Frequently Asked Questions

Are there more insurance plans that include individual and family coverage for Cedars-Sinai in the 2015 plan year?

Yes. Cedars-Sinai is offered under more health insurance plan options for 2015 – both on and off the Covered California health benefit exchange.  It is important to confirm that your plan covers Cedars-Sinai.

You are able to switch your health insurance plan during open enrollment, which runs through Feb. 15, 2015. Coverage will take effect March 1, 2015.

You can view a list of insurance plans and details of their coverage for Cedars-Sinai or call 1-800-213-3586, 24 hours a day, for more information on plans that provide coverage for care from Cedars-Sinai Medical Center and our physicians.

I just learned that the insurance plan I purchased for 2014 doesn’t cover care from Cedars-Sinai in 2015. How do I switch plans?

Switching plans is easy. You are able to change your health insurance plan – even the insurance provider – during open enrollment, which runs from Nov. 15, 2014, through Feb. 15, 2015. You can also switch plans at other times if you have had a qualifying life event occur (e.g., a marriage or birth).

To switch to a new plan, you can contact the insurance company directly or purchase a plan through a broker.

You can view a list of insurance plans, details of their coverage for Cedars-Sinai and contact information or call 1-800-213-3586, 24 hours a day, for more information on plans that provide coverage for care from Cedars-Sinai Medical Center and our physicians.

What is healthcare reform and the Affordable Care Act?

The phrase "healthcare reform" refers to the Patient Protection and Affordable Care Act, which was signed into federal law in March 2010, as well as supporting state legislation. It is sometimes referred to as "Obamacare."

The intention of these reforms is to help more people get access to affordable health insurance coverage and better medical care. For most people, the new laws mean expanded access to affordable health insurance and more options for medical care.

As of Jan. 1, 2014, most people are required to have health insurance or they face tax penalties. There are exceptions to this requirement for those with certain religious beliefs, Native American tribal members and those with incomes below a certain level.

What are health insurance exchanges and Covered California?

Covered California is California's health benefit exchange, sometimes referred to as a "health insurance marketplace." This is a state-run website where people can buy healthcare coverage. It is available to people who currently are uninsured or who are buying insurance on their own, instead of through their employer.

On the Covered California website, you can compare and choose health plans, get answers to questions about the new laws and find out if you are eligible for financial assistance or other programs.

The open enrollment period for individual and family plans for 2015 runs Nov. 15, 2014, through Feb. 15, 2015.

What do I need to do now?

If your health insurance coverage is provided by or purchased through your employer, there's nothing for you to do immediately, other than stay informed. If you work for a company with more than 50 full-time employees that does not currently provide health insurance, you should be aware that changes to your benefits may be coming in the next year. Contact your human resources department for more information.

If you purchase your insurance in the individual health insurance market, you will need to take immediate action during the open enrollment period in order to maintain coverage for care from Cedars-Sinai Medical Center and our physicians. Open enrollment begins Nov.15, 2014, and concludes Feb. 15, 2015.

I like going to Cedars-Sinai and my Cedars-Sinai physician. Do I have to change?

Possibly. If you get your insurance through your employer, there should be no need to adjust your coverage options at this time. Check with your human resources department for your company's specific offerings.

If you purchase your own insurance, you can choose to go either through the Covered California marketplace or purchase coverage outside of the exchange. Either way, confirm that the plan you select provides full coverage for care from Cedars-Sinai Medical Center and our physicians. Click here for more information.

What is grandfathering? How might it affect me?

A grandfathered plan is a group health plan that was created — or an individual health insurance policy that was purchased — on or before March 22, 2010.

If you’ve had the same individual insurance coverage since March 22, 2010, you may be able to keep your current benefits through "grandfathering." Please call the member services phone number on the back of your insurance card to see if you qualify.

What if I'm having a medical emergency? Can I still come to Cedars-Sinai's Emergency Department?

Yes. 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.

I'm on Medicare and/or Medi-Cal. Will my benefits change?

If you have Medicare or Medi-Cal, your coverage likely will remain the same. For information specific to your situation, please click on the links below:

I can't afford to buy health insurance or haven't qualified for coverage in the past. What does healthcare reform mean for me?

Things may have changed with the signing of the Affordable Care Act. Insurance companies will no longer be able to deny you coverage based on pre-existing conditions. Also, subsidies may be available through the Covered California health insurance exchange to those who meet income qualifications. Finally, eligibility requirements for government programs such as Medi-Cal are expanding. Please contact Medicare and Medi-Cal if you think you may qualify.

*Information updated Nov. 4, 2014

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

I Get My Health Insurance Through My Employer

I Buy Health Insurance On My Own

I Have Medicare

I Have Medi-Cal

I Have BOTH Medicare and Medi-Cal

I Don’t Have Health Insurance

Android app on Google Play