Quyền lợi kép toàn phần và một phần
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Individuals dually eligible for both Medicare and Medi-Cal are known as “dual eligibles” or “Medi-Medis.” The population of dual eligibles in California includes key groups below.
Đôi hoàn chỉnh
“Full duals” are members who are enrolled in Medicare Parts A, B, and D, and Medi-Cal. Almost all of the 1.7 million dual eligible members in California are enrolled as full duals. Since these members are enrolled in Medicare Parts A and B, they may enroll in Medicare Advantage plans (including Dual Eligible Special Needs Plans, or D-SNPs). Full duals are entitled to full-scope Medi-Cal benefits, including coverage for Medicare cost sharing such as Medicare premiums and copays. Additionally, Medi-Cal covers benefits not provided by Medicare, such as long-term services and supports, dental and vision. Full duals are enrolled in Medi-Cal managed care plans. Medicare providers may not bill full duals for Medicare Parts A and B cost sharing.
Medicare một phần lợi ích kép
The federal Centers for Medicare &Medicaid Services (CMS) defines partial-benefit duals or “partial duals” as members enrolled in one of several Medicare Savings Programs (MSPs), with Part A and/or Part B coverage, but not enrolled in Medi-Cal. MSP enrollment for this group means that DHCS covers their Part A and/or Part B cost sharing, but they are not enrolled in Medi-Cal and do not receive full Medi-Cal benefits. Partial-benefit duals with Part A and B coverage, but not Medi-Cal coverage, are eligible to enroll in Medicare Advantage plans but not D-SNPs. These members are not enrolled in Medi-Cal managed care plans. Partial duals can be in QMB, SLMB, and QI, but are not QMB+, SLMB+, or full-benefit dual. In California there are relatively few partial-benefit duals, as the income limit for most MSPs in California is similar to the Medi-Cal income limit, and most individuals enrolling in MSPs also choose to also enroll in Medi-Cal and get full benefits. Medicare providers may not bill partial-benefit duals for Medicare Part A and B cost sharing. Individuals may apply for what they want (either Medi-Cal + Medicare Saving Program (MSP) or just MSP).
Chỉ Phần B
Part B only includes members enrolled in Medicare Part B only (but not Part A) and Medi-Cal. The Part A Buy-In policy transitioned most of these members to full duals as of January 1, 2025. The remaining Part B only members includes those not QMB eligible. Members with Medicare Part B only and Medi-Cal are enrolled in Medi-Cal managed care plans. Medicare providers may not bill Part B only members with Medi-Cal for Medicare Part B cost sharing.
Lưu ý: Nếu người tham gia bảo hiểm kép toàn phần mất Medi-Cal (ví dụ do thu nhập tăng hoặc thiếu giấy tờ), họ sẽ không tự động trở thành người tham gia bảo hiểm kép một phần, trừ khi họ đã yêu cầu đánh giá chỉ dành cho MSP. Các quận thực hiện việc xác định lại hàng năm cho cả Medi-Cal và Medicare. Không có trường hợp nào mà thành viên mất tư cách hưởng Medi-Cal và vẫn giữ được MSP nếu không có yêu cầu đặc biệt.
Thỏa thuận mua vào Medicare Phần A
Tính đến ngày 1 tháng 1, 2025, Tiểu bang California tham gia vào thỏa thuận mua vào với CMS, theo đó Medi-Cal tự động thanh toán phí bảo hiểm Medicare Phần A, đồng thanh toán và khoản khấu trừ cho các thành viên Medi-Cal:
- Đã đăng ký tham gia chương trình Người thụ hưởng Medicare đủ điều kiện (QMB) và
- Có quyền hưởng Medicare Phần B theo báo cáo của Cục An sinh Xã hội (SSA).
For more information about the Part A Buy-In policy, please see this Medicare Premium Payment (Buy-In) Program webpage.