Can I use Medi-Cal as secondary insurance?
Families who already have health insurance coverage for their child can still benefit from Medi-Cal as it may be used as a secondary insurance to pay certain expenses that your primary health insurance doesn’t cover.
First, you need to make sure your physician, facility, or service accepts straight Medi-Cal. If they do, they can bill your primary insurance before billing the amount not covered to Medi-Cal. For services or supplies that aren’t completely covered by your primary insurance, you will need a written denial of coverage from your primary insurance as well as a prescription or order from your doctor showing that the service, medication, or supplies are medically necessary.
For more information, check out our article Making the Most of Medi-Cal.