Know Your Rights: Consumer Health Coverage Info

The HCA is a network of ten consumer assistance programs operated by community-based legal services organizations across the state of California. The HCA offers free assistance online, over-the-phone or in-person at independent, community-based offices throughout the state, helping people who are struggling to get or maintain health coverage and resolve problems with their health plans. We also provide statewide policy advocacy to resolve systemic health care issues impacting Californians.

Our Health Care Practice Tip this month details these changes and more. One common unlawful provision found in many hospitals’ fair pricing policies is a specific time period to apply, often set at 150 days. These deadlines violate the Hospital Fair Pricing Act, which allows patients to apply for charity care or discounted payments at any time, without time limit.  Meanwhile, hospitals may still commence collection activity after the statutory time period has passed. The Health Care Practice Tip explains this issue.

This resource from Justice In Aging provides an overview of durable medical equipment (DME) coverage in California, including common eligibility requirements, authorization rules, and advocacy strategies. Learn how Medi-Cal and other health coverage programs address medical equipment needs and how advocates can help consumers access medically necessary devices and supplies.

Medicaid helps people live healthier and more economically secure lives. It increases the diagnosis and early treatment of chronic conditions, enhances educational achievement and future earnings for covered children, reduces health care inequities, and provides comprehensive, high-quality, and cost-effective care. In an updated series of fact sheets, NHeLP outlines the importance of Medicaid related to various populations groups and services Medicaid covers. In particular, the fact sheets focus on how funding caps in particular would impact Medicaid. The data from the “Medicaid Fast Facts” document and information from the 14 fact sheets emphasize the vital nature Medicaid plays in ensuring the health of those enrolled as well as their communities and states. A companion blog to this series can be found here.

Download the HCA FPL Chart 2026

Justice in Aging has produced these important fact sheets, on Open Enrollment for 2026 Coverage through Medicare & the Marketplace—Basics for Advocates and Coverage through Medicare & Covered California . These guides provide valuable information and resources every advocate should have to better understand the open enrollment process and various marketplace policies and rules.

Asset limits for Medi-Cal are changing in 2026. This fact sheet provides valuable information to help you understand how the asset limits are changing and if it will affect you. (Translations: Spanish)

Know Your Rights regarding your privacy information and what you need to provide as an immigrant when applying for healthcare coverage. This fact sheet is also available in the following translations: Korean, Simplified Chinese, Spanish, Traditional Chinese, Vietnamese

Justice in Aging’s new resource, Dual Eligible Special Needs Plan (D-SNP) State Medicaid Agency Contract Toolkit, provides advocates and State Medicaid Agency policymakers with principles and corresponding template language to develop SMACs that are responsive to the needs of the dually eligible populations that they serve. Stakeholders are encouraged to use this tool to advance their priorities, utilizing and tailoring the components that are most appropriate for their state’s integrated environments.

Starting January 1, 2025, two new policies will be implemented to improve enrollment in California’s Medicare Savings Programs, making Medicare more affordable by providing assistance with out-of-pocket costs such as premiums, co-pays, co-insurance, and deductibles for low-income individuals.

For more information, follow this link to Justice in Aging's Fact Sheet online or you can download it here.