Medi-Cal in California
Medi-Cal is California's Medicaid program — free or low-cost health coverage for low-income residents. It is administered by the California Department of Health Care Services (DHCS).
Who qualifies for Medi-Cal?
California covers adults 19–64 with income up to 138% of the Federal Poverty Level (FPL). Key qualifying groups include:
- Adults (19–64): Income up to 138% FPL (~$21,597/year single; ~$44,367/year family of 4)
- Children: Generally covered at higher income levels
- Pregnant women: Higher income limits apply
- Seniors and people with disabilities: SSI recipients qualify automatically
California's Medi-Cal is one of the most expansive Medicaid programs in the country. It covers adults regardless of immigration status (including undocumented adults ages 26–49 added in 2024) and has no asset test. You can also apply at a county social services office or through a certified enrollment counselor.
How to apply for Medi-Cal
You can apply through California's official portal, by phone, by mail, or in person at your local California Department of Health Care Services (DHCS) office.
- Online: Apply at BenefitsCal.com →
- Processing time: Most applications are processed within 45 days (90 days for disability-based applications)
- Coverage start: If approved, coverage typically begins the first day of the month you applied
- Renewal: Medicaid eligibility is reviewed annually — respond to renewal notices to avoid losing coverage
What does Medi-Cal cover?
Medicaid in California covers a comprehensive set of services, including:
- Doctor visits and preventive care
- Hospital stays (inpatient and outpatient)
- Emergency services
- Mental health and substance use treatment
- Prescription drugs
- Lab tests and X-rays
- Prenatal care and delivery
- Long-term care (nursing home and home-based services)
Most services are covered at no cost or very low cost. Some plans may charge small copays for non-emergency services.
What documents do I need?
- Proof of identity (driver's license, state ID, or passport)
- Proof of California residency (utility bill, lease, or bank statement)
- Proof of income (pay stubs, tax returns, or employer letter)
- Social Security numbers for all household members applying
- Proof of citizenship or immigration status
Common questions about Medi-Cal
Can I keep my doctor on Medi-Cal?
Medi-Cal is often provided through managed care plans. When you enroll, you will choose a plan and a primary care provider. If your current doctor accepts Medi-Cal, you can stay with them. Call your doctor's office to confirm before enrolling in a plan.
What if my income changes?
Report income changes to California Department of Health Care Services (DHCS) within 10–30 days. If your income rises above the limit, you may qualify for marketplace coverage with subsidies instead — coverage is typically available without a gap.
Can I have both Medicaid and private insurance?
Yes. If you have employer coverage, Medi-Cal can act as secondary insurance, covering costs your primary insurance doesn't pay. This is called "dual coverage" and can significantly reduce your out-of-pocket costs.
Related programs to check
- SNAP in California — monthly food benefits; many Medicaid households qualify automatically
- CHIP — low-cost health coverage for children in families above Medicaid limits
- EITC in California — tax credit worth up to $8,000+ for working families
- Medicaid national overview — general rules and ACA expansion details
Not sure if you qualify for Medi-Cal?
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