Many Californians don’t have medical coverage, and are unable to qualify for health coverage due to pre-existing conditions. However, it is important to know that there are options you may qualify for:
Medi-Cal
Medi-Cal is California’s version of the federal Medicaid program. This program will pay for health services for California residents that qualify based on income and assets. Eligibility is determined by the Department of Health Services through its sub-agency Department of Public Social Services.
Access for Infants and Mothers (AIM)
The program is designed primarily for uninsured low income pregnant women and their infants who do not qualify for Medi-Cal. Since individual health plans will not approve you for coverage if you are currently pregnant, this provides an excellent opportunity for coverage.
Healthy Families Program
This program provides low-cost comprehensive health, dental and vision coverage for children and teens up to age 19 that do not have access to insurance and cannot qualify for Medi-Cal. If the mother qualifies for AIM, the baby is automatically eligible for enrollment in Healthy Families.
Major Risk Medical Insurance Program (MRMIP)
This program provides comprehensive health insurance for Californians who are unable to obtain coverage within the individual health market. You are able to enroll in the MRMIP program after you’ve been declined coverage by an insurance company or health plan due to a pre-existing condition.
Tags: individual health, pre-existing
