Purchasing Health Insurance on Your Own
Individual and Family Plans for Cedars-Sinai in 2023
The following insurers provide Individual and Family Plans with coverage for Cedars-Sinai Medical Center and many of our physicians:
Blue Shield PPO (on and off the exchange)
I Buy Health Insurance on My Own
If you purchase a private (also known as Individual and Family Plan) 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, Marina Del Rey Hospital and many of our physicians. You must enroll by December 15 for your coverage to start on January 1. Open enrollment for private insurance policies runs from November 1 through January 31 in California.
Be aware that Cedars-Sinai’s physicians may be excluded from some benefit plan provider networks while Cedars-Sinai Medical Center and Cedars-Sinai Marina Del Rey Hospital will be indicated as participating providers. Therefore, we strongly recommend that you verify that both your preferred physicians and hospital are on the plan you choose before enrolling.
If you choose to purchase your individual health insurance through the exchange and want the option of receiving full coverage for care provided by Cedars-Sinai Medical Center, Marina Del Rey Hospital, and many of our physicians, you will need to choose:
- Blue Shield of California PPO plans (all metal levels—for example, 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 and our physicians.
If you qualify for and accept a subsidy from the federal government to help with your premium, you will be limited to the policies sold by Covered California.
*Information updated May 5, 2023.
If you choose to purchase your individual health insurance directly from an insurance company or agent and want the option of receiving full coverage for care provided by Cedars-Sinai Medical Center, Marina Del Rey Hospital, and many of our physicians, you will need to choose:
- Blue Shield of California PPO plans (all metal levels — e.g., Platinum, Gold, Silver, Bronze)
If you have a grandfathered plan with Blue Shield of California or Anthem Blue Cross, you will be able to keep coverage under that grandfathered plan in 2023 as long as you continue to pay premiums under the plan.
*Information updated October 6, 2022.
Effective December 31, 2022, Anthem Blue Cross of California will cancel the following grandfathered individual family plans:
- Individual PPO Basic $1,000 AND SmartSense with Upgrade Rx
Please refer to the information provided in the sections above in order to retain individual family plan coverage that allows access to Cedars-Sinai. You must enroll with a Blue Shield PPO plan on or before December 15, 2022 in order to have uninterrupted coverage at Cedars-Sinai in 2023.
*Information updated December 13, 2022.
Silver-level plans purchased through the Covered California exchange may be subject to a surcharge given the ongoing uncertainty around cost-sharing reduction payments from the federal government.
Please use the following information to guide your decision:
- If you do not receive a subsidy and want to purchase a silver-level plan, you may have a lower premium by purchasing from an insurance company or broker (not through Covered California).
- If you do receive a subsidy and want to purchase a silver-level plan, you may get a better deal purchasing insurance through Covered California.
*Information updated November 8, 2021.
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.
Effective July 1, 2017, California implemented consumer protection laws protecting patients from receiving “surprise bills” from physicians in certain circumstances when a physician is providing services at an in-network facility. If Cedars-Sinai is considered in-network and a physician is out of network and providing non-emergent services, unless receiving prior consent, the physician might be legally restricted in the amount he/she can bill patients beyond what a patient would expect under the terms of their commercial health plan. The law is complex, and there are several exceptions to the rules. If you have questions or complaints, please contact the California Department of Managed Health Care at 888-466-2219.
Information updated May 5, 2023.
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