Cedars-Sinai Medical Center

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A BI-WEEKLY PUBLICATION FROM THE CEDARS-SINAI CHIEF OF STAFF Sept. 13, 2013 | Archived Issues

Covered California Insurance Exchange and Non-Employer Health Insurance

By Thomas M. Priselac,
President and CEO

With California's health insurance exchange, Covered California, set to begin enrollment Oct. 1 for people who are not covered through an employer, and with other ongoing changes in the health insurance marketplace, many of our patients have questions about what they may need to do to ensure they can continue to be covered for their care from Cedars-Sinai and our medical staff.

To help address these questions, I'd like to share the below information with you, as well as let you know about additional resources Cedars-Sinai has developed to help inform our patients. I want to emphasize that this is a fluid situation, as there will likely be additional changes coming from the exchange and the commercial health insurance companies over the next several months.

Please note that these initial changes in the state's health insurance programs only affect people who purchase their own insurance policies for themselves and their families; they will not affect those who receive health insurance through their employer, such as Cedars-Sinai employees.

Open enrollment for these non-employer, individual plans – including the Covered California insurance exchange – runs from Oct. 1, 2013, through March 31, 2014. As open enrollment approaches, we are anticipating questions from Cedars-Sinai patients who have non-employer provided commercial health insurance plans.

Many of these people will want to know which insurance plan to choose to ensure that they continue to be fully covered for care from Cedars-Sinai and its physicians. However, as of now, not all individual plans – both within and outside the Covered California insurance exchange – provide this coverage. To assist our patients, we have developed a number of resources to provide up-to-date information on what they need to do to ensure that they continue to have insurance that provides them with full coverage for care from Cedars-Sinai Medical Center and our physicians.

In the coming days, patients who purchase private health insurance plans will be receiving a letter from Cedars-Sinai, a copy of which is attached (see PDF link below). If you receive questions from patients about which insurance plan they should choose to ensure they are fully covered for care from Cedars-Sinai and our medical staff, please direct them to the following resources, which will be updated with additional information and guidance as we receive details from the insurance companies about coverage. Patients can:

Since Covered California and the commercial health insurance companies are still finalizing some of their plans and coverage, and there will likely be additional changes from them over the coming months, this will be a fluid situation. We will continue to keep you posted as we receive additional information from the insurance companies and Covered California.

Patient Letter - Insurance Exchanges - September 2013 (PDF)