congenital defects and
major injuries due to violence and accidents. |
Age
0-21: Children who have chronic and/or serious health problems.
Family income must be under $40,000 OR out of pocket
expenses of 20% or more of income for qualifying medical conditions.
* Children
who have Healthy Families or no share of cost Medi-Cal may
be eligible for CCS coverage.
** Child must be a California resident. |
Specialized
medical care and rehabilitation services for children who
are disabled or have a serious illness. |
Family
may have some financial obligation; $25 processing fee. |
Access
for Infants and Mothers (AIM)
Administered
by the state and counties, CCS provides health coverage to
pregnant women and their infants with family income between
200-300% FPL. |
•
Pregnant women not more than 30 weeks pregnant and their newborns
up to age two with a total family income of 200-300% FPL.
• Babies born to moms enrolled in AIM are eligible for
enrollment in Healthy Families.
• No private health insurance unless it has no maternity
coverage or maternity deductible is >$500.
• Not currently receiving coverage through no-cost Medi-Cal.
• Resident of California for six months prior to applying.
|
Prenatal
visits; hospital delivery; comprehensive health care for the
mother through 60 days after pregnancy; full health care coverage
for infant up to age 2. |
•
1.5% of total family income up to child’s 1st birthday;
$50 in child’s 2nd year (with proof of immunization).
• $50 application fee. |
| CaliforniaKids
Provides
low-cost primary health care coverage for uninsured children
2 – 18. |
•
Up to 250% FPL for age 2 - 18; up to 300% FPL for foster children
age 18-19.
• Coverage provided to income-eligible children who
do not qualify for full-scope Medi-Cal or Healthy Families,
regardless of immigration status. Families are not required
to provide social security numbers or immigration status information.
|
Preventive
and primary care services; medical office visits; dental and
vision care; prescription drugs, mental health services, and
needed lab tests. No coverage for hospitalizations or major
surgery. |
•
Monthly premiums of $25 per child
• Co-payments range from $5-$10 for each service.
|
Kaiser
Permanente Cares for Kids Child Health Plan
Provides
health care coverage for uninsured children who are not eligible
for Medi-Cal, Healthy Families, or employer coverage. |
•
Age 0-19: 250-300% FPL
• Not eligible for Medi-Cal and Healthy Families and
uninsured for at least 90 days.
• Families are not required to provide immigration status
information; social security numbers are optional on the application.
|
Preventive,
primary and specialty care, vision, prescription drugs, mental
health and substance abuse services, hospital services, lab
tests, and dental services. |
•
Monthly premiums are $8 -$15 per child, depending on family
income. Maximum of $45 per month per family.
• Co-payments of $5-$10 for most services.
|