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How do you pay for MCAP?

The total cost is 1.5% of MAGI. You don’t have to pay this all at once. MCAP will divide the total cost into 12 monthly installments for you.

Once you are accepted into MCAP, you will receive billing statements from the MCAP. You are responsible for making your monthly payments even if you do not receive our monthly bill. Payments must be received by the 1st of each month.

Mail your payments to:

Medi-Cal Access Program
P.O. Box 15207
Sacramento, CA 95851-0207

Or, you may choose to pay your 1.5% cost in one single payment with your application. A $50 discount will be given if you send your full 1.5% cost with your application.

Please remember that it is very important that you do not fall behind on your payments. This could negatively affect your credit rating. If you do not pay on time, reminder notices will be sent to you. You will be reported to a credit reporting agency if you are more than 90 days late. This may impact your ability to receive credit in the future when buying a car, home, or when applying for a credit card. If account is paid in full late, the credit reporting agency’s record will be updated but will still reflect the late payment.

It is against state regulations for any health care provider or any government entity to pay the cost for you. However, a federally recognized California Indian Tribal Government may make required subscriber contributions on behalf of a member of the tribe.

You must pay for MCAP even if you cancel your MCAP coverage

It is your responsibility to pay your full 1.5% cost even if you cancel MCAP for yourself on or after the first day your coverage begins. This also applies if you have complications with your pregnancy; or your pregnancy ends on or after your first day of coverage; or you choose not to use the services offered to you by the Program.

However, if your pregnancy ends within the first trimester and MCAP receives documentation, your subscriber contribution amount may be reduced to 1/3 of the original cost. You need to notify MCAP within 30 days after the end of your pregnancy. You may use the Early End of Pregnancy Form or you may use a different form as long as it contains the same information. MCAP will notify you if your cost has been reduced and will refund any overpayments.

The 1.5% cost you pay is a small portion of the amount the State pays for your health coverage.