Monthly Dental Plans to Reduce Countable Income
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Share of Cost Spend Down Dental Insurance Plans

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A share of cost can be met by paying a monthly Share of Cost Spend Down is the amount a beneficiary has to spend for medical care before Medi-Cal will begin to pay. The term “spenddown” is also used to describe spending down of excess countable resources ($2,000 for an individual and $3,000 for a couple) in order to qualify for Medi-Cal.

Share of Cost (SOC)

is the amount of money a person must pay or incur in medical services in a given month before receiving Medi-Cal benefits. A share of cost is like an insurance deductible. People on Medi-Cal with a share of cost must meet the resource limits for Medi-Cal ($2,000 for an individual and $3,000 for a couple) but may have incomes above the monthly income limits.
If your monthly income is higher than the limits to qualify for SSI or the A&D FPL program (see above), but you meet the asset-level requirements, you may still be eligible for Medi-Cal with a share of cost (SOC). An SOC functions like a deductible. You must pay this amount in any month you incur medical costs. After your SOC is paid, Medi-Cal will pay the remaining amount of your medical bills for that month.


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