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Who Qualifies for the MCAP?

To qualify for MCAP, you must be:

  1. Pregnant: You must be pregnant. The application date is the date the complete and eligible application is received by MCAP from Covered California.
  2. A California resident: A person living in California who plans to stay; and
  3. Not enrolled in other programs: You cannot be receiving no-cost Medi-Cal or Medicare Part A and Part B benefits as of the application date; and
  4. Not covered by any other health insurance plan: You cannot have other health insurance, unless your other health insurance plan doesn’t cover maternity services or has a maternity-only deductible or copayment greater than $500 as of your date of application. Your other insurance will be the primary insurance. MCAP will be the secondary insurance and when using MCAP services you will need to use MCAP providers. MCAP does not pay the other insurance co pay or deductible. and
  5. Within the MCAP income guidelines: You must have a Federal Modified Adjusted Gross Income within the MCAP income guidelines. Read about income guidelines at MCAP income guidelines.

The number of women enrolling in MCAP is limited by state funding. While adequate funding is generally available, once the program is full, you will not be enrolled even if you qualify and your application is complete. If this happens, you will be notified by mail, and your initial payment will be refunded.

Determine your Eligibility

To see if you qualify for MCAP:

  1. Meeting the MCAP Income Guidelines.
  2. Do you meet the MCAP eligibility guidelines?
  3. Apply for MCAP.