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. The plans that provide full coverage for care from Cedars-Sinai Medical Center and many of our physicians have changed from last year. 

Open enrollment for individual and family insurance policies runs from Nov. 1, 2015, through Jan. 31, 2016. 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.)
 

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 EPO plan in 2015, your plan will automatically change to the PPO plan for 2016.
  • 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 888-975-1142.

*Information updated Oct. 30, 2015


 

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 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 PPO plans.
  • If you belonged to an Anthem Blue Cross EPO plan in 2015, your plan will automatically change to the PPO plan for 2016.
  • 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 2016 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. 30, 2015

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 1-800-424-6521.

*Information updated Oct. 30, 2015

Assurant Health

Assurant Health has discontinued offering individual and family health insurance coverage.

You will need to select a new plan during open enrollment.

*Information updated Oct. 30, 2015

Health Net PPO

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

  • You will need to select a new plan during open enrollment.

*Information updated Oct. 30, 2015

Aetna

Aetna does not offer plans to individuals in California.

*Information updated Oct. 30, 2015

Cigna

Cigna has changed its provider network for individual coverage.

  • 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. 30, 2015

United Healthcare

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

*Information updated Nov. 10, 2015


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

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