The State of California provides health insurance through Healthy Families and Medi-Cal for working families, particularly children.

• About 90% of uninsured children and parents are in working families.
• 1.1 million uninsured children in California are eligible for low-cost or no cost insurance.
• Over 500,000 uninsured adults are currently eligible for Medi-Cal.

What Low-Cost or No-Cost Insurance is Available?
Medi-Cal is no-cost health coverage with full benefits (provided mostly through private and local health plans) for the whole family - both children and working parents with lower incomes. Healthy Families is low-cost private health plan coverage with full benefits for uninsured children in low-income working families. Call (888)-747-1222 for more information on both programs.

What is the Cost For Employees?

• In Healthy Families, monthly premiums for children range from $4 to $9 (with maximum cost of $27 per family), depending on family's income and size. Co-payments of $5 apply for each doctor visit and for prescriptions. All preventive care services are free (e.g. immunizations and child health screenings).
• In Medi-Cal, children and parents have no premiums. Parents pay small co-payments ($1) for outpatient services and prescriptions.

Who is Eligible?

• Children up to age 19 with annual family incomes at or below $45,250 (for a family of four).
• Parents are currently eligible with family incomes at or below $18,100 (for a family of four).

Parents and children who are U.S. Citizens or qualified immigrants, including legal permanent residents, are eligible. Even if the parent is not a legal resident, the child may still qualify.

How Does A Family Apply?

• Families apply by completing a mail-in Healthy Families/Medi-Cal application.
• Community organizations are availabe to assist families with filling out applications. To order applications in 10 languages or locate an assistor in your neighborhood call (888)-747-1222.

What benefits are covered through the Program?
A choice of comprehensive health, dental and vision coverage through insurance plans. You have a choice of plans including a community provider health plan in each county.

Can an employee who already has employer-sponsored coverage for their children transfer to Medi-Cal or the Healthy Families insurance?
Medi-Cal insurance can supplement employer-sponsored coverage for those eligible for Medi-Cal. For Healthy Facilities, eligible children may not be covered by employer-sponsored insurance three months prior to enrollment. Some exceptions apply such as when employers discontinue coverage for all employees or a child's parents loses her job.

How Can Employees Assist Their Employees?

• Let your employees know about this important opportunity. Share this information with your employees and distribute brochures.
• Seek assistance from community-based organizations in your neighborhood that can help your employees fill out applications.
• Provide payroll deductions and send premium amounts directly to the Healthy Families program
• Premium discounts of 25% are available if premiums can be deducted from the employer's bank account by electronic transfer.
• Sponsor worker's dependents by paying Healthy Families premiums for eligible children for 12 months in advance.

The 100% Campaign is a collaborative effort of Children Now, the Children's Defense Fund & The Children's Partnership, with primary support form The California Endowment, to ensure that all of California's children obtain the health care coverage they need to grow up healthy and strong.

To get detailed information on how to give workers a hand with dependent child coverage at no cost to the owner, visit www.100percentcampaign.org or call The Children's partnership at (310) 260-1220 or call The California Small Business Resource Center at 800-350-2722.

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