How to Pay Your Monthly Premium

You can pay your monthly premium conveniently and securely.

What Is a Monthly Premium?

Premiums are monthly fees a subscriber pays to cover the basic costs of the health care package for themselves and any enrolled dependent(s). The subscriber must pay the health plan premiums directly to CalOptima Health when due. Some members may have premiums covered 100% by subsidies and are not required to make a monthly premium. Refer to the Evidence of Coverage for full information about premiums.

Paying Your Monthly Premium

Keeping your premium payments up to date helps you maintain your health coverage. You can make your premium payment using one of the available payment options below.

Your First Monthly Premium Payment

After you enroll in a CalOptima Health plan, you must make your first premium payment to activate your coverage. This first payment is sometimes called a binder payment.

Your coverage does not become active until your required first premium payment has been successfully processed. Be sure to make your payment by the deadline provided with your enrollment and billing information.

Questions? Call CalOptima Health Covered Customer Service toll-free at 1-888-312-2221 (TTY 711 if you are deaf or hard of hearing), Monday-Friday, 8 a.m. to 6 p.m.

How to Pay Your Monthly Premium

Pay Online

Make a secure payment online using an accepted payment method.

You can use the online payment option to:

Make a one-time payment
Pay your monthly premium
View available payment information
Set up recurring payments

Online Payment Portal

Pay by Phone

You may make a payment by phone using our automated payment system.

Call the CalOptima Health payment phone line at 1-844-722-3242, 24 hours a day, 7 days a week.

Have your member or subscriber information and payment information available when you call.

Pay by Mail

You can mail your premium payment to the payment address shown on your bill.

When paying by mail:

Include your payment coupon, if one was provided.
Write your member or subscriber ID on your payment.
Allow enough time for your payment to arrive and be processed before the due date.

Mail payments to:

CalOptima Health
PO Box 516072
Los Angeles, CA 90051

Do not mail cash.

Pay in Person

Payments can be made in person at the CalOptima Health office Monday-Friday between 8 a.m. to 5 p.m.:

CalOptima Health
500 City Parkway West
Orange, CA 92868

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More About Premium Payments

When Is My Premium Due?

Your premium due date is shown on your monthly bill. Please make your payment early enough for it to be received and successfully processed by the applicable deadline. If your payment is returned or cannot be processed, your premium will remain unpaid.

What Happens If I Miss a Payment?

If you do not pay your premium by the required deadline, your health coverage may be affected. Depending on your eligibility and whether you receive financial assistance through Covered California, you may have a grace period to bring your account current. If you receive a past-due or termination notice, follow the instructions on the notice and make the required payment as soon as possible.

Need Help With Your Payment?

If you have questions about:

Your premium amount
Whether we received your payment
Your current balance
A returned payment
Your payment due date
Setting up automatic payments

Call CalOptima Health Covered Customer Service toll-free at 1-888-312-2221 (TTY 711 if you are deaf or hard of hearing), Monday-Friday, 8 a.m. to 6 p.m.

Important

Making a payment does not necessarily mean your coverage is immediately active. Your payment must be successfully processed and applied to your account.

If you recently enrolled through Covered California and are making your first premium payment, please make sure you meet the payment deadline provided with your enrollment information.