FA R M L A B O R I N F O R M AT I O N B U L L E T I N
Voice of the Fields California
July 2017
FREE
Healthcare in California
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EALTHCARE can be confusing, and you may be wondering what options are available when it comes to plans and coverage.
Understanding Benefits and Costs
By law, all health plans in California must provide basic health services when medically necessary. A definition of what is medically necessary can be found in the contract of your health plan. Most plans do not cover dental, eyeglasses or hearing aids. Only some cover wheelchairs and oxygen tanks. What is covered and the quality of care differ from plan to plan. Basic services include doctor and hospital services. Plans must cover both inpatient (overnight stays in a hospital) and outpatient services (minor surgeries at a surgery center.) According to the California Department of Managed Health Care (DMHC), other basic services and benefits all plans cover include: n Laboratory tests to diagnose problems n X-rays and mammograms n Vaccinations and checkups n Mental health care for some serious problems n Emergency and urgent care even if you are outside your health plan’s service area
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Rehabilitation therapy, such as physical, occupational and speech therapy Some home health or nursing home care after a hospital stay Standing referrals for patients with AIDS (This means that you do not have to get a referral and approval each time you see an AIDS specialist.) Diabetes services and supplies Routine costs of clinical trials for cancer treatment Prosthetic devices or reconstructive surgery after a mastectomy (removal of a breast) Prosthetic devices to restore a method of speaking for a patient after a laryngectomy (removal of the vocal cords). This does not include electronic voice producing machines Reconstructive surgery to correct or repair abnormal structures of the body caused by congenital defects, developmental abnormalities, trauma, infection, tumors, or disease. Services related to diagnosis, treatment, and management of osteoporosis (weak bones)
Volume 27, Number 7 It is important to ask what the costs of the plan are before joining. Some health plans and employers have online tools and calculators to help you find out what plan works best for you. You can also talk to your employer, insurance broker, Covered California, or call the health plan directly. The DMHC provides a list of important questions to ask which include: n What is the monthly premium? n What is the yearly deductible? n Is there a separate deductible for different kinds of services? n What services apply towards the deductible? n What is the yearly out-of-pocketmaximum? (the amount you pay each year other than premiums for covered services) n What costs apply towards the yearly out-of-pocket-maximum? n What is the co-pay or co-insurance that you pay? Most health plans cannot put a lifetime dollar limit on your benefits. This means that if you have a serious and costly illness you can still get care. You may have to pay a significant portion or the whole bill if: n You see a specialist without a referral from your primary care doctor and prior approval from your medical group or health plan n You see a provider who is not in your Continued on next page