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.
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.
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.
Make a secure payment online using an accepted payment method.
You can use the online payment option to:
Online Payment Portal
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.
You can mail your premium payment to the payment address shown on your bill.
When paying by mail:
Mail payments to:
CalOptima Health
PO Box 516072
Los Angeles, CA 90051
Do not mail cash.
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
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.
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.
If you have questions about:
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.
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.