FAQs About Health Insurance Enrollment

Q. How long must a person live in California before being considered a legal California resident?
A. If you pay and file taxes in the state of California, you qualify as a legal resident. Please note however that for Medi-Cal eligibility, exceptions may apply. Please contact a Family Health Centers of San Diego Certified Enrollment Counselor at (619) 515-2363 for more information.

Q. When can I expect to hear from a Certified Enrollment Counselor after I contact them?
A. Patients can expect a call back within 48 hours.

Q. What languages are offered through the enrollment process?
A. English and Spanish

Q. For enrollment purposes in Covered California and Medi-Cal, do “spouses” include same-sex marriages and/or domestic partnerships?
A. Medi-Cal and Covered California consider same-sex partners as spouses for enrollment purposes.

Q. What constitutes “preventative care?”
A. Preventative care is defined as routine physicals, screenings (for HIV, sexually transmitted diseases, breast cancer, anemia, cholesterol, etc.), immunizations and chronic disease management (e.g. diabetes, asthma).

Q. How much does Covered California insurance cost?
A. Covered California costs are different for each individual since the cost is based on income and family size. Please contact our Certified Enrollment Counselors at (619) 515-2363 or enrollment@fhcsd.org for questions about the cost of Covered California health insurance plans.

Q. Can I keep my doctor if I enroll in a Covered California plan?
A. FHCSD Certified Enrollment Counselors can assist you in determining whether your doctor accepts a Covered California plan.

Q. How is Medi-Cal similar to private insurance?
A. Much like private insurance, Medi-Cal is comprehensive health coverage that provides access to a primary care provider, outpatient and inpatient services, dental and vision care and a wealth of other health care services.

Glossary of Health Care Terms

Pre-existing condition:
 a health or medical condition recognized by your health plan prior to receiving insurance

Lifetime or annual limits: a monetary limit on the services paid for by an insurer under his or her policy

Federal Poverty Level (FPL): the minimum amount of combined income a family or individual needs for clothing, food, transportation, housing and other basic necessities as determined by the federal government

Deductible: a specified amount of money that you must pay before an insurance company will pay an insurance claim

Out-of-pocket expenses: expenses paid with your own money instead of an insurance company’s

Life-changing event: an event or experience that changes a person’s life or circumstances in a substantial way (e.g. having a child, getting married, death of a loved one)