Coverage Basics

It is important to understand the big changes that impacted the health insurance marketplace:

Coverage Levels: Most health insurance plans must now be classified as one of four levels of coverage: Bronze, Silver, Gold or Platinum. In addition to those four levels of coverage, a minimum coverage plan is available to those who are younger than 30 or can provide certification that they are without affordable coverage or are experiencing hardship.
Essential Health Benefits: All health insurance plans offered in the individual and small-group markets must provide a comprehensive package of items and services, known as essential health benefits. These benefits fit into 10 categories, and include services like prescription drugs, mental health, maternity Care, pediatric services, and emergency services.

Coverage Levels

All health plans in the individual and small group markets are sold in four levels of coverage: Bronze, Silver, Gold and Platinum. As the metal category increases in value, so does the percentage of medical expenses that a health insurance plan covers compared with what you are expected to pay in co-pays and deductibles. Plans in higher metal categories have higher monthly premiums, but when you need medical care, you pay less. Alternately, you can choose a health plan with a lower monthly premium, but pay a higher out of pocket costs for your medical care when you need it. You can choose the level of coverage that best meets your health needs and budget.

Minimum coverage plan: If you’re under 30, you may be eligible to buy an additional health insurance plan option called minimum coverage plan. These plans usually have lower premiums and mostly protect you from worst-case scenarios. Minimum coverage plans provided through the CA Health Benefit Exhange cover 3 doctor visits or urgent care visits, including outpatient mental health/substance use visits, with no out-of-pocket costs, and free preventive benefits. All other services will be full price but at the negotiated in-network price, until you spend the plan's out of pocket maximum, after which all in-network services are covered at 100 percent.
Bronze plan: On average, your health plan pays 60 percent and you pay 40 percent.
Silver plan: On average, your health plan pays 70 percent and you pay 30 percent. (In some cases, individuals may qualify for an Enhanced Silver plan. This means, based on their income, that when an individual chooses a Silver plan, they have out-of-pocket savings through lower co-pays, co-insurance and deductibles. Individuals in these categories get the out-of-pocket savings benefit of a Gold or Platinum plan for a Silver plan price. With an Enhanced Silver plan, on average, the plan pays 94 percent, 87 percent or 73 percent of expenses in total for covered benefits, with enrollees responsible for the rest.)
Gold plan: On average, your health plan pays 80 percent and you pay 20 percent.
Platinum plan: On average, your health plan pays 90 percent and you pay 10 percent.

Essential Health Benefits

All health insurance plans now share some common characteristics. The Affordable Care Act requires that all health insurance plans offered in the individual and small-group markets must provide a comprehensive health benefits package of items and services, known as the essential health benefits.

These benefits fit into the following ten categories:

Ambulatory patient services.
Emergency services.
Hospitalization.
Maternity and newborn care.
Mental health and substance use disorder services, including behavioral health treatment.
Prescription drugs
Rehabilitative services and devices.
Laboratory services.
Preventive and wellness services and chronic disease management.
Pediatric services, including dental and vision care.

Prescription Drugs

The ACA requires health insurance plans to include ten essential health benefits, one of which is prescription drug coverage. Health insurance plans cover many prescription drugs (also known as prescription medications) at various costs to the enrollee. The set of prescription drugs covered by a health insurance plan may also be called a formulary, prescription drug list, outpatient prescription drug list, or select drug list.

Some health insurance plans refer to the "Select Drug List" or "Drug Tiers" in their formulary. The Select Drug List is a list of brand-name and generic drugs that have been approved by the U.S. Food and Drug Administration (FDA) and have been reviewed and recommended for their quality.

Some health insurance plan formularies refer to FDA Drug Tiers. Drugs on the U.S. Food and Drug Administration (FDA) Select Drug List are grouped into tiers. Several factors determine which tier a drug is placed in. These factors include:

The cost of the drug.
The cost of the drug in comparison to other drugs used for the same type of treatment.
The availability of over-the-counter options.
Other clinical and cost factors.

Prescription drug lists are changed frequently. For the most current information, a consumer should confirm coverage and out-of-pocket cost with their specific health insurance plan before filling prescriptions.

Prescription Drugs Not Covered by a Health Plan

For medications that a plan does not cover, consumers should contact their health insurance plan's customer service representative and ask specifically about the medication needed. It is important to describe the exact health insurance plan, because health insurance companies have many health insurance plans and products. If the exact medication is not available, a consumer may ask to identify substitutes and associated out of pocket costs or expenses.

The next option for a consumer is to ask their physician if any of the alternatives are a reasonable substitute for the specific situation. If not, a consumer should ask their physician if he or she would be willing to file an appeal to get an exception.

Health insurance plan formularies will include drug coverage for most types of conditions. For help talking to a health insurance company, contact the Health Consumer Alliance, which provides free local assistance to California health insurance plan members. Visit the Health Consumer Alliance website or call (888) 804-3536.

Prescription Drug Costs

Generic drugs are the cheapest, preferred drugs are more expensive, and non-preferred brand drugs and specialty drugs are the most expensive options.

Brand-Name Drugs

Brand-name drugs have been developed by a company that holds the rights to sell them. When the rights expire, other drug companies can make a copy of the brand drugs (generics). Brand-name drugs may be more familiar to a consumer because they are advertised more frequently. Also, brand name drugs are usually more expensive than generics.

Generic Drugs

Generics are either copies of brand-name drugs, or brand-name drugs with patents that have expired. Brand-name and generic drugs have the same active ingredients, strength and dose. The U.S. Food and Drug Administration requires that generic drugs meet the same high standards for purity, quality, safety and strength. Generic drugs are almost always less expensive than brand-name drugs.

Preferred, Non-Preferred and Specialty Drugs

Health insurance plans often structure their formularies into pricing groups. Some drugs are in lower priced groups and cost consumers less money. Other drugs are in higher priced groups and cost consumers more money. Preferred drugs are usually the cheapest for the consumer and the insurance company. Non-preferred and specialty drugs are the most expensive, both for the consumer and the insurance company.

COBRA vs. Individual Health Coverage

The Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) requires most employers with group health insurance plans to offer their employees the opportunity to continue their health coverage under their employer's plan even after they have been terminated, laid off or had another change in their employment status.

When employers offer health coverage to their employees, they usually pay part of the monthly premium for their employees. If an employee loses his or her job, COBRA allows the employee to continue to be in the employer's group health plan, usually at the full cost of the premium (with no employer contribution), and with an administrative fee added.

Consumers are not obligated to participate in COBRA after leaving a job. If a consumer declines the initial offer of COBRA and is therefore newly uninsured, then he or she will qualify for special enrollment in a California health insurance plan outside of the annual open-enrollment period. To take advantage of the special-enrollment opportunity, they must apply for and select a California plan no later than 60 days after their employer-sponsored coverage ends.

Enrolling in COBRA vs. Enrolling in a CA Health Insurance Plan

The choice of whether to enroll in coverage through COBRA or through and Individual California Plan is up to the consumer, but here are some factors to consider:

The network of doctors and hospitals available in each plan.
The total monthly premium for the consumer and his or her dependents.
The co-pays and deductibles in the various plans.

Depending on their income, consumers may qualify for tax credits to help pay for a health insurance plan with a plan in the California Health Insurance Exchange / Marketplace. These tax credits may make a difference when comparing the costs of COBRA coverage & CA Health Benefit Exchange plans.

Under the Patient Protection and Affordable Care Act, if a consumer goes without health insurance coverage, they may face a tax penalty when they pay their taxes. Both COBRA coverage and Health Benefit Exchange plans qualify as sufficient coverage under the Affordable Care Act to avoid the consumer being charged the penalty, so consumers should choose their coverage based on cost and on the doctors and medical services that are best for them.

Cancelling COBRA to Enroll in the California Health Exchange / Marketplace

Once a consumer has enrolled in COBRA coverage, they cannot drop their COBRA plan and enroll in an Exchange plan unless it is an open-enrollment period for the CA Health Insurance Exchange / Marketplace.

If the consumer stops paying his or her COBRA premium and loses coverage (or if the employer has agreed to pay for a limited time and stops paying after that time period has ended, and the consumer does not continue the payments), the consumer will not be eligible for special enrollment. They will only qualify for special enrollment if:

Someone else responsible for remitting payments for their COBRA premium (for example, their former employer) fails to do so on a timely basis.
The COBRA beneficiary moves out of the plan coverage area, and there is no COBRA continuation coverage available.
The beneficiary has reached the plan's lifetime limit for benefits.

If none of these reasons apply, the consumer will have to wait until the next open-enrollment period to cancel their COBRA plan and sign up for a CA health insurance plan, unless the consumer has another reason for special enrollment. It's also important for consumers to know that if they decide to drop or forgo COBRA and enroll in a Covered California plan, they cannot change their mind and go back to COBRA.

Special Enrollment

Getting Covered Outside of the Open-Enrollment Period

Below is a list of common types of qualifying life events for special enrollment that apply year-round.

Losing health coverage. For example, consumers are no longer eligible for Medi-Cal, or they lose health coverage through their job.

Income changes so much that a consumer becomes newly eligible or ineligible for help paying for their insurance. For example, if a consumer is already getting help paying for their insurance premium, and their income goes down, they may be able to get extra help.

Turning 26 years old and are no longer eligible to stay on your parents’ plan.
Change in place of residency, which allows a consumer to gain access to new California health insurance plans. This includes moving to California from another state. This also applies to individuals who are released from jail or prison.

Having a child or adopting a child, receiving a child into foster care, or placing a child in adoption or in a foster home.
Getting married or entering into a domestic partnership.
Becoming citizens, national or lawfully present individuals. This event applies only to people who were not previously citizens, nationals or lawfully present.
Being a member of a federally recognized American Indian or Alaska Native tribe. A consumer in this category may enroll in health insurance or change health insurance plan once a month even if the open enrollment period is over.
The Health Benefit Exchange can also determine, on a case-by-case basis, that the consumer experienced an exceptional circumstance, which could allow for a special enrollment period.

These are just some of the more common qualifying life events.

Signing Up for Health Insurance or Changing Health Insurance Plans After a Qualifying Life Event

Consumers have 60 days from the date on which the qualifying life event happens to enroll in a California health insurance plan or change their existing health plan. If they do not get health coverage, they may have to pay a tax penalty.

If 60 days pass and consumers do not sign up for health coverage, they will have to wait until the next open enrollment period.

Keep in mind that consumers can enroll in Medi-Cal at any time. They do not need a special enrollment period to enroll in Medi-Cal.

Start Dates for Coverage

Consumers will need to plan ahead to avoid gaps in health coverage. It helps to know that in general, the start date for coverage depends on the date of enrollment. For most qualifying life events, if consumers enroll by the 15th day of the month, their coverage will start on the first day of the next month. If consumers enroll after the 15th day of the month, their coverage will start on the first day of the second month.

But there are a few exceptions to the start date rule:

A consumer loses Medi-Cal coverage, job-based coverage or other coverage, and they use a special enrollment period, their coverage would start on the first day of the next month following plan selection, regardless of when during the month they make their plan selection.
A consumer gets married and uses a special enrollment period, their coverage will start on the first day of the next month following their plan selection, regardless of when during the month they make their plan selection.
A consumer adopts a child or places a child in adoption or foster care, and they use a special enrollment period, their coverage starts on the date of the birth, the adoption or the placement for adoption or foster care.
On a case-by-case basis, the California Health Benefit Exchange may start consumers’ coverage earlier.

CALIFORNIA LOW COST HEALTH INSURANCE CA TERRITORIES

ACAMPO 95220
ACTON 93510
ADELAIDE 93446
ADELANTO 92301
ADIN 96006
AGUA DULCE 91350
AGUANGA 92536
AHWAHNEE 93601

ALAMEDA COUNTY
ALAMO 94507
ALBANY 94706
ALBION 95410
ALHAMBRA 91801
ALHAMBRA 91803
ALISO VIEJO 92656
ALLEGHANY 95910
ALPINE 91901

ALPINE COUNTY
ALTA 95701
ALTA LOMA 91701
ALTA LOMA 91737
ALTADENA 91001
ALTURAS 96101
ALVISO 95002

AMADOR COUNTY
AMBOY 92304
AMERICAN CANYON 94589
ANAHEIM 92801
ANAHEIM 92802
ANAHEIM 92804 - 92808
ANDERSON 96007
ANGELS CAMP 95222
ANGELUS OAKS 92305
ANGWIN 94508
ANNAPOLIS 95412
ANTIOCH 94509
ANZA 92539
APPLE VALLEY 92307-92308
APPLEGATE 95703
APTOS 95003
ARBUCKLE 95912
ARCADIA 91006
ARCADIA 91007
ARGUS 93562
ARLETA 91331
ARMONA 93202
AROMAS 95004
ARVIN 93203
ATASCADERO 93422
ATHERTON 94027
ATWATER 95301
AUBERRY 93602
AUBURN 95603
AVALON 90704
AVENAL 93204
AZUSA 91702
BAKER 92309
BAKERSFIELD 93301
BAKERSFIELD 93304
BAKERSFIELD 93306 - 93309
BALLARD 93463
BALLICO 95303
BANGOR 95914
BANNING 92220
BARDSDALE 93015
BARSTOW 92311
BASS LAKE 93604
BASSETT 91746
BAYSIDE 95524
BEAR VALLEY 95223
BEAUMONT 92223
BELDEN 95915
BELL GARDENS 90201
BELLA VISTA 96008
BELLFLOWER 90706
BELMONT 94002
BELVEDERE 94920
BEN LOMOND 95005
BENICIA 94510
BENTON 93512
BERKELEY 94702 - 94705
BERKELEY 94709
BERKELEY 94710
BERRY CREEK 95916
BEVERLY HILLS 90210
BEVERLY HILLS 90211
BEVERLY HILLS 90212
BIG BAR 96010
BIG BEAR CITY 92314
BIG PINE 93513
BIG RIVER 92242
BIG SUR 93920
BIGGS 95917
BIRDS LANDING 94512
BLOOMINGTON 92316
BLUE LAKE 95525
BLYTHE 92272
BODEGA 94922
BODEGA BAY 94923
BODFISH 93205
BOLINAS 94924
BONITA 91902
BONSALL 92003
BOONVILLE 95415
BORON 93516
BORREGO SPRINGS 92004
BOULDER CREEK 95006
BOULEVARD 91905
BRADBURY 91010
BRADLEY 93426
BRANSCOMB 95417
BRAWLEY 92227
BREA 92621
BRENTWOOD 94513
BRIDGEPORT 93517
BRISBANE 94005
BROOKS 95606
BROWNS VALLE 95918
BROWNSVILLE 95919
BRYTE 95605
BUELLTON 93427
BUENA PARK 90620
BUENA PARK 90621
BURBANK 91501
BURBANK 91502
BURBANK 91504 - 91506
BURNEY 96013
BURNT RANCH 95527
BUTTE CITY 95920

BUTTE COUNTY
BUTTE MEADOWS 95942
BUTTONWILLOW 93206
BYRON 94514
CABAZON 92230
CALABASAS 91302

CALAVERAS COUNTY
CALEXICO 92231
CALIFORNIA 93505
CALIFORNIA HOT S 93207
CALIFORNIA STATE 91330
CALIFORNIA VALLE 93453
CALIMESA 92320
CALIPATRIA 92233
CALISTOGA 94515
CALLAHAN 96014
CALPINE 96124
CALWA 93725
CAMARILLO 93010
CAMARILLO 93012
CAMBRIA 93428
CAMERON PARK 95682
CAMINO 95709
CAMPBELL 95008
CAMPO 91906
CAMPTONVILLE 95922
CANBY 96015
CANOGA PARK 91303
CANOGA PARK 91304
CANTIL 93519
CANTUA CREEK 93608
CANYON COUNTRY 91351
CANYON LAKE 92587
CANYONDAM 95923
CAPAY 95607
CAPISTRANO BEACH 92624
CAPITOLA 95010
CARDIFF BY THE S 92007
CARLOTTA 95528
CARLSBAD 92008
CARLSBAD 92009
CARMEL 93923
CARMEL VALLEY 93924
CARMICHAEL 95608
CARNELIAN BAY 96140
CARPINTERIA 93013
CARSON 90745
CARSON 90746
CARSON 90810
CARUTHERS 93609
CASPAR 95420
CASSEL 96016
CASTAIC 91384
CASTRO VALLEY 94546,94552
CASTROVILLE 95012
CATHEDRAL 92234
CATHEYS VAL. 95306
CAYUCOS 93430
CAZADERO 95421
CEDARVILLE 96104

CENTRAL CA

CENTRAL CAL

CENTRAL CALIFORNIA

CENTRAL VALLEY
CERES 95307
CERRITOS 90623
CERRITOS 90701
CHATSWORTH 91311
CHESTER 96020
CHICO 95928
CHILCOOT 96105
CHINA LAKE NWC 93555
CHINESE CAMP 95309
CHINO 91710
CHINO HILLS 91709
CHIRIACO SUMMIT 92201
CHOLAME 93431
CHOWCHILLA 93610
CHUALAR 93925
CHULA VISTA 91910
CHULA VISTA 91911
CHULA VISTA 91913 - 91915
CITRUS HEIGHTS 95610
CITRUS HEIGHTS 95621
COMMERCE 90040
CIVIC CENTER 94903
CLAREMONT 91711
CLARKSBURG 95612
CLAYTON 94517
CLEARLAKE 95422
CLEARLAKE OAKS 95423
CLIO 96106
CLOVERDALE 95425
CLOVIS 93612
COACHELLA 92236
COALINGA 93210
COARSEGOLD 93614
COAST GUARD ISLA 94501
COHASSET 95926
COLD SPRINGS 95335
COLE 90046
COLEVILLE 96107
COLLEGE HEIGHTS 93305
COLMA 94014
COLUMBIA 95310
COLUSA 95932

COLUSA COUNTY
COMPTCHE 95427
CONCORD 94518
CONCORD 94519
CONCORD 94520
CONCORD 94521

CONTRA COSTA COUNTY
COOL 95614
COPPEROPOLIS 95228
CORCORAN 93212
CORNING 96021
CORONA 91719
CORONA 91720
CORONA DEL MAR 92625
CORONADO 92118
CORTE MADERA 94925
COSTA MESA 92626
COSTA MESA 92627
COSTA MESA 92628
COTATI 94931
COTO DE CAZA 92679
COTTONWOOD 96022
COULTERVILLE 95311
COURTLAND 95615
COVELO 95428
COVINA 91722
COVINA 91723
COVINA 91724
COWAN HEIGHTS 92705
COYOTE 95013
CRESCENT CITY 95531
CRESCENT MILLS 95934
CRESTON 93432
CROCKETT 94525
CROMBERG 96103
CROWLEY LAKE 93546
CROWS LANDING 95313
CRYSTALAIRE 93544
CULVER CITY 90230
CULVER CITY 90232
CUTLER 93615
CUYAMA 93214
CYPRESS 90630
DAGGETT 92327
DALY CITY 94015
DANVILLE 94526
DAVENPORT 95017
DAVIS 95616
DAVIS CREEK 96108
DEATH VALLEY 92328
DEL MAR 92014

DEL NORTE COUNTY
DEL REY 93616
DEL REY OAKS 93940
DELANO 93215
DELHI 95315
DENAIR 95316
DESCANSO 91916
DESERT HOT SPRIN 92240
DI GIORGIO 93217
DIABLO 94528
DIAMOND BAR 91765
DIAMOND BAR 91789
DIAMOND SPRINGS 95619
DINUBA 93618
DOBBINS 95935
DOS PALOS 93620
DOS RIOS 95429
DOUGLAS CITY 96024
DOWNEY 90240 - 90242
DOWNIEVILLE 95936
DOYLE 96109
DUBLIN 94568
DULZURA 91917
DUNLAP 93621
DUNNIGAN 95937
DUNSMUIR 96025
DURHAM 95938
DUTCH FLAT 95714
EAGLE MOUNTAIN 92239
EARLIMART 93219
EAST HIGHLAND 92346
EAST LOS ANGELES 90022
EAST PALO ALTO 94303
EAST RANCHO DOMI 90221
EASTON 93706
ECHO LAKE 95721
EDGEWOOD 96094
EL CAJON 92019 - 92021
EL CENTRO 92243
EL CERRITO 94530

ELDORADO

ELDORADO COUNTY

EL DORADO COUNTY
EL DORADO HILLS 95630
EL MONTE 91731
EL MONTE 91732
EL SEGUNDO 90245
ELIZABETH LAKE 93532
ELK 95432
ELK CREEK 95939
ELK GROVE 95624
ELK GROVE 95758
ELVERTA 95626
EMERYVILLE 94608
EMIGRANT GAP 95715
ENCINITAS 92024
ENCINO 91316
ENCINO 91436
ESCALON 95320
ESCONDIDO 92025 - 92027
ESCONDIDO 92027 - 92029
ESPARTO 95627
ESSEX 92332
ETIWANDA 91739
EUREKA 95501
EXETER 93221
FAIR OAKS 95628
FAIRFAX 94930
FAIRFIELD 94533
FALL RIVER MILLS 96028
FALLBROOK 92028
FARMERSVILLE 93223
FARMINGTON 95230
FELICITY 92283
FELLOWS 93224
FELTON 95018
FERNDALE 95536
FIDDLETOWN 95629
FIG GARDEN VILLA 93704
FIREBAUGH 93622
FISH CAMP 93623
FLINTRIDGE 91011
FLORISTON 96111
FONTANA 92335
FONTANA 92336
FOOTHILL RANCH 92610
FORBESTOWN 95941
FOREST FALLS 92339
FOREST KNOLLS 94933
FORESTHILL 95631
FORESTVILLE 95436
FORKS OF SALMON 96031
FORT BIDWELL 96112
FORT BRAGG 95437
FORT IRWIN 92310
FORT JONES 96032
FORT ORD 93941
FORTUNA 95540
FOSTER 94404
FOUNTAIN VALLEY 92708
FOWLER 93625
FRAZIER PARK 93225
FREEDOM 95019
FREESTONE 95472
FREMONT 94536 - 94539
FREMONT 94555
FRENCH CAMP 95231
FRENCH GULCH 96033
FRESNO 93701 - 93711
FRESNO 93720 - 93723
FRESNO 93726 – 93728

FRESNO COUNTY
FRIANT 93626
FULLERTON 92631 - 92632
FULLERTON 92633 - 92635
FULTON 95439
GALT 95632
GARDEN GROVE 92640 - 92641
GARDEN GROVE 92643 - 92645
GARDEN VALLEY 95633
GARDENA 90247
GARDENA 90248
GARDENA 90249
GASQUET 95543
GAZELLE 96034
GEORGE AFB 92394
GEORGETOWN 95634
GERBER 96035
GEYSERVILLE 95441
GIANT FOREST 93262
GILMAN HOT SPRIN 92583
GILROY 95020
GLEN ELLEN 95442
GLENCOE 95232

GLENDALE 91201-91209
GLENDORA 91740
GLENHAVEN 95443
GLENN 95943

GLENN COUNTY
GLENNVILLE 93226

GOLD RIVER 95670
GOLD RUN 95717
GOLETA 93117
GONZALES 93926
GOODYEARS BAR 95944
GORMAN 93243
GRANADA HILLS 91344
GRAND TERRACE 92324
GRASS VALLEY 95945
GRASS V. 95949
GRATON 95444
GREENACRES 93312
GREENFIELD 93927
GREENVILLE 95947

GREENWOOD 95635
GRENADA 96038

GRIDLEY 95948
GRIZZLY FLATS 95636
GROVELAND 95321
GROVER BEACH 93433
GUADALUPE 93434
GUALALA 95445
GUERNEVILLE 95446
GUINDA 95637
GUSTINE 95322
HACIENDA HEIGHTS 91745
HALCYON 93420
HALF MOON BAY 94019
HANFORD 93230
HAPPY CAMP 96039
HARBOR CITY 90710
HAT CREEK 96040
HAVILAH 93518
HAWAIIAN GARDENS 90716
HAYFORK 96041
HAYWARD 94541
HAYWARD 94542
HAYWARD 94544
HAYWARD 94545
HAZARD 90063
HEALDSBURG 95448
HEBER 92249
HELENA 96048
HELENDALE 92342
HELM 93627
HEMET 92543
HEMET 92544
HEMET 92545
HERALD 95638
HERCULES 94547
HERLONG 96113
HERMOSA BEACH 90254
HESPERIA 92345
HI VISTA 93535
HICKMAN 95323
HILLSBOROUGH 94010
HILMAR 95324
HINKLEY 92347
HOLLISTER 95023
HOLLY PARK 90250
HOLTVILLE 92250
HOMELAND 92548
HOMEWOOD 96141
HOOPA 95546
HOPE VALLEY 96120
HOPLAND 95449
HORNBROOK 96044
HORNITOS 95325
HORSE CREEK 96045
HUGHSON 95326

HUMBOLDT COUNTY
HUNTINGTON BEACH 92646
HUNTINGTON BEACH 92647
HUNTINGTON BEACH 92648
HUNTINGTON BEACH 92649
HUNTINGTON PARK 90255
HURON 93234
HYDESVILLE 95547
IDYLLWILD 92549
IGO 96047
IMPERIAL 92251

IMPERIAL COUNTY
IMPERIAL BEACH 91932
INDEPENDENCE 93526
INDIAN WELLS 92210
INDUSTRY 91744
INGLEWOOD 90301
INGLEWOOD 90302
INGLEWOOD 90303
INGLEWOOD 90305

INYO COUNTY
INVERNESS 94937
IONE 95640
IOWA HILL 95713
IRVINE 92714
IRVINE 92715
IRVINE 92718
IRVINE 92720
IRWINDALE 91706
ISLETON 95641
IVANHOE 93235
JACKSON 95642
JACUMBA 91934
JAMESTOWN 95327
JAMUL 91935
JANESVILLE 96114
JENNER 95450
JOHANNESBURG 93528
JOSHUA TREE 92252
JULIAN 92036
JUNE LAKE 93529
JUNIPER HILLS 93543
JUNIPER HILLS 93553
KEENE 93531
KELSEY 95643
KELSEYVILLE 95451
KELSO 92351
KENSINGTON 94707
KENSINGTON 94708
KENTFIELD 94904
KENWOOD 95452
KERMAN 93630

KERN COUNTY
KERNVILLE 93238
KETTLEMAN CITY 93239
KING CITY 93930
KINGS BEACH 96143
KINGS CANYON NAT 93633

KINGS COUNTY
KINGSBURG 93631
KLAMATH 95548
KLAMATH RIVER 96050
KNEELAND 95549
KNIGHTS FERRY 95361
KNIGHTS LANDING 95645
KNIGHTSEN 94548
KORBEL 95550
KYBURZ 95720

LA COUNTY

L.A.

L.A. COUNTY
LA CRESCENTA 91214
LA GRANGE 95329
LA HABRA HEIGHTS 90631
LA HONDA 94020
LA JOLLA 92037
LA MESA 91941
LA MESA 91942
LA MIRADA 90638
LA PORTE 95981
LA QUINTA 92253
LA SELVA BEACH 95076
LA VERNE 91750
LADERA 94028
LAFAYETTE 94549
LAGUNA HILLS 92653
LAGUNA NIGUEL 92651
LAGUNA NIGUEL 92677
LAGUNITAS 94938
LAKE CITY 96115

LAKE COUNTY
LAKE ELSINORE 92530
LAKE ELSINORE 92532
LAKE FOREST 92630
LAKE LOS ANGELES 93550
LAKEHEAD 96051
LAKEPORT 95453
LAKESIDE 92040
LAKEVIEW 92567
LAKEWOOD 90712
LAKEWOOD 90713
LAKEWOOD 90715
LAMONT 93241
LANCASTER 93534
LARKSPUR 94939

LASSEN COUNTY
LATHROP 95330
LATON 93242
LAWNDALE 90260
LAYTONVILLE 95454
LE GRAND 95333
LEE VINING 93541
LEMON GROVE 91945
LEMONCOVE 93244
LEMOORE NAVAL ARF 93245
LENNOX 90304
LEONA VALLE 93551
LEWISTON 96052
LIBERTY FARMS 95620
LINCOLN 95648
LINDEN 95236
LINDSAY 93247
LITCHFIELD 96117
LITTLERIVER 95456
LIVE OAK 95953
LIVERMORE 94550
LIVINGSTON 95334
LOCKEFORD 95237
LOCKWOOD 93932
LODI 95240
LODI 95242
LOLETA 95551
LOMA LINDA 92354
LOMA MAR 94021
LOMPOC 93436
LOMPOC 93437
LONE PINE 93545
LONG BEACH 90802 - 90808
LONG BEACH 90813 - 90815
LONG BEACH 90822
LOOMIS 95650
LOS ALTOS 94022
LOS ALTOS 94024
LOS ANGELES 90001 -90068
LOS ANGELES 90071
LOS ANGELES 90077

LOS ANGELAS COUNTY
LOS GATOS 95030
LOST HILLS 93249
LOST LAKE 92225
LOTUS 95651
LOWER LAKE 95457
LOYALTON 96118
LUCERNE 95458
LUCERNE VALLEY 92356
LUDLOW 92338
LYNWOOD 90262
LYTLE CREEK 92358
MACDOEL 96058
MAD RIVER 95552
MADERA 93637
MADERA 93638

MADERA COUNTY
MADISON 95653
MAGALIA 95954
MALIBU 90265
MANCHESTER 95459
MANHATTAN BEACH 90266
MANTECA 95336
MANTON 96059
MARE ISLAND 94592
MARICOPA 93252

MARIN COUNTY
MARINA 93933
MARINA DEL REY 90292
MARINE CORP BASE 92055
MARIPOSA 95338

MARIPOSA COUNTY
MARSHALL 94940
MARYSVILLE 95901
MATHER AFB 95655
MAXWELL 95955
MAYWOOD 90270
MC FARLAND 93250
MC KINLEYVILLE 95521
MC KITTRICK 93251
MCARTHUR 96056
MCCLELLAN AFB 95652
MCCLOUD 96057
MEAD V. 92570
MEADOW V. 95956
MEADOW VISTA 95722
MENDOCINO 95460

MENDOCINO COUNTY
MENDOTA 93640
MENIFEE 92584
MENTONE 92359

MERCED 95340
MERCED 95348

MERCED COUNTY
MERIDIAN 95957
MI WUK VILLAGE 95346
MIDDLETOWN 95461
MIDPINES 95345
MIDWAY CITY 92655
MILFORD 96121
MILL VALLEY 94941
MILLBRAE 94030
MILLVILLE 96062
MILPITAS 95035
MINERAL 96063
MIRA LOMA 91752
MIRAMONTE 93641
MISSION HILLS 91345
MISSION VIEJO 92675
MISSION VIEJO 92691
MISSION VIEJO 92692
MISSION VIEJO 92676
MODESTO 95350
MODESTO 95351
MODESTO 95354

MODESTO 95355

MODESTO 95356

MODESTO 95357

MODOC COUNTY

MOFFETT FIELD 94035
MOJAVE 93501
MOKELUMNE HILL 95245
MONARCH BAY 92629

MONO COUNTY
MONROVIA 91016
MONTAGUE 96064
MONTCLAIR 91763
MONTE SERENO 95030
MONTE VISTA 95014
MONTEBELLO 90640
MONTECITO 93108

MONTEREY COUNTY
MONTEREY PARK 91754
MONTGOMERY CREEK 96065
MONTROSE 91020
MOORPARK 93021
MORAGA 94556
MORENO VALLEY 92553
MORENO 92555
MORENO 92557
MORGAN HILL 95037
MORONGO V. 92256
MORRO BAY 93442
MOSS BEACH 94038
MOUNT HAMILTON 95140
MOUNT SHASTA 96067
MOUNTAIN CENTER 92561
MOUNTAIN MESA 93240
MOUNTAIN RANCH 95246
MOUNTAIN VIEW 94040 - 94043
MOUNT BALDY 91759
MURPHYS 95247
MURRIETA 92562
MURRIETA 92563
MUSCOY 92405
MYERS FLAT 95554
NAPA 94559

NAPA COUNTY
NATIONAL CITY 91950
NEEDLES 92363
NEVADA CITY 95959

NEVADA COUNTY
NEW CUYAMA 93254
NEWARK 94560
NEWBERRY SPRINGS 92365
NEWBURY PARK 91320
NEWCASTLE 95658
NEWHALL 91321
NEWHALL 91381
NEWMAN 95360
NEWPORT BEACH 92657
NEWPORT 92660
NEWPORT 92661- 92662
NEWPORT 92663
NICASIO 94946
NICE 95464
NILAND 92257
NIPOMO 93444
NIPTON 92364

N. CA

N CA

N CAL

N CALIFORNIA

NO CA

NO CAL

NO CALIFORNIA

NORCO 91760
NORDEN 95724
NORTH EDWARDS 93523
NORTH FORK 93643
NORTH HIGHLANDS 95660
NORTH HILLS 91343
NORTH HOLLYWOOD 91601
NORTH HOLLYWOOD 91605 - 91606
NORTH SAN JUAN 95960

NORTHERN CAL

NORTHERN CALIFORNIA
NORTHRIDGE 91324
NORTHRIDGE 91325
NORWALK 90650
NOVATO 94945
NOVATO 94947
NOVATO 94949
O NEALS 93645

OAKDALE 95361
OAK PARK 91301
OAK RUN 96069
OAK VIEW 93022
OAKHURST 93644
OAKLAND 94601 - 94613
OAKLAND 94619 - 94621
OAKLEY 94561
OCCIDENTAL 95465
OCEANO 93445
OCEANSIDE 92054 - 92056
OCEANSIDE 92057
OJAI 93023
OLD STATION 96071
OLIVEHURST 95961
ONTARIO 91761, 91762
ONTARIO 91764
ONYX 93255
ORANGE 92665 - 92668
ORANGE 92669

ORANGE COUNTY
ORANGE COVE 93646
ORANGEVALE 95662
ORCUTT 93455
OREGON HOUSE 95962
ORICK 95555
ORINDA 94563
ORLAND 95963
ORLEANS 95556
ORO GRANDE 92368
OROSI 93647
OROVILLE 95966
OXNARD 93030
OXNARD 93033
OXNARD 93035
PACHECO 94553
PACIFIC GROVE 93950
PACIFIC HOUSE 95726
PACIFIC PALISADE 90272
PACIFICA 94044
PAICINES 95043
PALA 92059
PALERMO 95968
PALM CITY 92260
PALM SPRINGS 92262
PALM SPRINGS 92264
PALO ALTO 94301 - 94305
PALO ALTO 94306
PALO CEDRO 96073
PALOS VERDES ESTATES 90274
PANORAMA CITY 91402
PARADISE 95969
PARAMOUNT 90723
PARKER DAM 92267
PARKFIELD 93451
PARLIER 93648

PASADENA 91101
PASADENA 91103 - 91106
PASADENA 91106 - 91107
PATTERSON 95363
PAUMA VALLEY 92061
PAYNES CREEK 96075
PEARSONVILLE 93527
PEBBLE BEACH 93953
PENINSULA VILLAG 96137
PENN VALLEY 95946
PENNGROVE 94951
PENRYN 95663
PERRIS 92571
PESCADERO 94060
PETALUMA 94952
PETALUMA 94954
PETROLIA 95558

PHELAN 92371
PHILLIPS RANCH 91766
PHILO 95466
PICO RIVERA 90660
PIEDMONT 94611
PIEDMONT 94618

PETALUMA 94952
PETALUMA 94954
PETROLIA 95558
PHELAN 92371
PHILLIPS RANCH 91766
PHILO 95466
PICO RIVERA 90660
PIEDMONT 94611
PIEDMONT 94618

PILOT HILL 95664
PINE GROVE 95665
PINE VALLEY 91962
PINECREST 95364
PINEDALE 93650
PINOLE 94564
PINON HILLS 92372
PIONEER 95666
PIXLEY 93256
PLACENTIA 92670

PLACER COUNTY
PLACERVILLE 95667
PLAYA DEL REY 90293
PLEASANT GROVE 95668
PLEASANT HILL 94523
PLEASANTON 94566
PLEASANTON 94588

PLUMAS COUNTY
PLYMOUTH 95669
POINT ARENA 95468
POINT MUGU NAWC 93042
POINT REYES STAT 94956
POMONA 91767
POMONA 91768
POND 93280
POPE VALLEY 94567
PORT COSTA 94569
PORT HUENEME 93041
PORT HUENEME CBC 93043
PORTER RANCH 91326
PORTERVILLE 93257
PORTOLA 96122
POSEY 93260
POTRERO 91963
POTTER VAL 95469
POWAY 92064
PRATHER 93651
PRINCETON 95970
PRUNEDALE 93907
PULGA 95965
QUARTZ HILL 93536
QUINCY 95971
RACKERBY 95972
RAISIN 93652
RAMONA 92065
RANCHITA 92066
RANCHO CORDOVA 95742
RANCHO CUCAMONGA 91730
RANCHO DOMINGUEZ 90220
RANCHO MIRAGE 92270
RANCHO MURIETA 95683
RANCHO PALOS VER 90717
RANCHO PALOS VER 90732
RANCHO SANTA MAR 92688
RANDSBURG 93554
RAVENDALE 96123
RAYMOND 93653
RED BLUFF 96080
RED TOP 95340
REDCREST 95569
REDDING 96001
REDDING 96002
REDDING 96003
REDLANDS 92373
REDLANDS 92374
REDONDO BEACH 90277
REDONDO BEACH 90278
REDWAY 95560
REDWOOD CITY 94061
REDWOOD CITY 94063
REDWOOD CITY 94065
REDWOOD VALLEY 95470
REEDLEY 93654
RESCUE 95672
RESEDA 91335
RIALTO 92376
RICHMOND 94801
RICHMOND 94804
RICHMOND 94805
RIO DELL 95562
RIO LINDA 95673
RIO OSO 95674
RIO VISTA 94571
RIPON 95366
RIVERBANK 95367
RIVERDALE 93656
RIVERSIDE 92501
RIVERSIDE 92503 -92508

RIVERSIDE COUNTY
ROCKLIN 95677
RODEO 94572
ROHNERT PARK 94928
ROMOLAND 92585
ROSEMEAD 91770
ROSEVILLE 95661
ROSEVILLE 95678
ROSEWOOD 90222
ROSSMOOR 90720
ROUGH AND READY 95975
ROWLAND HEIGHTS 91748
RUBIDOUX 92509
RUMSEY 95679
RUSSIAN RIVER 94401
RUSSIAN RIVER MD 95462
RUTH 95526
SACRAMENTO 95814 - 95835
SACRAMENTO 95841-95842
SACRAMENTO 95864

SACRAMENTO COUNTY
SAINT HELENA 94574
SALIDA 95368
SALINAS 93901
SALINAS 93905
SALINAS 93906
SALINAS 93908
SALTON CITY 92274
SALYER 95563
SAMOA 95564

SAN BENITO COUNTY
SAN BERNARDINO 92401,92404
SAN BERNARDINO 92405
SAN BERNARDINO 92406
SAN BERNARDINO 92407 – 92411

SAN BERNARDINO COUNTY
SAN BUENA VENTURA 93001 - 93004
SAN CLEMENTE 92672
SAN DIEGO 92101 - 920139
SAN DIEGO 92145, 92154
SAN DIEGO 92155

SAN DIEGO COUNTY
SAN FERNANDO 91340, 94102 – 94118

SAN FRAN

SAN FRAN COUNTY
SAN FRANCISCO 94121 - 94127
SAN FRANCISCO 94129 - 94133
SAN FRANCISCO 94134

SAN FRANCISCO COUNTY
SAN GABRIEL 91775, 91776
SAN GERONIMO 94963

SAN JOAQUIN COUNTY
SAN JOSE 95110 - 95139
SAN JOSE 95141, 95148

SAN LEANDRO 94577 - 94579
SAN LUIS OBISPO 93401
SAN LUIS OBISPO 93405

SAN LUIS OBISPO COUNTY
SAN MARCOS 92069

SAN MATEO COUNTY
SAND CITY 93955
SANGER 93657
SANTA ANA 92701
SANTA ANA 92703
SANTA ANA 92704
SANTA ANA 92706
SANTA ANA HEIGHT 92707
SANTA BARBARA 93101
SANTA BARBARA 93103- 93105
SANTA BARBARA 93109-93111

SANTA BARBARA COUNTY
SANTA CLARA 95050- 95051
SANTA CLARA 95054

SANTA CLARA COUNTY
SANTA CRUZ 95062
SANTA CRUZ 95064
SANTA CRUZ 95065

SANTA CRUZ COUNTY
SANTA FE SPRINGS 90670
SANTA MONICA 90401
SANTA MONICA 90402
SANTA MONICA 90403
SANTA MONICA 90404
SANTA MONICA 90405
SANTA PAULA 93060
SANTA ROSA 95401
SANTA ROSA 95403-95405
SANTA ROSA 95407
SANTA ROSA 95409
SANTEE 92071
SARATOGA 95070
SAUSALITO 94965
SAWYERS BAR 96027
SCOTIA 95565
SCOTT BAR 96085
SCOTTS VALLEY 95060
SCOTTS VALLEY 95066

SD COUNTY

S.D. COUNTY
SEAL BEACH 90740
SEAL BEACH
SEIAD VALLEY 96086
SELMA 93662

SF COUNTY

S.F. COUNTY
SHADOW HILLS 91040
SHAFTER 93263
SHANDON 93461
SHASTA 96087

SHASTA COUNTY
SHASTA LAKE 96019
SHAVER LAKE 93664
SHELL BEACH 93449
SHERIDAN 95681
SHERMAN OAKS 91403
SHERMAN OAKS 91423
SHINGLETOWN 96088
SHORE ACRES 94565
SHOSHONE 92384
SIERRA CITY 96125

SIERRA COUNTY
SIERRA MADRE 91024
SIERRAVILLE 96126
SIGNAL HILL 90804
SIGNAL HILL 90806
SIGNAL HILL 90807
SIMI VALLEY 93065

SISKIYOU COUNTY

SLO

SLO COUNTY
SMARTVILLE 95977
SMITH RIVER 95567
SNELLING 95369

SCAL

SOCAL

SO CAL

SO CALIFORNIA

SODA SPRINGS 95728
SOLANA BEACH 92075

SOLANO COUNTY
SOLEDAD 93960
SOMERSET 95684
SOMES BAR 95568
SOMIS 93066
SONOMA 95476

SONOMA COUNTY
SONORA 95370
SOQUEL 95073

SO SF
SOULSBYVILLE 95372
SOUTH EL MONTE 91733
SOUTH GATE 90280
SOUTH LAKE TAHOE 96150
SOUTH PASADENA 91030
SOUTH SAN FRANCISCO 94080

SOUTH SF

SOUTHERN CAL
SPANISH FLAT 94558
SPRING VALLEY 91977
SPRING V. 91978
SPRING V. 92392
SPRINGVILLE 93265
SQUAW V. 93675
STANDISH 96128
STANFORD 94305

STANISLAUS COUNTY
STANTON 90680
STEVINSON 95374
STINSON BEACH 94970
STOCKTON 95202 - 95207
STOCKTON 95209 - 95212
STOCKTON 95215
STOCKTON 95219
STONYFORD 95979
STRATFORD 93266
STRATHMORE 93267
STUDIO CITY 91604
SUISUN CITY 94585
SUMMERLAND 93067
SUN CITY 92586
SUN VALLEY 91352
SUNNYVALE 94086
SUNNYVALE 94087
SUNNYVALE 94089
SUNOL 94586
SUSANVILLE 96130
SUTTER 95982

SUTTER COUNTY
SUTTER CREEK 95685
SYLMAR 91342
TAFT 93268
TAHOE CITY 96145
TAHOE VISTA 96148
TAHOMA 96142
TARZANA 91356
TAYLORSVILLE 95983
TECATE 91980
TECOPA 92389

TEHAMA COUNTY
TEMECULA 92590
TEMECULA 92591
TEMECULA 92592
TEMPLE CITY 91780
TEMPLETON 93465
TERMO 96132
TERRA BELLA 93270
THE SEA RANCH 95497
THOUSAND OAKS 91360
THOUSAND PALMS 92276
THREE RIVERS 93271
TIPTON 93272
TOLLHOUSE 93667
TOLUCA LAKE 91602
TOMS PLACE 93514
TOPANGA 90290
TOPAZ 96133
TORRANCE 90501 - 90503
TORRANCE 90504
TORRANCE 90505
TORRANCE 90506
TRACY 95376
TRANQUILLITY 93668
TRAVIS AFB 94535
TRINITY CENTER 96091

TRINITY COUNTY
TROWBRIDGE 95659
TRUCKEE 96161
TRUCKEE 96162
TUJUNGA 91042
TULARE 93274
TULELAKE 96134
TUOLUMNE 95379
TUPMAN 93276
TURLOCK 95380

TULARE COUNTY

TUOLUMNE COUNTY
TUSTIN 92680
TWAIN 95984
TWAIN HARTE 95383
TWENTYNINE PALMS 92277
TWIN BRIDGES 95735
UKIAH 95482
UNION CITY 94587
UNIV OF THE PACI 95211
UPLAND 91786
UPPER LAKE 95485
VACAVILLE 95687
VACAVILLE 95688
VALENCIA 91354
VALENCIA 91355
VALLECITO 95251
VALLEJO 94590
VALLEJO 94591
VALLEY CENTER 92082
VALLEY FORD 94972
VALLEY SPRINGS 95252
VALLEY VILLAGE 91607
VALYERMO 93563
VAN NUYS 91401 - 91405
VAN NUYS 91406 - 91411
VENICE 90291

VENTURA COUNTY
VERNON 90058
VIDAL 92280
VILLA PARK 92667
VINTON 96135
VISALIA 93277
VISALIA 93291
VISTA 92083
VISTA 92084
VOLCANO 95689
WALNUT CREEK 94595 - 94598
WALNUT GROVE 95690
WARNER SPRINGS 92086
WATERFORD 95386
WEAVERVILLE 96093
WELDON 93283
WENDEL 96136
WEST COVINA 91790
WEST COVINA 91791
WEST COVINA 91792
WEST HILLS 91307
WEST HOLLYWOOD 90069
WEST MENLO PARK 94025
WEST POINT 95255
WEST SACRAMENTO 95691
WESTHAVEN 95570
WESTLAKE VILLAGE 91361
WESTLAKE VILLAGE 91362
WESTMINSTER 92683
WESTMORLAND 92281
WESTPORT 95488
WHEATLAND 95692
WHITE WATER 92282
WHITMORE 96096
WHITTIER 90601 - 90603
WHITTIER 90604
WHITTIER 90605
WILDOMAR 92595
WILDWOOD 96076
WILLIAMS 95987
WILLITS 95490
WILLOW CREEK 95573
WILLOW SPRINGS 93560
WILLOWS 95988
WILMINGTON 90744
WILSEYVILLE 95257
WILTON 95693
WINCHESTER 92596
WINDSOR 95492
WINNETKA 91306
WINTERS 95694
WINTON 95388
WISHON 93669
WITTER SPRINGS 95493
WOFFORD HEIGHTS 93285
WOODACRE 94973
WOODBRIDGE 95258
WOODLAKE 93286
WOODLAND 95695
WOODLAND HILLS 91364
WOODLAND HILLS 91367
WOODSIDE 94062
WOODY 93287
WRIGHTWOOD 92397

YOLO COUNTY
YORBA LINDA 92686
YORBA LINDA 92687
YORKVILLE 95494
YOUNTVILLE 94599
YREKA 96097
YUBA CITY 95991
YUBA CITY 95993

YUBA COUNTY
YUCAIPA 92399
YUCCA 92284
ZAMORA 95698