Question: I turn 65 in February and I will be eligible for Medicare. Can I stay in Covered California instead?
Answer: You cannot purchase a Covered California health plan with premium assistance if you are eligible for Medicare. Without premium assistance, coverage through Covered California for a 65 year-old is much more expensive than Medicare. However, if your income is very low, you may be eligible for Medi-Cal in addition to Medicare. The Covered California application automatically checks to see if consumers qualify for Medi-Cal. If you qualify for both Medicare and Medi-Cal, Medi-Cal will help pay for Medicare premiums and cost-sharing requirements. Medi-Cal may cover additional benefits, such as dental services, nursing home care, and personal care services. Medi-Cal may also provide extra financial assistance to help with the cost of Medicare Part D prescription drug coverage.