138 Privately Funded Programs of Children and Adults

139 Health Maintenance Organization (HMO) Managed Care gatekeeper. co-pay pays for all of your well and sick care out of network, you will have to pay for the care yourself.

140 Indemnity Plan Indemnity Plan where you can go to any doctor you’d like. only pays part of your bill. deductible Costs more that an HMO Preferred Provider Organization (PPO)

141 Private Mental Health Benefits Have to provide mental health services Limits of visits and low pay unless a parity (AB88) diagnosis

142 Private Dental Insurance Usually not part of medical insurance Need separate dental insurance

143 Vision Insurance Usually not part of medical insurance Need separate vision insurance

144 Important Points for Private Insurance There is a variety of coverage Try to get the coverage that meets your needs (if you can afford it) know what your plan covers

145 Private Pay No insurance and don’t qualify for publicly funded program Pay out of pocket sliding fee scale

146 Important Points for Private Pay Many clinics will ask for proof of your income, Call before you go to see what their requirements are Bring something like a pay stub with you

147 Combining Public and Private Healthcare Programs Some families may be qualified for several government and/or private insurance programs. It is okay to have both

148 Important Points in Combining Programs Know what services are available to you You can get help

149 Important Legislation

150 Medi-Cal Redesign New legislation to help cut the cost of Medi-Cal and make it more efficient. Will be phased in starting in January Seniors and people with disabilities will receive care through Medi-Cal managed care plans

151 Medi-Cal Redesign Co-pay for families over 100% FPL or people with disabilities whose income is higher than the SSI/SSP level $1000 per year limit on dental services.

152 AB88 – Mental Health Parity AB (assembly bill) 88 Serious mental illness or autism Can’t limit visits or pay very low rates for care.