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Income Qualifications for Medi-Cal

Posted: March 29, 2023

Medi-Cal provides health care insurance for low-income individuals in the state of California who meet income limits for the program. Learn more about Medi-Cal and whether you qualify for coverage.

How to Become Eligible for Medi-Cal

Eligibility for Medi-Cal, California’s Medicaid program, is primarily determined by income, with households needing to earn less than 138% of the federal poverty level (FPL). The income limit fluctuates depending on household size; for instance, a single person earning $21,000 or a family of five earning over $49,000 in 2024 would exceed the limit.

Nonetheless, income isn’t the sole criterion, as certain circumstances, like pregnancy, disability, limited refugee status, or foster care enrollment, can also grant eligibility. Medi-Cal should not be confused with Medicare, a separate, nationwide program with distinct qualifications, encompassing age (65 or older) or disability. However, those who fulfill both program requirements may simultaneously enroll in Medicare and Medi-Cal.

Providing Proof of Income Eligibility

When applying for Medi-Cal, you must submit proof of income eligibility. Any of the following documents are accepted:

  • A copy of the most recent pay stub from your employer or employers
  • A signed statement about your position from an employer if a pay stub is unavailable
  • Schedule C if self-employed
  • A copy of a benefits stub or awards letter for proof of unemployment or disability
  • Documentation of paid benefits or an award letter for social security benefits

Along with documentation of your income, you will need to provide identity documents, tax information and other paperwork. You can apply for Medi-Cal by mail, online or in person. Regardless of which option you choose, it is important to provide as much information as possible. If you select the mailing route, please mail copies of your proof documents instead of the originals.

Benefits of Medi-Cal

Depending on how you qualify, you can get benefits through Medi-Cal. Be sure to refer to your coverage plan for more information on what is and may not be covered. Whether you are fully covered or partially covered, Medi-Cal can help with medically necessary care, including:

  • Outpatient services
  • Hospitalization
  • Emergency services
  • Mental health treatment
  • Maternity and newborn care
  • Physical and occupational therapy
  • Preventive care
  • Chronic disease management
  • Prescription medications

Apply for a Medi-Cal Quote Today

Once you find out that you have met the qualifications for Medi-Cal, apply for a quote through Health for California today. The application process is simple and straightforward, and you can complete it from the comfort of your home. If you have any questions about the application or what comes after, the team at Health for California is ready to assist you!