How to apply for Medi-Cal for Seniors (Aged & Disabled FPL Program) in California

Who it's for

Medi-Cal is California's Medicaid program. The Aged, Blind & Disabled Federal Poverty Level pathway covers seniors 65+ and people who are blind or disabled, providing comprehensive health coverage — doctor visits, hospital care, prescriptions, dental, vision, mental health, and long-term care — usually with no monthly premium. The income limit is 138% of the federal poverty level. California reinstated an asset limit for non-MAGI Medi-Cal programs (including this one) on January 1, 2026: $130,000 for a single applicant, plus $65,000 for each additional household member (so $195,000 for a couple). Current enrollees won't have assets reviewed until their first 2026 renewal; new applicants on or after January 1, 2026 must report assets at application.

What you'll need

• Proof of identity (driver's license or state ID)
• Proof of California residency
• Social Security number
• Proof of income (Social Security award letter, pay stubs, pension statements)
• Tax return from the most recent year (if filed)
• Documentation of assets — bank statements, retirement accounts, investments (applies to new applicants and at 2026 renewals)

Where to apply

What to say when you call

"Hello, I'm calling to ask about Medi-Cal for Seniors (Aged & Disabled FPL Program). I'd like to know whether I may qualify, what documents I need, and whether I can apply online, by mail, by phone, or in person. I understand I may need proof of identity (driver's license or state ID), proof of California residency, social Security number — is anything else required? What is the best next step?"

Tip: have a pen ready, ask for the person's name, and write down any case or reference number they give you.

Step by step

1. Gather your required documents before you start: a driver's license or state ID for proof of identity, proof of California residency, your Social Security number, proof of income (such as a Social Security award letter, pay stubs, or pension statements), your most recent tax return if you filed one, and documentation of assets such as bank statements, retirement account statements, and investment records.
2. Check whether the asset rules apply to you. If you are a new applicant on or after January 1, 2026, you must report your assets at the time you apply. The asset limit is $130,000 for a single applicant, plus $65,000 for each additional household member. If you are already enrolled, your assets will not be reviewed until your first renewal in 2026.
3. Note the spousal long-term care protections if you are married and one spouse needs long-term care. Federal spousal-impoverishment rules protect the spouse who stays at home. In 2026, that spouse may keep up to $162,660 in countable assets plus a minimum monthly income allowance, while the spouse who needs care may still qualify. The state Medicaid agency calculates the exact protected amount. This is not legal or financial advice — consider speaking with a benefits counselor for your specific situation.
4. Choose how you want to apply: online through the official California application portal, or by phone at 1-800-541-5555.
5. Complete the application by answering all questions about your identity, residency, income, and — if required — your assets. Have your documents ready so you can enter the information accurately.
6. Submit your application and keep a copy of your confirmation or any reference number you receive for your records.
7. Respond promptly if the county or state contacts you to request additional information or verification documents, as delays in responding can slow down your application.

What to expect: After you submit your application, the county will review your information and may contact you if additional documents or clarification are needed — processing times vary, so ask the agency for an estimate when you apply. If approved, you will receive a notice explaining your coverage start date and any cost-sharing that applies; most enrollees pay no monthly premium. Medi-Cal coverage must be renewed every year. At your first renewal in 2026, current enrollees will have their assets reviewed for the first time under the reinstated asset rules, so it is a good idea to keep your asset documentation organized and up to date.

Renewals

annual

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