Access for Infants and Mothers Program

California's Insurance Program for Mid-Income Pregnant Women

•	What Does AIM Cost?
•	Determining Your Cost
•	Income Guidelines
•	How Do You Pay for AIM?

Costs

What Does AIM Cost?
There is a small cost that you will have to pay to be an AIM subscriber, but it is the only amount you will have to pay. Unlike most insurance plans, AIM does not charge co-payments or monthly deductibles.

Your total cost will be exactly 1.5% of your adjusted annual household income after income deductions.
Your 1.5% cost is your total cost of participation — it is not a monthly premium.
You may pay your 1.5% cost when you submit your application or you may make monthly payments for one year.
Your 1.5% cost covers you throughout your pregnancy and 60 days after your pregnancy has ended.

For example, if you and your husband are having your first baby, you would be counted as a family size of three. If you and your husband’s monthly income after deductions is $3,000, your cost would be $540.00. This is based on first calculating to see if your monthly income (after deductions) qualifies and then determining an annual income (multiplying your monthly adjusted household income by 12) and then multiplying by 1.5%.

Cost for Coverage for Your Baby
PLEASE NOTE: You will be required to pay separate monthly premiums for your child’s coverage through the Healthy Families Program. The amount of your monthly premium depends on which health plan your child is enrolled in but will not exceed $15 per child, per month.

Determining Your Cost for AIM Calculations based on sample household scenario above. To calculate your own cost for AIM, use the chart after this one.
Gross Monthly Household Income	Determine the gross monthly household income. See Income Documentation for a listing of acceptable income to submit.	$3,180.00
Total Household Income Deductions	Determine the Total Income Deductions (example: two working adults; $90 work deduction for each adult, no other deductions ) See Income Deductions for a listing of other acceptable income deductions to apply	– $180.00
Adjusted Monthly Household Income	Subtract the Total Income Deductions from the Gross Monthly Income. This is the Adjusted Monthly Household Income. Look up this amount in the Income Guidelines chart to see if you may qualify for AIM.	= 3,000.00
	Multiply the Adjusted Monthly Household Income by 12 months to determine the Adjusted Annual Household Income.	x 12 months
Adjusted Annual Household Income	This is the Adjusted Annual Household Income	= $36,000.00
	Multiply the Adjusted Annual Household Income by 1.5% to calculate the cost to participate in the AIM program	x 1.5%
Total Annual AIM Contribution	This is the Total Cost to participate in the AIM Program.	= $540.00

Determining Your Cost for AIM Use this chart to calculate your own cost for AIM.
Gross Monthly Household Income	Determine the gross monthly household income. See Income Documentation for a listing of acceptable income to submit.
Total Household Income Deductions	Determine the Total Income Deductions (example: two working adults; $90 work deduction for each adult, no other deductions ) See Income Deductions for a listing of other acceptable income deductions to apply
Adjusted Monthly Household Income	Subtract the Total Income Deductions from the Gross Monthly Income. This is the Adjusted Monthly Household Income. Look up this amount in the Income Guidelines chart to see if you may qualify for AIM.
	Multiply the Adjusted Monthly Household Income by 12 months to determine the Adjusted Annual Household Income.	x 12 months
Adjusted Annual Household Income	This is the Adjusted Annual Household Income
	Multiply the Adjusted Annual Household Income by 1.5% to calculate the cost to participate in the AIM program	x 1.5%
Total Annual AIM Contribution	This is the Total Cost to participate in the AIM Program.

Photograph of a father with a baby

AIM costs are lower:

Starting July 1, 2004, AIM costs 1.5%.