Healthy Families Program
From Korean Resource Center
The Healthy Families Program (HFP) provides low-cost health insurance for many low-income children. With Healthy Families, a family pays a small amount each month to receive health care for their children. In the future, parents, related adults and foster parents caring for children may also be able to get this insurance.
Community organizations, including the Korean Resource Center, provide assistance with HFP applications.
Am I eligible?
To be eligible the applicants must be low-income, uninsured California resident children, ages 1 to 19, who are not eligible for free Medi-Cal (Medi-Cal without a "Share of Cost") and who have had no other health insurance. The child must be without employer or private health insurance for at least three months before the application, with some exceptions. The child can obtain three months of retroactive Medi-Cal prior to becoming eligible for Healthy Families, or can be on "Share of Cost" Medi-Cal. Eighteen-year-olds can apply on their own. The child stays eligible for 12 months continuously once it is decided that he or she is eligible, even if the income changes.
To be eligible for Healthy Families, the monthly income must be between the amounts in the chart below:
The cost of the items you own ("resources") does not count against you.
You must sign a statement that each person who is applying for Healthy Families intends to stay in California with no plans to leave. Immigrant children can be eligible if they are "qualified" immigrants.
What Does It Cost?
Depending on your income and which plan you choose, you will pay a premium of $4 to $9 per month for each child. However, you will never pay more than $27 a month, no matter how many children are covered. Also, if a family pays three months of premium in advance, they will get a fourth month of coverage for free. If a family pays 9 months in advance, they get 12 months of coverage. Except for the first month, you can pay your premiums at Rite Aid stores.
There is also a $5 so-payment for most outpatient services such as doctor's office visits, but not for preventive services like immunizations and dental check-ups. However, there is a "cap" or upper limit for these co-payments of $250 per family per year, so all receipts should be kept.
What Are the Benefits?
The program offers health, dental, mental health, and vision services. You can not get the same amount and kind of services form Healthy Families as you can from Medi-Cal, especially for mental health and substance abuse treatment. If your family is eligible for Medi-Cal with a Share of Cost, consider carefully what services your children need before choosing Healthy Families. You may have "Share of Cost" Medi-Cal and Healthy Families at the same time.
Keeping HFP While Your Child Qualifies for Medi-Cal
If your child is found to be ineligible for Healthy Families at the annual re-determination (e.g. because your family income goes down), your child should keep Healthy Families coverage for up to 2 months while the information is send to the county (with your permission) to determine of your child is eligible for no-cost Medi-Cal. This is called the "Bridging Program." You should not be required to apply separately for Medi-Cal or to provide any information again, unless the county needs more information from you to determine eligibility.
What is the application process?
How can I get more information?
How can I download documents related to HFP?
Get assistance applying
To get assistance from KRC in applying for Healthy Families, please make an appointment request here or by calling us at 323-937-3718.