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Low or No-Income Options and The Uninsured

The California Health Benefit Exchange, Covered California, was created under health care reform and helps the uninsured and people with low to moderate incomes get health insurance.

Low or No-income?
Medi-Cal covers the basic benefits, prescription drugs, vision care, and hearing care that all health plans cover. 

Uninsured?
If you do not have health insurance, Covered California can help you determine if you qualify for Medi-Cal or federal subsidies, and can provide you with coverage options and plan costs. You can contact Covered California by phone at (800) 300-1506, TTY: (888) 889-4500 or by visiting their website at www.coveredca.com.

Find Out Costs

If you need medical care and you have to pay for it yourself, try to find out how much you will have to pay. Sometimes it is hard to find out costs. There may also be more than one charge, such as one charge from the doctor and another one from the hospital or clinic.

  • Ask your doctor, hospital, or other provider what the service will cost.
  • Ask if there is a discount for people who pay with cash or credit card. Ask if you can make payments.
  • Every hospital must provide a list of its 25 most common procedures. These include inpatient services, like hip surgery, as well as outpatient services, like cataract surgery or a colonoscopy. You can read these lists on the Office of Statewide Health Planning and Development website.
The law says that a hospital must give you a written estimate of hospital charges if you do not have insurance. The hospital must also give you information on financial aid programs and charity care.

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