I tried so hard when I filled in my application for Covered California to make sure my income would be above 138% of the FPL so I didn't get flipped to Medi-Cal. The reason being I really want to keep my doctors that I've had for 10+ years and being on Medi-Cal seems so complicated (isn't it all?!).
I'm currently on unemployment, having been laid off last year. I have no clue what my income will be this year, I hope I'll find a job but things are looking really grim and for now all I have is EDD.
I added 10k to my income to bump it up to get Covered California (and because I hope I can at least make that by picking up some consulting work). Turns out I used the previous year's FLP amount so I didn't put enough by a few hundred dollars and immediately got flipped to Medi-Cal, and now Covered California won't have anything to do with me. I'm still within the 10 days to call the county and tell them I made an error and to up my income enough to get on to CC. But then I panicked and thought wait, what if I do get a good job this year, do I then have to pay back all the subsidies I received to get CC while I'm currently on EDD? Should I stick with Medi-Cal after all?
I called one of my doctor's today to ask them if they took Medi-Cal and she asked me if it was "just Medi-Cal" or "Medi-Cal assigned to a group". If it's assigned to a group then unless it states ULCA Health, I won't be able to see them. Does anyone know how I'd know which I'd be assigned to, with or without a medical group? Do I have any control over it? If my doctors will take Medi-Cal, then I might as well take it. But I don't want to take it if it means I can't see any of my doctors or specialists, all of whom are in UCLA Health.
Any intel is greatly appreciated!