Family Pact: Insurance Or Not?

Family PACT is not considered insurance. It is a program that provides family planning and related services to eligible California residents. To be eligible for Family PACT, individuals must be California residents with a medical need for family planning, meet the income requirements, and have no other healthcare plan that covers their family planning needs. Family PACT covers various services related to family planning, such as birth control methods, family planning counseling and education, STI testing and treatment, and cervical cancer screening. However, it does not cover primary care services, emergency room visits, inpatient services, or services for pregnant individuals.

Family PACT is not insurance but a program that provides family planning services to eligible California residents

To be eligible for Family PACT, you must be a resident of California and have a medical need for family planning. This means that you must be able to get pregnant or cause a pregnancy. If you are already pregnant, you will not be covered by Family PACT until you give birth, but you may be eligible for Presumptive Eligibility for Pregnant Women.

In addition to meeting the residency and medical need requirements, you must also meet the income requirements to be eligible for Family PACT. Your income must be at or below 200% of the federal poverty income guidelines. This is based on your basic family unit, which includes your spouse if you are married or in a common-law marriage, and any minor children you have.

Another important criterion for eligibility is that you must not have any other health care plan that covers your family planning needs. However, if you have other health care coverage, such as Medi-Cal, you may still be eligible for Family PACT benefits if your insurance does not cover any contraceptive methods or if you are unable to meet the annual deductible.

Family PACT provides access to a range of comprehensive family planning services, including various birth control methods, family planning counseling and education, STI testing and treatment, cervical cancer screening, and limited fertility services. It is important to note that Family PACT does not cover primary care services, emergency room visits, inpatient services, or services for pregnant people.

It is only available to those with no other source of coverage for family planning

Family PACT is a program that provides family planning and related services to eligible California residents. It is only available to those with no other source of coverage for family planning. This means that if you already have health insurance that covers family planning services, you are not eligible for Family PACT. However, there are some exceptions to this rule. For example, if your current insurance does not cover any contraceptive methods, you may still be eligible for Family PACT. Additionally, if you are a student with no health care coverage for contraceptives, you may also qualify.

The program is designed to provide comprehensive family planning services to low-income individuals, including teens, in California. It covers various birth control methods, family planning counseling and education, sexually transmitted infection (STI) testing and treatment, cervical cancer screening, and limited fertility services. It is important to note that Family PACT does not cover primary care services, emergency room visits, inpatient services, or services for pregnant individuals.

To be eligible for Family PACT, individuals must meet certain criteria. Firstly, they must be residents of California and have a gross family income at or below 200% of the Federal Poverty Level (FPL). Additionally, they must not have any other source of health care coverage for family planning services. Minors under the age of 18 can apply for Family PACT without parental consent, and there is no minimum age for enrollment.

Family PACT is a valuable program that helps low-income individuals and families in California access the family planning services they need. By providing no-cost access to various contraceptive methods, counseling, and related health services, the program promotes reproductive health and helps reduce the likelihood of unintended pregnancies.

To be eligible, you must be a California resident with a gross family income at or below 200% of the Federal Poverty Level

Family PACT is a state-funded program that provides free comprehensive family planning and family planning-related services to eligible California residents. It is not insurance, but rather a program that provides no-cost family planning services to low-income individuals, including teens.

To be eligible for Family PACT, you must meet the following criteria:

• You must be a resident of California at the time of your application.
• You must have a medical need for family planning.
• Your gross family income must be at or below 200% of the Federal Poverty Level (FPL).
• You must have no other source of health care coverage for family planning services, or meet the criteria specified for eligibility with Other Health Coverage (OHC).

The Federal Poverty Level (FPL) is a measurement standard used by the Department of Health and Human Services to determine if an individual or family is eligible for government-regulated programs and services. The FPL is updated annually and is based on your annual income and household size.

To calculate your FPL, you can follow these steps:

• Find your family size in the left panel of the Covered California income limits chart.
• Find your gross family income level.
• Using steps 1 and 2, look at the top of the chart to see if you qualify for Medicaid, Cost Sharing & Subsidy, Subsidy Only, or No Subsidy.

It's important to note that Family PACT is only for family planning needs. If you qualify, you must be able to get pregnant or cause a pregnancy. If you get pregnant, you will not be covered by Family PACT until you give birth, but you may be eligible for Presumptive Eligibility for Pregnant Women.

Family PACT covers various birth control methods, family planning counselling, STI testing and treatment, and cervical cancer screening

Family PACT is a program that provides family planning and related services to eligible individuals. It covers various birth control methods, family planning counselling, STI testing and treatment, and cervical cancer screening.

Birth Control Methods

Family PACT covers a variety of birth control methods, including long-acting reversible contraceptives, emergency contraception, and permanent birth control. It also covers sterilization procedures for both men and women.

Family Planning Counselling

Family PACT provides access to comprehensive family planning services, including pregnancy testing, birth control, sterilization, and limited fertility services. Family planning counselling and education are also covered by Family PACT.

STI Testing and Treatment

Family PACT covers sexually transmitted infection (STI) testing and treatment. This includes common STIs such as chlamydia and gonorrhea, which often do not cause symptoms but can have serious health consequences if left untreated.

Cervical Cancer Screening

Cervical cancer screening is an important part of routine health care for people with a cervix. Family PACT covers cervical cancer screening, such as Pap tests (also known as Pap smears or cervical cytology) and HPV tests, which can detect precancerous cell changes and cervical cancer.

It does not cover primary care services, emergency room visits, inpatient services, or services for pregnant people

Family PACT is a program that provides family planning and related services to eligible California residents. It is not considered insurance, but rather a confidential service that provides no-cost family planning services to low-income individuals, including teens.

To be eligible for Family PACT, you must be a resident of California and have a medical need for family planning. This means that you must be able to get pregnant or cause a pregnancy. If you are pregnant, you will not be covered by Family PACT until you give birth.

Family PACT does not cover primary care services, emergency room visits, inpatient services, or services for pregnant people. This is because Family PACT is specifically designed for family planning needs, and it is not a substitute for comprehensive health insurance.

Primary care services are typically defined as the day-to-day healthcare services provided by a general practitioner or primary care physician. This includes services such as annual physical exams, vaccinations, and treatment for common illnesses or injuries. Family PACT is not intended to replace these routine healthcare services, which are an essential part of maintaining overall health and well-being.

Emergency room visits refer to situations where an individual seeks medical care in an emergency department or urgent care setting. Family PACT does not cover these visits, as they often involve medical issues outside the scope of family planning. Emergency room visits can be costly, and it is important to understand that Family PACT is not a substitute for insurance coverage that could help offset these costs.

Inpatient services refer to situations where a patient is admitted to a hospital for overnight or extended care. Family PACT does not cover inpatient services, as these are typically related to more serious medical conditions or procedures that require specialized care. Inpatient services can be extremely expensive, and it is crucial to have adequate insurance coverage to help manage these costs.

Services for pregnant people are also not covered by Family PACT. While Family PACT does provide pregnancy testing, it does not cover prenatal or maternity care. This is an important distinction, as prenatal and maternity care are essential for ensuring the health and well-being of both the mother and the child during pregnancy, childbirth, and the postpartum period.

In summary, while Family PACT provides valuable no-cost family planning services to eligible individuals in California, it is not a substitute for comprehensive health insurance. It is important for individuals to understand the limitations of Family PACT and ensure that they have adequate coverage for primary care, emergency room visits, inpatient services, and pregnancy-related care.

Frequently asked questions