Frequently Asked Questions

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Claims and Payment Policy

Will I be responsible for any out of pocket costs billed by a Non-Participating (Out of Network) Provider?

PLEASE NOTE: Urgent Care is not covered if member see's a non-participating provider!

Molina does not restrict you from freely contracting at any time to obtain any health care services outside the health care policy on any terms or conditions you choose. However, you will be 100% responsible for payment and the payments will not apply to your deductible or annual out-of-pocket maximum for any of these services. For exceptions please review the section of the agreement titled “Emergency Services and Urgent Care Services”, and for exceptions described in the section of this agreement titled “What if There Is No Participating Provider to Provide a Covered Service?,”

How are claims for covered medical services submitted for payment under my plan?

In most cases, participating providers will ask you to make a payment toward Your cost sharing at the time you check in. This payment may cover only portions of the total cost sharing for the covered services you receive. The participating provider will bill you for any additional cost sharing amounts that are due. The participating provider is not allowed to bill you for covered services you receive other than for cost sharing amounts that are due under this policy. However, you are responsible for paying charges for any health care services or treatment, which are not covered services under this policy.

What is my grace period?

A grace period is a period of time after a member’s premium payment is due and has not been paid in full.  If a subscriber hasn’t made full payment, they may do so during the grace period and avoid losing their coverage.  The length of time for the grace period is determined by whether or not the subscriber receives an advance payment of the premium tax credit (APTC).

  • Grace Period for Subscribers with No APTC: Molina Healthcare will give you a thirty (30) calendar-day grace period before cancelling or non renewing your coverage due to failure to pay your premium. Molina will pend all appropriate claims for services rendered to the subscriber and their dependents pursuant to the terms of this agreement. During the grace period, you can avoid cancellation or nonrenewal by paying the premium you owe to Molina. If you do not pay the premium by the end of the grace period, this agreement will be cancelled on the last day of the month prior to the beginning of the grace period. You will still be responsible for any unpaid premiums you owe Molina for the grace period.
  • Grace Period for Subscribers with APTCs: Molina will give you a three (3) month grace period before cancelling or not renewing your coverage due to failure to pay your premium. Molina will pay for covered services received during the first month of the three-month grace period. If you do not pay the premium by the end of the first month of the three-month grace period, your coverage under this plan will be suspended and Molina will not pay for covered services after the first month of the grace period until we receive the delinquent premiums. If all premiums due and owing are not received by the end of the three-month grace period, this agreement will be cancelled effective the last day of the first month of the grace period. You will still be responsible for any unpaid premiums you owe Molina for the grace period.

What is a retroactive denial and when am I responsible?

A retroactive denial is the reversal of a previously paid claim. This retroactive denial may occur even after you obtain services from the provider (doctor). If we retroactively deny the claim, you may become responsible for payment. The ways to prevent retroactive denials are paying your premiums on time, and making sure you doctor is a participating (in-network) provider.

Retroactive denial of claims does not apply to services that Molina has pre-authorized.

How do I recover an overpayment of premium to Molina?

If you believe you have paid too much for your premium and should receive a refund, please contact Member Services using the telephone number on the back of your ID card.

What is Medical Necessity?

Medical Necessity or Medically Necessary means health care services or supplies needed to diagnose or treat an illness, injury, condition, disease or its symptoms and that meet accepted standards of medicine.

What is a Prior Authorization, and how does it impact services under my plan?

A prior authorization is an approval from Molina which confirms that a requested health care service, treatment plan, prescription drug or item of durable medical equipment has been determined to be medically necessary and is covered under your plan. Molina’s Medical Directors work in collaboration with participating providers to assure clinically appropriate or clinically significant care is delivered to our members, in terms of the type, frequency, event, or service site of care, according to generally accepted applicable practice guidelines. They decide on the medical necessity before the care or service is given. This is to ensure you receive the right care for your specific condition. Within thirty days of receiving a request, Molina will furnish its medical necessity criteria for medical/surgical benefits and mental health/substance use disorder benefits or for other essential health benefit categories to an enrollee or provider when requested.
If additional information is needed to make the prior authorization determination, Molina will approve or deny the request within four calendar days of the receipt of the additional information. Urgent prior authorization requests related to medical conditions that may cause a serious threat to your health are processed within 48 hours. This is 48 hours from when we get the information we need and ask for to make the decision. In the event that the urgent prior authorization request is also a concurrent review request, Molina will make a determination as soon as possible and no later than 24 hours after receipt, provided that the prior authorization request is made at least 24 hours prior to the expiration of the previously approved period of time or number of treatments. For post-service review requests, Molina will make its determination within thirty calendar days. We will deny a prior authorization if information we request is not provided to us within the required timeframe.

How can I determine if my prescription drug is covered? What do I do if my prescription drug is not listed in my Plan’s formulary?

Molina has a list of drugs, devices, and supplies that are covered under the plan's pharmacy benefit. The list is known as the formulary. The formulary shows prescription and over-the-counter products plan members can get from a pharmacy using Molina coverage. It also shows coverage requirements, limitations, or restrictions on the listed products. The formulary is available at A hardcopy is also available upon request.

If your prescription drug is not listed on the formulary, your provider may request a formulary exception by sending a form and supporting facts to let Molina know how the drug is medically necessary for your condition. The process is similar to requesting prior authorization for a formulary drug.

The pharmacy "Drug Prior Authorization Form" and instructions for completing the request can be found here.

Molina Marketplace
Member Phone: (888) 858-3492
Provider Phone: (855) 322-4082
Fax: (800) 869-7791

If the request is approved, we will notify your provider. If it is not approved, we will notify you and your provider, including the reasons why. Drugs that are not on the formulary may cost you more than similar drugs that are on the formulary if covered on exception.

There are two types of formulary exception requests:

Expedited exception request – this is for urgent circumstances that may seriously jeopardize your life, health, or ability to regain maximum function; or for requesting nonformulary prescription drugs you have already been taking for a while. Drug samples given to you by a provider or a drug maker will not count as drugs you have been taking for a while. To have your request expedited, indicate on the form that the request is urgent.

Standard exception request – this is for non-urgent circumstances.

Notification - following your request, we will send you and/or your provider notification of our decision no later than:

  • 24 hours following receipt of an expedited exception request
  • 72 hours following receipt of a standard exception request

If you think your request was denied incorrectly, you and your provider may seek additional review by Molina or an Independent Review Organization (IRO). Details are outlined in the notification you will receive with the reasons why the exception request was denied.

What is an Explanation of Benefits (EOB)?

Each time we process a claim submitted by you or your health care provider, we explain how we processed it in the form of an explanation of benefits (EOB). The EOB is not a bill. It simply explains how your benefits were applied to that particular claim. It includes the date you received the service, the amount billed, the amount covered, the amount we paid, and any balance you're responsible for paying the provider. Each time you receive an EOB, review it closely and compare it to the receipt or statement from the provider.

What is Coordination of Benefits (COB)?

Coordination of benefits, or COB, is when you are covered under one or more other group or individual plans, such as one sponsored by your spouse's employer. An important part of coordinating benefits is determining the order in which the plans provide benefits. One plan is responsible for providing benefits first. This is called the primary plan. The primary plan provides its full benefits as if there were no other plans involved. The other plans then become secondary. Further information about coordination of benefits can be found in your agreement.


What happens if I do not have health insurance?

Without health insurance, you may suffer catastrophic financial losses due to illness or injury.

What if I have a pre-existing medical condition?

Health plans in the Marketplace cannot deny health insurance coverage because of a medical condition you had before signing up for coverage. Coverage for any pre-existing medical condition you may have begins the effective date of your coverage.

When is Open Enrollment?

Open enrollment for 2020 has ended. Individuals may qualify for enrollment outside of Open Enrollment through a Special Enrollment Period.

Open enrollment for 2021 is November 1, 2020 through December 15, 2020.

When will I receive my Molina ID card?

Within 10 days after you pay your first premium. For coverage starting on the first of the month we will send out ID cards approximately the 26th of the month.

Why should I have health coverage?

Many of us do not think about health care until we need it. However, health care is important at all times – for preventative care and for unexpected emergencies.

What is a Special Enrollment Period?

Conditions that may qualify for a Special Enrollment Period include the following life events. Contact the Health Insurance Exchange in your state if any of the following conditions impact you, or you need additional clarification:
  • Adding a dependent or becoming a dependent
  • Losing a dependent or dependent status (This is for currently enrolled customers only)
  • Filed or reconciled taxes for a year that you received health insurance premium tax credits
  • Change in program eligibility or amount of financial help (This is for currently enrolled customers only)
  • Losing other health coverage (i.e., job loss, divorce, loss of Washington Apple Health or WSHIP coverage, etc.)
  • Permanently moving from a location in the United States to Washington, or to a new county within Washington, only if you had minimum essential coverage for at least one day within the 60 days before you moved
  • Permanently moving from a location outside the United States to Washington
  • A change in citizenship or lawful presence status
  • Getting released from jail or prison
  • Tribal membership
  • Gaining access to a Health Reimbursement Arrangement (HRA) through your employer. More information about HRAs can be found here
  • Income changes that result in an individual being newly eligible for tax credits and cost-sharing reductions

Other qualifying life events may apply. For more information, visit HealthPlanFinder.

How can I enroll for coverage?

Visit Molina Marketplace to see if you qualify for financial assistance and enroll into a Molina plan. You can also speak to one of our Certified Enrollers who can help you apply over the phone by calling (855) 542-1990, or you can find a certified enrollment partner in your area who can assist you in person.

As a new member, when will my coverage start?

  • If You apply on or before December 15, 2020, the Effective Date of Your coverage is January 1, 2021.
  • Applications made after December 15, 2020 are subject to Special Enrollment Period requirements and verification.
  • The Effective Date of coverage will be determined by the Marketplace. The Marketplace and Molina will provide special monthly enrollment periods for eligible American Indians or Alaska Natives.

What if my income changes or my family size changes? Do I need to do anything?

If your income or household size has changes, you will need to report that to the Marketplace in your state, so that you get the right Premium Tax Credit you may be able to receive. Please go to and update your information.


Who do I call If I have questions on my current benefits?

Check out our Molina Marketplace Plans and other important Molina Marketplace information here. Or, simply contact us to learn more. We can help you understand the right Molina plan options for you and your family.

How can I learn more about my insurance coverage with Molina?

Log into your online member account and visit the Eligibility & Benefits tab. Your account allows you to review your Evidence of Coverage, Summary of Benefits, Schedule of Benefits, and other plan materials that are customized to your plan.

How do I discontinue my coverage?

Please contact Member Services using the telephone number on the back of your ID card, for further steps on discontinuing your coverage.


How do I make a payment?

To make a payment for your monthly premium, go to and click on the $ icon. We provide several payment options for your convenience. We accept Visa, MasterCard and Discover Card or electronic check. You can also sign up for automatic payments through AutoPay. It is convenient and worry free!

For additional ways visit our Make a Payment page.

How long after enrolling will members receive an invoice?

  • If you are a new member, you will receive a paper invoice within 7-10 business days after enrollment.

  • If you are a renewing member, you will receive an invoice by the 15th of every month.

How will my premiums be impacted if I am eligible for APTC?

If you are eligible for premium assistance (Premium Tax Credits), you could save even more money. Contact the Marketplace in your state, so that you get the right Premium Tax Credit you may be able to receive. Please go to and update your information.

I have an issue with my auto-payment. What should I do?

Please visit your Auto Pay account in your My Molina online member account located here.

If you are having trouble, contact us and we can help

Can I set up an auto-payment?

Yes, it is easy to do so by setting up your My Molina online member account and following the prompts to make a payment, which will lead you to the Auto Pay options.

I have a question or concern about a payment or invoice. What should I do?

If your payment is not reflected on your recent invoice, it may have been received after the invoice was generated. Check the date on your invoice compared to the date your payment cleared your bank account. If you don’t have your paper invoice, you can find it on Feel free to contact us if you need additional assistance.

What types of payment are accepted for auto-payments?

Electronic Funds Transfer (EFT), checking account, or credit card, by visiting your My Molina online member account.

When are payments due?

Payments are due on the last calendar day of the month.

How long does it take to process payments?

3-5 business days depending on how long it takes your bank to process the transaction.

When will my auto-payment be taken from my account?

Auto payments will be processed on the last day of the month or the next business day if the last day falls on a weekend or holiday, for the total balance due of your health insurance premiums. This remains in effect for as long as you are covered with Molina, or until you cancel AutoPay, whichever comes first. 

Can I set up an auto-payment for a portion of my premium more often than once a month?

We accept only one auto-payment per month, which will be deducted from your account in full.

I have not received an invoice. How do I find out what I owe Molina?

Please register and/or sign into your My Molina online member account to find out your balance, or call the customer support number located here.

Provider and Pharmacy Network

How do I know which providers I can go to?

To view the providers available in your network, visit the Provider Online Directory.

How do I select or change a Primary Care Provider (PCP)?

You can select a Primary Care Provider (PCP) once your coverage is effective with the plan. To select a PCP, visit to view our online provider directory and select a PCP in your area. Additionally, if you’re an existing member and would like to change your PCP, you can visit anytime to make a change.

What happens if my PCP leaves the network?

If your doctor leaves the network, you will need to select another Molina participating provider, refer to our provider online directory to view doctors and hospitals.

Under limited circumstances, you may be able to continue with your PCP for continuation of coverage as described in the Agreement.

Please contact us for more information.

How do I know what pharmacies to go to?

Your pharmacy network is through CVS. You can see which pharmacies are available to you. Go to the Pharmacy locator.

Will my prescription drug be covered?

You can search for whether your prescription drug is covered by Molina by going to the online Formulary (drug list). This information is also available in your My Molina online member account.

How do I find a participating provider that is accepting new patients?

To determine which participating provider is accepting new patients go to the Provider Online Directory and follow the steps below.
  1. Enter Your Location
    1. Search by City or Zip
    2. Search by County
    3. Search Near Street Address
  2. Select Coverage: Molina Marketplace
  3. Select Provider Type: Primary Care Provider
  4. More Search Options: Expand Name, Language, Gender, Accept New Patients
  5. Accepting New Patients? Select Yes
  6. Click on Search

How do I find a participating provider in my area?

To determine which participating provider is in your area go to the Provider Online Directory and follow the steps below.
  1. Enter Your Location
    1. Search by City or Zip
    2. Search by County
    3. Search Near Street Address
  2. Select Coverage: Molina Marketplace
  3. Select Provider Type: Primary Care Provider
  4. Click on Search

Member Services

I enrolled in a Molina plan. When can I register on the "My Molina" online member portal to see my benefits and services?

You can register on the My Molina online member portal once your initial payment is processed and you become effective with the plan.

How can I get a new or replacement ID card?

Once we receive your initial payment, you will receive your new ID card in the mail within 5-7 business days.

If you need a replacement or additional ID card, you can view and print one within your secure My Molina online member account.

Go to and register your personal online member account today!

If you are having trouble, contact us and we can help

What is a My Molina online member account and what can I do with it?

Your My Molina online member account is a powerful tool that puts you in control of your health coverage. It’s easy to set up and lets you manage your account wherever you are on a computer or your smart phone.

Use your My Molina online member account anytime to conveniently do things like:
  • Access your digital ID card and download view it ton your smart phone, or print it or request a new ID card to be sent to your current address on file with Molina
  • Choose or change your Primary Care Physician (PCP)
  • View Billing Information
  • Make a Payment
  • Sign up for automatic monthly payment through AutoPay
  • Check to see if we cover your prescription drugs
  • Quick links to benefit coverage and much more!

Go to and register your personal online member account today!

How do I set up My Molina online member account?

Setting up your My Molina online member account is easier than ever- it only takes a few minutes.

Go to and complete a few simple steps to register. Be sure to have your Member ID number, Date of Birth, and State where you are enrolled.

How can I access My Molina online member account on my smart phone? can be accessed by your desktop or mobile device.

You can download “Molina Mobile” from your app store using your smart phone.

Molina Mobile is a self-service mobile application for Molina members. Molina Mobile has many features and will allow you to have the same access as your My Molina online member account.

Does Molina offer Telehealth or Telemedicine Services?

Yes. For more information or to create an account, visit the Virtual Care page.

To view your specific benefit coverage, visit your My Molina online member account.

How do I update my address or contact information?

Updates to your address or contact information may impact your coverage. You will need to contact the to update your contact information.

How do I reset my MyMolina online member account password?

Visit and click on “Forgot User ID or Password?” and follow all the steps to complete the password reset.

Can someone else contact Molina on my behalf?

Molina needs to have a power of attorney or PHI form in your file indicating the caller is authorized, if the caller is not authorized the member can provide a verbal consent. The verbal consent will grant the caller permission to speak on their behalf, but it is only good for 14 business days. At the member’s request, Molina can send a PHI form to the address on file to avoid future verbal consents.

Were you Automatically Enrolled to Molina?

Who automatically enrolled me with Molina, I did not sign up with Molina?

As of 12/31/2020 your current health plan will no longer offer your plan in our area. Based on the description of your current Health Plan, the exchange assigned a similar plan, with the lowest cost, to meet your healthcare needs.

Can I choose a different carrier?

Yes. You may select a different health plan until December 15, for a January 1 start date. Please go to HealthPlanFinder to review your plan options.

What if my income has changed?

Please go to HealthPlanFinder and update your information.

Will my whole family move from my previous health plan to Molina?

Yes, you and your dependents will be automatically enrolled in Molina, if they were covered by your previous insurer.

I am moving from one state to another during open enrollment?

Whenever you make a permanent move, you must update your address on, Covered California or HealthPlanFinder (WA).

Will I still receive my subsidies/APTC/Tax Credits?

If you are eligible for tax credits and your family size and/or income has not changed, you will continue to receive tax credits.

Where do I find more information on my benefits?

Log in to to view your personal benefit information. If you don’t already have an account, you can register for one using your Member ID.

What if I need treatment or services before January 1st? Will I get my treatment?

Yes, but you need to continue to pay your current/ previous insurer until the end of the year.

What are my new benefits?

Log in to to view your personal benefit information. If you don’t already have an account, you can register for one using your Member ID.

When will I get my new ID card?

After you make your initial payment, you will receive your ID card within 10 days.

Are my premiums going to go up?

While all the efforts are being made to keep your premiums low, premiums may increase depending on your family size and/or income. You will be notified by Molina through your monthly invoice on the exact monthly premium amounts.

How do I find a doctor in my area?

For your convenience, we have a Provider Online Directory where you can search for available choices in your area. Go to Provider Online Directory

Can I keep my current doctor?

Yes, If your doctor is in Molina’s network. To find out if your doctor is in Molina’s network, go to Provider Online Directory

I am currently taking prescribed medication. How do I check to see if Molina will cover my medicine?

To view all of our covered formularies, go to Molina Healthcare Drug Formulary

Who can I call if I have questions?

You can contact member services to answer any questions you may have


What is COVID-19?

COVID–19 is a new strain of virus (coronavirus), which began in Wuhan City, China. The name COVID-19, is short for “coronavirus disease 2019.” This virus causes a lung illness, and has infected thousands of people worldwide. Organizations (CDC and WHO) are actively monitoring the outbreak of this new coronavirus strain. (Visit the CDC’s Traveler’s Health website for travel notices and advisories).

What are the symptoms of COVID-19?

Common signs of infection include fever, cough, and lung symptoms such as shortness of breath and breathing difficulties. In more severe cases, this virus can cause infection in the lungs (pneumonia), severe lung problems (acute respiratory distress syndrome), kidney failure, and even death. People with heart and lung disease or weakened immune systems, as well as infants and older adults, are at higher risk for more severe problems from this illness.

How is COVID-19 spread?

It is thought to be spread by little fluid droplets from an infected person’s lungs to others through:
  • the air by coughing and sneezing.
  • close personal contact such as touching or shaking hands.

How can you help protect yourself or others from COVID-19?

Although there are no vaccines available to protect against this virus, you may be able to reduce your risk of infection by:
  • washing your hands often.
  • avoiding touching your eyes, nose, or mouth with unwashed hands.
  • avoiding close contact with people who are sick.
If you have cold-like symptoms, contact your employer to see if they want you to remain at home while you are sick.
If you share a work station or equipment with others, consider wiping it down with disinfectant wipes after use.

What should you do if you suspect you or someone else has COVID-19?

Most people with this illness will recover on their own. Although there are no treatments for illnesses caused by this type of virus (human coronavirus), you can take the following actions to help relieve symptoms if you are mildly sick:
  • Take pain and fever medications. Ask your pharmacist how they may interact with any medications you currently take. (NOTE: The CDC and American Academy of Pediatrics (AAP) recommend not giving aspirin to children).
  • Drink plenty of liquids.
  • Stay home and rest.
  • Use the Molina Nurse Advise Line to discuss your symptoms and treatment options.
  • Consider a telemedicine visit if you are not very ill, (as long as it is a covered benefit on your plan).
  • If you are concerned about your symptoms, please contact your local health care provider.

Does getting the flu, pneumonia, or other vaccines reduce your risk of developing COVID-19?

No, but since there is no treatment for COVID-19, getting available immunizations for other lung infections (such as flu, pneumonia and whooping cough) may be a good idea. This is important for those who have weakened immune systems or who may have a more serious illness.

Who should be tested for COVID-19?

The Centers for Disease Control (CDC) recommends that anyone with symptoms of COVID-19, anyone who is returning from a high risk place (Centers for Disease Control designated “Level 2” or “Level 3” advisory area), or anyone who has been in contact with someone who has or may have the virus within the last 14 days, should be tested. Your provider can help decide if you should be tested.

How can I get COVID-19 testing?

Patients who have concerns that they may have had contact with COVID-19 or may have symptoms of COVID-19 or have returned from a high risk place (Centers for Disease Control designated “Level 2” or “Level 3” advisory area should contact their primary care provider to discuss whether to get tested. If you meet the rules for testing (per the CDC) then your doctor can order the test. The test will likely be nasal swabs that are then sent to a laboratory.

Does Molina cover testing for COVID-19?

Yes. As long as you meet the guidelines for testing and have a doctor’s order, this testing can be done in any approved laboratory location. At this time, you will not be charged a co-pay or cost share for this testing based on CDC guidance recommendation or a medical provider orders the testing.

What about telemedicine visits?

Where it is a covered benefit, Molina members should consider telemedicine as an option. Such “virtual visits” may lessen the risk of exposure to other sick people in doctors’ offices.