How can I determine if I am eligible for Medi-Cal, and what is the step-by-step application process?

You determine Medi-Cal eligibility primarily based on your household's income, and you can apply online, by mail, or in person through a single application process. Here is the step-by-step process to determine eligibility and apply: Step 1: Gather Your Documents Collect necessary information for everyone in your household applying for coverage. You will need Social Security numbers, proof of income (pay stubs, tax returns), proof of California residency (utility bill, lease), and government-issued identification. Having these ready will streamline your application. Step 2: Estimate Your Eligibility Medi-Cal eligibility for most adults is based on your Modified Adjusted Gross Income (MAGI). Go to the Covered California website (CoveredCA.com) or the Department of Health Care Services (DHCS) website to find the current income limits, which are based on the Federal Poverty Level and your household size. As a general rule, your household income must be at or below 138% of the Federal Poverty Level. Step 3: Choose How to Apply You have three main options. The fastest way is to apply online at CoveredCA.com. You can also apply by mail by downloading a paper application from the DHCS website, or apply in person at your local county social services agency office. Step 4: Submit Your Application Fill out the application completely and accurately. Pursuant to state law, this single streamlined application will be used to determine your eligibility for Medi-Cal or for subsidized health plans through Covered California if your income is too high for Medi-Cal. Step 5: Receive a Determination After you apply, the county has 45 days to determine your eligibility (or 90 days if a disability determination is required). You will receive a formal letter called a Notice of Action (NOA) in the mail that will approve or deny your application and explain your rights to appeal. Important Details and Nuances: Even if your income is over the limit, you may still qualify for other programs like Share of Cost Medi-Cal, or specific programs for pregnant individuals, children, or those with disabilities. Assets like your primary home and one vehicle are generally not counted for MAGI-based Medi-Cal. Warnings and Limitations: You must report any changes to your income, address, or household size to your county office within 10 days. Failing to report changes can result in a loss of coverage or other penalties. This is general information and does not constitute legal advice. For complex situations, such as those involving disability or property, consult with a qualified California attorney.