Medi Cal qualification for Pregnant Women

Medi-Cal Access Program (MCAP) 

MCAP is available for pregnant women who don’t have Medi-Cal and have a family income up to 322% of Federal Poverty Level.   See Income Chart 

Any woman who thinks she is pregnant and whose family income is under a certain amount is eligible for Medi-Cal Presumptive Eligibility (PE) for Pregnant Women. However, she must seek this care through a participating provider and they will determine if you are eligible for this program. Ask your provider if he/she offers this coverage and how to apply. Medi-Cal Presumptive Eligibility

Medi-Cal offers year around enrollment.  Medi-Cal doesn’t compensate us to help you, so if you have other family household members who need coverage,  we can help you enroll in Covered CA – (get a complementary quote, subsidy and benefits calculation) and MCAP.

If you only want MCAP just contact Medi-Cal directly.

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Covered CA will now offer full Medi-Cal to pregnant women per SB 857 , even if they don’t want Medi-Cal, but answer yes to being pregnant in the Covered CA application.

Husbands, boyfriends and children can get coverage through Covered CA or Direct.  Get a quote.  No extra charge for us to help you.

Medi Cal & MCAP Maternity Coverage

Medi Cal FPL Levels Pregancy

See Covered CA Job Aid for more detail & explanation

See the income levels and Federal Poverty FPL chart

Federal Poverty Level &
Program Chart

Medi-Cal?  Covered CA Subsidies?  Enhanced Silver?
MAGI Income Chart

Group Employer Plans

Maternity coverage is mandatory on GROUP and INDIVIDUAL policies beginning in July 2012 in CA(Siders [1], “Capitol Alert,” Sacramento Bee, 10/6).  SB 222 AB 210  Insurance Code 10123.865

Maternity in most cases can’t be excluded  as a  Preexisting Condition   in a Group policy.  Nor can a newborn who has applied for coverage … within 30 days of birth; or  A child who is adopted … within the 30 days.   Insurance Code §10708 d3      26 U.S.C.A. section  §9801(d)3;    Cal. Health and Safety Code section  §1357.51  g 3  

Federal & State Family Leave Act

Guaranteed Coverage for  Employer Group of 2

No individual or group policy of health insurance that is issued, amended, renewed, or delivered on or after July 1, 2003, that provides maternity coverage shall contain a copayment or deductible for inpatient hospital maternity services that exceeds the most common amount of the copayment or deductible contained in the policy for inpatient services provided for other covered medical conditions or contain a copayment or deductible for ambulatory care maternity services that exceeds the most common amount of the copayment or deductible contained in the policy for ambulatory care services provided for other covered medical conditions.  CA Insurance Code 10119.5.  (a) SB  1411 2002

The Newborns’ and Mothers’ Health Protection Act of 1996 new protections for mothers and their newborn children with regard to the length of the hospital stay following childbirth  Q & A Page 31 CA Health & Safety Code § 1367.69(a)…obstetrician gynecologists- must be eligible as primary care physicians (PCP) – that means you can schedule an appointment with your OB/GYN without going to your PCP first, in the same Medical Group/IPA.  Provider Finder Standards relating to benefits for mothers and newborns IRS Code § 9811.

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Historical Information

Medi-Cal  With Health Care Reform, this page is pretty much out of date.  Click here for GUARANTEED issue quotes and subsidies.

California AIM (Access for Infants and Mothers)  provides coverage for women who are already pregnant and need maternity insurance coverage. You can apply up to the 30th week. Even if you have other Health Insurance, as long as it has a deductible or Co Pay of at least $500.CA Insurance Code 12695 et seq. AIM Program Handbook: 50 pages and includes the five-page Application. Be sure to put in our Agent’s Information How much is the Premium? embrace a


General ……………………………….. 12695-12695.24

POWERS AND DUTIES OF THE BOARD Administration …………………………. 12696-12696.20

Advisory Panel ……………………………….. 12696.5

PARTICIPATING HEALTH PLANS ……………… 12696.7-12697.15


Eligibility and Coverage ………………… 12698-12698.35

Unfair Competition and Labor Practices …. 12698.50-12698.56

PERINATAL INSURANCE FUND …………………. 12699-12699.05


OPERATION OF PROGRAM 10123.865.  (a) Commencing no later than July 1, 2012, every Including Grandfathered plans Per Blue Cross email dated 4.19.2012 individual health insurance policy shall provide coverage for maternity services for all insured’s covered under the policy. (b) For purposes of this section, “maternity services” include prenatal care, ambulatory care maternity services, involuntary complications of pregnancy, neonatal care, and inpatient hospital maternity care, including labor and delivery and postpartum care.

This definition of “maternity services” shall remain in effect until such time as federal regulations and guidance issued pursuant to the federal Patient Protection and Affordable Care Act (Public Law 111-148) aka Obamacare define the scope of benefits to be provided under the maternity benefit requirement of that act, after which time the definition of that term under the federal act and associated regulations and guidance shall apply for purposes of this section. Bookmarks

CA all policies must include maternity


#SB 857

The bill would also, under specified federal provisions applicable to qualified pregnant women and children, provide that a woman shall be eligible for Medi-Cal benefits if her income is less than or equal to 109% of the federal poverty level as determined, counted, and valued in accordance with federal law. The bill would also require the department to seek any state plan amendments or federal waivers necessary to provide full scope Medi-Cal benefits to pregnant women during their pregnancy and for 60 days thereafter for women whose income is over 109% of, and is up to and including 138% of, the federal poverty level. The bill would require these women to enroll in a Medi-Cal managed care plan in the counties in which one is available, to the extent permitted by state and federal law.
The bill would, after the department determines that the California Healthcare Eligibility, Enrollment, and Retention System (CalHEERS) has been programmed for implementation of these provisions, but no sooner than January 1, 2015, require the department to implement a specified option for women eligible for Medi-Cal pregnancy-related and postpartum services who are enrolled or will be enrolled in individual health care coverage through the Exchange and also opt to enroll in Medi-Cal. The bill would, except as provided, require the department to provide specified benefits and pay the beneficiary’s insurance premium costs and the beneficiary’s cost sharing for benefits and services during the beneficiary’s period of eligibility for pregnancy-related and postpartum services under the Medi-Cal program. The bill would require the department to make these premium or cost-sharing payments to the beneficiary’s qualified health plan, as specified. The bill would require the department to consult with various entities in developing specified processes, procedures, and notices for purposes of these provisions. The bill would authorize the department to contract with public and private entities to implement these provisions for purposes of these provisions and would make those contracts exempt from specified public contracting requirements. The bill would require health care service plans and insurers providing individual coverage in the Exchange to cooperate with requests from the Exchange to collaborate in the development of, and participate in the implementation of, these premium and cost-sharing payments for eligible Exchange enrollees and would also prohibit those plans and insurers from charging or requiring an enrollee or insured to make any payments for any services subject to these payments. Because a willful violation of that provision by a health care service plan would be a crime, this bill would impose a state-mandated local program.

Maternity is an essential benefit in Health Care Reform. Get Quotes here.  Subsidy Information.

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