Options for Purchasing Individual Coverage

I Buy Health Insurance On My Own

If you purchase a private (also known as commercial) policy for yourself or your family, you have two options:

  • Purchase a plan through the Covered California health benefit exchange
  • Buy a private plan through an insurance agent or a health plan directly outside of the exchange

Either way, please choose your plan carefully to ensure you have full coverage for care from Cedars-Sinai Medical Center and our physicians.

Click below to review your options for coverage that include Cedars-Sinai. (We will continue to update this information as we receive additional details from the insurance companies.)

Open enrollment for 2017 health coverage runs from Nov. 1, 2016 to Jan. 31, 2017. If you don't enroll by Jan. 31, you can’t enroll in a health insurance plan for 2017 unless you qualify for a special enrollment period, which is usually 30-60 days following certain life events that involve a change in family status (e.g., marriage or birth of a child) or loss of other health coverage. To learn more about reporting or qualifying for a special enrollment period please visit the Healthcare.gov marketplace or call the marketplace call center at 1-800-318-2596 (TTY: 1-855-889-4325).


Financial Assistance

We offer a variety of financial assistance programs that can help our patients with out-of-pocket costs. These programs are available to a wide range of incomes.

 

Coverage through the Covered California health benefit exchange:

Covered California health benefit exchange

If you choose to purchase your health insurance through the Covered California exchange and want the option of receiving full coverage for care provided by Cedars-Sinai Medical Center and many of our physicians, you will need to choose:

  • Anthem Blue Cross EPO plans (all metal levels — e.g., Platinum, Gold, Silver, Bronze)
    • If you belonged to an Anthem Blue Cross PPO plan in 2016, your plan will automatically change to the EPO plan for 2017.
    • You will have coverage for any in-network physician without a referral. Out-of-network providers are not covered — except for emergency or urgent care.
  • Blue Shield of California PPO plans (all metal levels — e.g., Platinum, Gold, Silver, Bronze).

None of the other plans in the Covered California health benefit exchange will allow you to receive full coverage for care provided by Cedars-Sinai Medical Center and our physicians. Please note that many health insurance companies will be offering plans both within and outside of the exchange, so be sure to compare carefully.

If you qualify for and choose to accept a subsidy from the federal government to help with your premium, you will be limited to the policies sold by Covered California. This is a more limited set of plans that generally have fewer hospitals and doctors in their networks.

Please note, emergency care provided at any emergency room – including Cedars-Sinai’s Emergency Department – is covered through all insurance plans, whether they are part of the exchange or not.

To learn more, visit www.coveredca.com or call 800-300-1506.

*Information updated Oct. 4, 2016.


 

Coverage purchased directly from an insurance company or through an insurance agent:

Anthem Blue Cross (Covers Cedars-Sinai)

All metal levels (e.g., Platinum, Gold, Silver, Bronze) of Anthem Blue Cross Exclusive Provider Organization (EPO) plans provide full coverage for care from Cedars-Sinai Medical Center and many of our physicians.

  • Cedars-Sinai Medical Center is offered as an in-network hospital in EPO plans.
  • You will have coverage for any in-network physician without a referral. Out-of-network providers are not covered — except for emergency or urgent care.
  • If you belonged to an Anthem Blue Cross PPO plan in 2016, your plan will automatically change to the EPO plan for 2017.
  • If you have a grandfathered plan with Anthem Blue Cross that offers their full network of providers, you will be able to keep coverage under that grandfathered plan in 2017 as long as you continue to pay premiums under the plan.
  • Please confirm plan participation with your physician or Anthem.

For more information on Anthem’s individual and family plans, call 866-249-4844 or visit Anthem’s website.

*Information updated Oct 4. 2016.

Blue Shield of California PPO (Covers Cedars-Sinai)

All metal levels (e.g., Platinum, Gold, Silver, Bronze) of Blue Shield of California PPO plans provide full coverage for care from Cedars-Sinai Medical Center and many of our physicians.

Please confirm plan participation with your physician or Blue Shield. For more information, visit Blue Shield's website or call 1-888-626-6780.

*Information updated Oct. 4, 2016.

Health Net PPO

Health Net discontinued offering the individual and family PPO plans that previously covered care from Cedars-Sinai Medical Center in 2015.

*Information updated Oct. 4, 2016.

Aetna

Aetna does not offer plans to individuals in California.

*Information updated Oct. 4, 2016.

Cigna

Cigna no longer offers full-network plans. All new Cigna individual and family plans are Cigna's Local Plus Network that exclude the majority of Cedars-Sinai physicians.

*Information updated Oct. 4, 2016.

United Healthcare

United Healthcare is not offering plans to individuals in the Los Angeles area.

*Information updated Oct. 4, 2016.


For more guidance, click the option that best describes your situation.

I Get Health Insurance Through My Employer

I Buy Health Insurance On My Own

I Am Eligible for Medicare

I Am Eligible for Medi-Cal

I Am Eligible for BOTH Medicare and Medi-Cal

I Don’t Have Health Insurance