Medi-Cal is California’s Medicaid program. Medi-Cal offers free or low-cost health coverage for California residents who meet eligibility requirements. Most individuals who apply through Covered California and enroll in Medi-Cal will receive services through health plans, similar to most of the health coverage options available through Covered California. Both Covered California and Medi-Cal use the same application to determine eligibility.

The state and federal government finance Medi-Cal equally. Medi-Cal offers 21 managed care health plans, some of which are also offered by Covered California. Your choices depend on the county in which you live. Freeway Insurance can help you select the best health insurance based on your needs and budget.

This is a public health insurance program, which provides needed health care services for low-income individuals, including families with children, seniors, persons with disabilities, foster care, pregnant women, and low-income people with specific diseases such as tuberculosis, breast cancer or HIV/AIDS.

All of the health plans offered through Covered California or by Medi-Cal include the same comprehensive set of benefits known as “essential health benefits.” Essential health benefits consist of:

For many individuals who enroll in Medi-Cal, there are no premiums, no co-payments, and no out of pocket cost. Some households will see affordable costs, such as a low monthly premium. For some Medi-Cal kids, the premium is only $13 per child. In general, individuals in Medi-Cal will get the same health benefits available through Covered California at a lower cost.

To be eligible, your annual income must be 138 percent of the federal poverty level or less (in 2022 that would mean an individual who earned $18,755 or less). For a family of four, your annual income must be $38,295 or less.

You can also get Medi-Cal if you are: