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:

    1. Purchase a plan through the Covered California health benefit exchange
    2. Purchase private insurance through an insurance company or agent outside of the health exchange

Either way, please choose your plan carefully. Only a few provide 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.)
 

Coverage through the health benefit exchange:

Covered California health benefit exchange

If you choose to purchase your health insurance through the exchange and want the option of receiving full coverage for care provided by Cedars-Sinai Medical Center and its physicians, there are three Covered California plans that will work for you:

  • Health Net Bronze PPO Plan (available to all)
  • Health Net Catastrophic PPO Plan (available to people under the age of 30)
  • Health Net Tribal PPO Plan (available to Native Americans and Alaska natives with certain income limitations)

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 its 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.

You must be enrolled by Dec. 23, 2013 for your coverage to take effect on Jan.1, 2014.

To learn more or to purchase your insurance through the exchange, visit www.coveredca.com or call 888-975-1142.

*Information updated Nov. 25, 2013


 

Coverage purchased directly from an insurance company:

Health Net

The following plans provide full coverage for care provided by Cedars-Sinai Medical Center and its physicians:

  • Health Net Platinum PPO
  • Health Net Gold PPO
  • Health Net Silver PPO
  • Health Net Bronze PPO Plan (available to all) - also available on Covered California
  • Health Net Catastrophic PPO Plan (available to people under the age of 30) - also available on Covered California

Health Net will not be grandfathering any individual members.

Please confirm plan participation with your physician or Health Net. For more information on Health Net’s individual and family plans, call 877-527-8409 or visit Health Net's website.

*Information updated Nov. 15, 2013

Assurant Health

Assurant Health offers a full range of PPO network plans – contracted through Aetna – that include Cedars-Sinai Medical Center and most of our physicians.

You can enroll in an Assurant Health plan through March 31, 2014. Plans must be purchased directly from Assurant Health or a registered agent. They are not available on the Covered California Exchange.

  • Click here for plan details.
  • Click here to determine if a provider is covered.
  • Call 800-358-9931 for assistance in enrolling in an Assurant Health plan.

If you have already enrolled in a plan but would like to change it click here for more information.

*Information updated March 18, 2014

Aetna

If you have a private policy for yourself or your family, you will need to find a new insurance provider. As of Jan. 1, 2014, Aetna will not be offering plans to individuals in California.

The one exception is Aetna’s Costco Personal Health Insurance program, however, enrollment and renewals for this plan closed Dec. 15, 2013.

*Information updated Dec. 18, 2013

Cigna

Cigna is changing its provider network for individual coverage.

  • All current Cigna individual and family plan members who are enrolled in one of Cigna's full-network plans (called OAP Network Plans) will be able to keep full coverage for care from Cedars-Sinai until the end of 2014. Enrollment for these plans ended Dec. 31, 2013.
  • All new Cigna individual and family plans are Cigna's Local Plus Network Plans that exclude the majority of Cedars-Sinai physicians.

*Information updated Jan. 7, 2014

Anthem Blue Cross

Anthem Blue Cross’ new individual and family plans for 2014 will exclude the majority of Cedars-Sinai physicians from its new narrow network of providers.

Cedars-Sinai Medical Center is offered as an in-network hospital in PPO plans and as a Tier 2 facility in Exclusive Provider Organization (EPO) plans.

If you currently have an individual or family plan from Anthem Blue Cross that includes Cedars-Sinai, you may be able to keep that plan through a process called grandfathering.

  • Please call the member services phone number on the back of your insurance card to find out if you are eligible. If so, all you need to do is continue to pay your premiums and you automatically will keep your current plan.
  • Anthem Blue Cross will not allow grandfathering if your coverage started after March 23, 2010. If your plan began after that date, you will need to change plans before Jan. 1, 2014.

*Information updated Jan. 7, 2014

Blue Shield of California

Blue Shield’s new individual and family plans for 2014 will not include Cedars-Sinai Medical Center and its physicians in its new network of providers.

If you currently have an individual and family plan from Blue Shield that includes full coverage for care from Cedars-Sinai Medical Center and its physicians, you may be able to keep that plan through a process called grandfathering.

  • Please call the member services phone number on the back of your insurance card to find out if you are eligible. If so, all you need to do is continue to pay your premiums and you automatically will keep your current plan.
  • Blue Shield will not allow this “grandfathering” if your coverage started after March 22, 2010. If your plan began after that date, you will need to change plans before Jan. 1, 2014.

*Information updated Oct. 2, 2013

United Healthcare

If you have an individual plan through United Healthcare, you will need to find a new insurance provider. As of Jan. 1, 2014, United Healthcare will not be offering plans to individuals in California.

*Information updated Oct. 2, 2013


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 or Medi-Cal

I Don’t Have Health Insurance