Ask Emily is a biweekly column by Emily Bazar of the CHCF Center for Health Reporting, answering questions about the Affordable Care Act.
California state officials have used those phrases since last year to describe the new, easier, more efficient Medi-Cal application process.
But something happened between their mouths and reality: “A hole fell out of the middle of the system,” says Jen Flory, senior attorney for the Western Center on Law & Poverty.
Nearly 1 million Californians are now stuck in a monumental backlog of Medi-Cal applications that shows few signs of abating. Some of them applied as soon as enrollment began in October last year.
I hear from them every day. People who have heard nothing for months. People who are sick, need care and don’t know what to do.
In today’s column, I will describe what went wrong with the Medi-Cal expansion and what you can do if you’re still waiting.
Under Obamacare, California expanded the ranks of recipients to include those who earn up to 138 percent of the f ederal poverty level (about $16,100 for an individual and $27,300 for a family of three) as well as childless adults.
The expansion is expected to push enrollment in Medi-Cal to 30 percent of the state’s population.
Since Oct. 1, when enrollment began, state officials urged Californians who might be eligible for the Medi-Cal expansion to apply via the website for Covered California, the state’s health insurance exchange.
Those who enrolled from October through December were told they could look forward to coverage starting in January. The central website was supposed to be able to determine income eligibility and communicate that information to county social service agencies, which do the final processing using different computer systems.
Thus the “no-wrong-door” and “one-stop-shop” talk.
Instead of those terms, Flory uses “overwhelming mess,” “fiasco” and “jaw-dropping” to describe what actually happened.
It turns out the Covered California website, which cost $454 million and counting, couldn’t communicate with the county systems for months. The website also had programming defects that caused applications to be wrongly denied and put on hold, says Frank Mecca, executive director of the County Welfare Directors Association of California.
“The plan was that the interface (among the computer systems) would be ready on Oct. 1,” he says. “It wasn’t ready until Jan. 21.”
The outcome? “Most of those applications could not be processed and were essentially stuck there,” he says.
Then, the state got slammed with more applications than expected. As of March 31, 1.9 million people had enrolled in Medi-Cal, compared with the 1.4 million Californians who purchased Covered California plans.
In addition, some people didn’t provide documents that allow the state to verify eligibility, says Tony Cava of the state Department of Health Care Services , which administers Medi-Cal.
As a result, a whopping 900,000 Medi-Cal applicants remain stuck in enrollment purgatory. More than half of them applied within the last 45 days, Cava says. By law, applications are supposed to be processed within that time frame, he says.
There are some steps you can take if your application is stuck or you need care while waiting:DHCS website healthconsumer.org
Please note that your eligibility dates back to the month you applied, so you may be able to get reimbursed for your non-emergency costs, assuming you received care from a doctor or hospital that accepts Medi-Cal patients, Flory says. Emergency care will be covered wherever you receive it, she says.
You also may receive retroactive benefits for the 90 days prior to your application date. But for anyone considered newly eligible under the new Medi-Cal rules, your retroactive coverage cannot predate Jan. 1, Cava says.
Medi-Cal enrollment continues all the time. Given the troubles I’ve just described, you may think it’s not worth applying, even if you think you’re eligible.
But you should. Just be prepared to wait.