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Program: California Department of Health Care Services - Medi-Cal Access Program

Agency: California Department of Health Care Services


Resource Number: 4092014
Alternate name: MCAP

 Description

Provides pregnant individuals with comprehensive coverage for no cost with no copayments or deductibles for its covered services. 

Medi-Cal Access Program (MCAP) is for middle-income families who do not have health insurance and whose income is too high for no-cost Medi-Cal. MCAP is also available to women who have other health insurance plans that do not cover maternity services or with a maternity-only deductible or copayment greater than $500.





Program Phones:
800-433-2611
Main - Toll Free
888-889-9238Fax

Website: www.dhcs.ca.gov/services/medi-cal/eligibility/MCAP/Pages/Medi-CalAccessProgram.aspx

Location information
Sites offering this program
+ Medi-Cal Access Program ->
Medi-Cal Access Program  
Location: No physical address.
Program Hours:
Phone Line: Monday through Friday, 8 am - 7 pm;
Saturdays, 8 am - Noon
Description: Not applicable.
Disabilities Access: Not applicable.
Mailing Address: Medi-Cal Access Program, PO Box 15559, Sacramento, CA 95852-0559
Service Area:

Program Delivery
Eligibility: To qualify for MCAP, an individual must be:
- Pregnant
- A person living in California who plans to stay
- Not enrolled in other programs (Medi-Cal or Medicare Part A and Part B benefits)
- Not covered by any other health insurance plan, unless the other health insurance plan doesn't cover maternity services or has a maternity-only deductible or copayment greater than $500
- Within the MCAP Modified Adjusted Gross Income (MAGI) guidelines listed below (effective as of January 2026)

Income-Based Eligibility Guidelines:
Household size of 2: monthly income of $3,843 - $5,809
Household size of 3: monthly income of $4,851 - $7,332
Household size of 4: monthly income of $5,858 - $8,855
Household size of 5: monthly income of $6,868 - $10,382
Household size of 6: monthly income of $7,875 - $11,905
Household size of 7: monthly income of $8,883 - $13,428
Household size of 8: monthly income of $9,892 - $14,954
Household size of 9: monthly income of $10,900 - $16,477
Household size of 10: monthly income of $11,907 - $18,00

Add $1,010 - $1,527 for each additional person in the household.
Languages: Translation services are available for multiple languages upon request, English
Application Process: To apply, go to www.CoveredCA.com.​ Individuals who qualify will receive a written letter notifying them that they have been enrolled in the MCAP. A letter will be provided with the date that coverage starts. Individuals who do not qualify will receive a written letter stating why they do not qualify.
Payment methods:
Program Fees: No fee. Assistance received is based on a sliding scale.
Documents Required: Proof of identification and proof of income.
Service Area:
Defined coverage area:
CA -Statewide


Custom fields
American Sign Language AccessibilityAmerican Sign Language Interpreter available on request.
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