Editing How to Apply for Medi Cal (section)

== Deadlines and Important Considerations ==

* '''No Open Enrollment Period:''' Unlike private insurance, Medi-Cal has '''no specific enrollment period or deadline – you can apply at any time year-round'''. If you need coverage, you do not have to wait for an open enrollment season. However, if you’re also considering a Covered California health plan, keep in mind those plans do have an open enrollment window each year (and special enrollment periods for qualifying life events). Medi-Cal, though, is available whenever you qualify.
* '''Processing Time and Follow-Up:''' As noted, most applications are processed within 45 days (90 days if disability-related). During this time, be sure to '''check your mail and messages''' frequently in case the county requests additional information. Missing a deadline to return requested documents can delay your application or even result in a denial. If you receive a request and don’t understand it, contact the county immediately for clarification or assistance. It’s important to respond '''before the due date''' on any correspondence.
* '''Retroactive Coverage:''' Medi-Cal can cover '''medical expenses from up to 3 months before the month you applied''', if you were eligible in those months. This is called '''retroactive Medi-Cal'''. If you have any unpaid doctor or hospital bills in the 3 months prior to your application, be sure to '''let the county know or indicate it on your application'''. They will evaluate those past months as well, and if you would have qualified, Medi-Cal will cover those expenses retroactively. You typically need to request retroactive coverage within 1 year of the service date, so don’t delay if you have past bills.
* '''Reporting Changes:''' Once your application is in process (and after you’re enrolled), keep your information up to date. If you move to a new address, get married/divorced, have a baby, or experience a change in income, '''notify your county Medi-Cal office''' as soon as possible. Keeping your contact info current is crucial so that you receive important notices and renewal forms.
* '''Annual Renewal:''' Medi-Cal eligibility is '''renewed yearly''', so after you’re approved, you will need to go through a redetermination each year (usually around the same time of year as your initial approval). The county will mail you a renewal form or a notice if they can auto-renew you. Be sure to complete any renewal paperwork by the deadline to avoid interruptions in coverage. (If you keep your income and household info updated, the renewal can often be done automatically via data sources, but you’ll want to watch for the notice.) Missing a renewal can cause a loss of Medi-Cal, but there are grace periods and appeal rights if that happens.
* '''If Denied:''' If you are denied Medi-Cal but you believe you qualify, you have the right to appeal the decision (the denial notice will have instructions for a '''State Fair Hearing'''). Also, if your income is above Medi-Cal limits, you may be eligible for subsidized health insurance through Covered California. In many cases, the Covered California system will automatically consider you for other programs if Medi-Cal isn’t an option. So, a denial of Medi-Cal could mean you qualify for discounted premiums on a marketplace health plan instead. Don’t go without coverage – explore those alternatives if needed.