Page Content. Medi-Cal Health Coverage. What is Medi-Cal? How ;ay does Medi-Cal cost? What is the difference in coverage between Medi-Cal and private coverage? What health plans are available through Medi-Cal? Will I be able to stay with my doctor? Is it possible for the members of the same family to qualify for different coverage at the same time? What do I do if I have questions about medications, accessing doctors, or specialists? Can I decline Medi-Cal and enroll in top Covered California health plan and receive the federal premium assistance?