HEALTHCARE INSURANCES? READ THIS:
you have more than one insurance policy, it can be
complicated. For example, if you have Medi-Cal and another healthcare policy with some other insurance
company, you need to understand how they interact. Medi-Cal
regards itself as the secondary insurance policy, the safety net
and insurance of last resort. Medi-Cal requires that all the
deductibles and co-pays of the "other" insurance must
be paid first and there are literally hundreds of policies and
coordination of benefits through other companies. While it might
seem like a good deal for you to have both insurances, it might
not be. Let us explain.
If you have
Medicare and Medi-Cal, not every psychologist or other licensed
mental healthcare provider, accepts your particular combination.
For example, we do not accept Medicare and Medi-Cal, the
so-called Medi-Medi combination because we do not accept
Medicare. Medi-Cal requires a healthcare provider to bill
Medicare first and then Medi-Cal will pay anything not paid by
Medicare. Thatís their rules, not ours.
If you have
Kaiser or Anthem Blue shield, Blue Cross, etc. there may be a
large deductible (e.g. $1000 or $2000) you must first meet before Medi-Cal
will pay anything on your behalf. Itís their rule.
It is your
responsibility to call your "other insurance company"
to find out the details of your coverage and the coordination of
benefits between your policies. Medi-Cal cannot tell you the
specifics of your other policy and we cannot start services
without a clear path forward of how we will be paid.
You may decide
that you want to drop your other policy, but please understand
that we cannot provide services under Medi-Cal as you want until
Medi-Cal is your only coverage. We did not make the rules, but
we do have to follow them to earn our living.