? about MediCal with a commercial plan

[Guest guest]

Anyone know how MediCal (or in other states, Medicaid) works if the patient also has commercial coverage?

I have a couple who just adopted 2 foster kids (very happy and long story) who will have MediCal coverage for life and I'm trying to advise them on which insurance plan to choose through their employers......for example, can you go back and forth using one then the other; will MediCal pay for presciptions that Blue Cross only pays part of?  (They are trying to decide if a high deductible plan with much lower premiums would work.)  Neither the health plans or MediCal phone people seem to be able to answer our questions...

 

If anyone thinks this is a sane system we have now, let me send you the options University of California is offering people for next year; rates went up so much they came up with all kinds of crazy plans.  Even for me, who deals with this every day, it is impossible to sort out......

 

SharonSharon McCoy MDRenaissance Family Medicine10 McClintock Court; Irvine, CA  92617PH: (949)387-5504   Fax: (949)281-2197  Toll free phone/fax:  www.SharonMD.com