The starting points: Medicare covers seniors and the disabled, is paid for by the federal government and covers very little long term care, no dental or vision care. Medicare comprises four parts: Part A for hospital care, Part B for doctors, Part D for prescription drugs and Part C that combines them all through private insurers (HMOs and PPOs). Just over 5.6 million Californians are enrolled.
Medi-Cal covers the poor; it is paid for by the federal and state governments; it covers a full range of long term care, most dental care and vision care only for children. Almost all subscribers are enrolled in local managed care plans (HMOs). Over 13 million Californians are enrolled.
Employment-based coverage covers about ½ of all Californians; it is paid for by employers and employees assisted by a very large tax subsidy (pre-tax purchasing). Most enrollees are in HMOs; the rest in PPOs. Large and medium sized employers are required to offer coverage to their full time employees, small employers are not so required.
Covered California (Exchanges) cover the uninsured and private individually insured above Medi-Cal levels; individuals pay a share of premiums based on their incomes and the federal government pays a very large share of the premiums, copays and deductibles for those who cannot afford the full cost. Individuals pick their plan, their doctor and their level of coverage. Individuals not otherwise covered by Medicare, Medi-Cal, their employers or the VA are required to enroll in coverage, if affordable. About 1.5 million are enrolled.
The undocumented uninsured (about 1.5 million Californians) are only eligible for emergency care and prenatal care through Medi-Cal if they are low income, but are otherwise ineligible for federally financed coverage. California has just begun to offer full scope Medi-Cal for low income undocumented children (about 170,000 may be eligible). This will be through local HMOs.