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 many of its physicians, there are several Covered California plans that will work for you:

  • Anthem Blue Cross EPO plans (all metal levels – e.g., Platinum, Gold, Silver, Bronze)
  • 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.

To learn more, visit www.coveredca.com or call 888-975-1142.

*Information updated May 12, 2014


 

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

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 April 22, 2014

Anthem Blue Cross

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 its physicians.

Cedars-Sinai Medical Center is offered as an in-network hospital in PPO plans and as a Tier 1 facility in Exclusive Provider Organization (EPO) plans.

Please confirm plan participation with your physician or Anthem.

*Information updated May 12, 2014

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.

March 31, 2014 was the deadline to enroll in an Assurant Health Plan. 

  • 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 April 22, 2014

Aetna

 As of Jan. 1, 2014, Aetna does not offer 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 April 22, 2014

Cigna

Cigna has changed 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 April 22, 2014

Blue Shield of California

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

*Information updated April 22, 2014

United Healthcare

As of Jan. 1, 2014, United Healthcare is not offering plans to individuals in California.

*Information updated April 22, 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

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