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What is Medi-Cal with a Share of Cost?

The share of cost is the amount you pay for health care expenses each month before Medi-Cal will pay. This is like having a health insurance deductible.

Example: Mary has a monthly $700 Medi-Cal Share of Cost.
Mary pays $700 in health care expenses each month before Medi-Cal will pay for her health care.

There are different ways to meet your Medi-Cal Share of Cost (see below)

Method 1: Use health care expenses

Any health care expense that you owe can be used to meet your Medi-Cal Share of Cost. These expenses can be reported to Medi-Cal by your health care provider or by your Medi-Cal worker.

Paid and unpaid health care expenses are treated differently.

Paid bills can only count toward your Medi-Cal Share of Cost in the same month you received the services.
For example, if you paid for dental services that you received in July 2017, they can only be applied to the July 2017 Medi-Cal Share of Cost.

Medical SOC PAID Expenses

Unpaid medical bills can be used to meet the Medi-Cal Share of Cost for any month.

Method 2: Use health insurance premiums

Health insurance premiums can count towards meeting your Medi-Cal Share of Cost. Examples of health insurance:

  • Medicare Part B premium
  • Dental or vision insurance premiums
  • Medicare Part D drug plan premiums
  • Medicare supplemental insurance “medigap” premiums

Understanding Medi-Cal with a Share of Cost can be confusing.

Need more information or help? Call the Center for Health Care Rights at 1-800-824-0780.