Health Coverage · Checklist · Reviewed July 12, 2026
Medi-Cal and Covered California check
A first-step check for applying, renewing, replacing lost coverage, or using special enrollment.
Why it matters
Medi-Cal and Covered California share an application doorway. They are not the same coverage. Their enrollment clocks also work differently.
Official first stop
Start here
Find the right public office for everyday paperwork.
First moves
- 1
Start with the paper or event: a new application, renewal form, Notice of Action, employer coverage ending, Medi-Cal ending, or another life change.
- 2
You can apply for Medi-Cal at any time of year. Use the official online path or apply through the county by phone, mail, or in person.
- 3
Save the application date and confirmation. A general Medi-Cal decision can take up to 45 days. A disability-based application can take up to 90 days.
- 4
Medi-Cal renews at least once a year. If the county cannot renew from available records, it sends a renewal form for current or changed information.
- 5
Return a requested renewal form by the due date and keep the receipt. If coverage ended for missing renewal information, DHCS gives 90 days to provide it without a new application.
- 6
Use Covered California for marketplace plans. Most special-enrollment periods last 60 days after the qualifying life change.
- 7
Loss of Medi-Cal or employer coverage can open special enrollment. Keep the notice showing the coverage and end date.
- 8
Before choosing a plan, check the premium, deductible, network, and prescriptions. Confirm the coverage start date too. A certified enroller can provide enrollment help.
Watch for
- 1
Medi-Cal can be applied for year-round. Covered California marketplace enrollment outside open enrollment generally needs a qualifying life event.
- 2
Most Covered California special-enrollment periods are 60 days, but the event and exception control the real window.
- 3
Not paying a COBRA premium is not treated as loss of coverage for Covered California special enrollment.
- 4
Medi-Cal rules can differ by age, pregnancy, immigration category, disability, income, and application date. Use current DHCS guidance.
- 5
Report household changes to the county. DHCS says changes generally must be reported within 10 days.
- 6
A Medi-Cal Notice of Action, health-plan grievance, and Covered California appeal can use different paths.
- 7
If care cannot wait, use the provider, plan, county, or emergency path that fits the need. A website page should not delay urgent care.