Applying for Medi-Cal

Learn how to determine if you are eligible for Medi-Cal, and how to apply.

Older adults and adults with disabilities can also apply at our 2 Gough Service Center. 

If you are applying by mail, email, or fax, use the contact information below:

Human Services Agency
PO BOX 7988
San Francisco, CA 94120

Email: SFMedi-Cal@sfgov.org
Fax:  (415) 355-2432

Am I eligible for Medi-Cal?

Medi-Cal covers low-income adults, families with children, seniors, persons with disabilities, children in foster care, former foster youth up to age 26, and pregnant women.

The Affordable Care Act established a new methodology for determining income eligibility for Medical, which is based on Modified Gross Adjusted Income (MAGI). MAGI is the basis for determining Medi-Cal income eligibility for most children, pregnant women, parents and adults; this program exempts resources (like money in savings accounts or personal property) as an eligibility factor.

Individuals whose eligibility for Medi-Cal is based on blindness, disability or aged (65 or older) are exempt from the MAGI methodology; their eligibility is based on Non-MAGI rules.  Under Non-MAGI rules resources are counted. For resources requirements, see Medi-Cal resources guide.

Note: US citizenship and immigration status are not a condition of eligibility.  To learn more about how immigration status impacts your coverage, go to Frequently Asked Questions.

If you are not eligible for Medi-Cal

If you are not eligible for Medi-Cal, we can help refer you to affordable private health insurance offered by Covered California.

You can also click on these links for other helpful resources.

Covered California
Learn more about Covered California and how to enroll.

Healthy Kids
Provides assistance for individuals up to the age of 19 who are ineligible for Medi-Cal.

Medi-Cal Access Program (MCAP)
California's Insurance Program for mid-income pregnant women.

Healthy San Francisco
For single individuals with no health coverage.

After you apply

Once your application is received and assessed for eligibility, you will receive a Notice of Action listing each eligible individual in your household. If additional information is required to make a determination, a worker may contact you by mail or phone to request the needed information.

If you do not understand your Notice of Action letter or do not agree with the listed information, you can contact our office at (415) 558-4700. If you still disagree with the decision, you may file for a State Hearing by completing the back of your Notice of Action.

Every eligible person in your household will receive a Medi-Cal Benefits Identification Card (BIC). Take this card with you any time you see a health care provider.

Most individuals eligible for full scope Medi-Cal are required to choose a health plan. For more information call the Health Care Options office at (800) 430-4263.

Visit our Using Medi-Cal Benefits page for more information on specific services covered and how to access them.