Stanford Medical: Understanding Insurance Coverage And Options

what insurance does stanford medical take

Stanford Health Care accepts a variety of insurance plans, including Covered California, Medicare, and employer-sponsored insurance. The specific coverage and benefits offered vary depending on the insurance plan and the patient's needs, such as preventative care, pre-existing conditions, prescription drugs, or mental health services. Stanford also offers its own medical plans, known as Cardinal Care, which aim to provide comprehensive coverage for students, including while they are studying or travelling. Stanford Medicine Children's Health, a part of Stanford Health Care, has different insurance requirements and accepts plans such as Employer Group Plans, CalPERS, Tricare, Individual/Covered Plans, and Medi-Cal. It is recommended to verify coverage details with the insurance company and Stanford Health Care before receiving treatment.

Characteristics Values
Insurance types accepted Covered California, Medicare, employer-sponsored insurance plans, Cardinal Care, U.S. employer-provided group health plans, private/individual plans, Medi-Cal plans, Aetna, Kaiser HMO
Stanford Medicine Children's Health Insurance Types Employer Group Plans, CalPERS, Tricare, Individual/Covered Plans, Medi-Cal, Medi-Cal HMO, Managed Medi-Cal
Stanford Medicine Children's Health Tax ID Numbers Stanford Children's Health (Physicians): 26-0089066, Lucile Packard Children's Hospital Stanford: 77-0003859
Stanford Medicine Children's Health NPI Numbers Stanford Medicine Children's Health Physicians: 1417907940, Lucile Packard Children's Hospital Stanford: 1467442749

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Stanford accepts Covered California, Medicare, and employer-sponsored insurance plans

Stanford Health Care accepts a variety of insurance plans to cater to the diverse needs of its patients. The types of insurance accepted by Stanford include insurance plans through Covered California, Medicare, and employer-sponsored insurance plans.

Covered California is a state-based marketplace for individuals and small businesses to purchase health insurance. It was created in response to the Affordable Care Act (ACA) and is the official health insurance marketplace in California. Stanford Health Care recognizes Covered California plans and coordinates with this insurance provider to offer coverage for a range of medical services.

Medicare is a federal health insurance program that primarily covers individuals aged 65 and older, as well as younger people with certain disabilities or specific medical conditions. Stanford Health Care accepts Medicare plans, ensuring that patients covered by this program can access the necessary healthcare services provided by Stanford.

Employer-sponsored insurance plans, also known as group health insurance plans, are offered by Stanford Health Care as a comprehensive option for employees and their dependents. These plans are typically negotiated and purchased by employers, providing coverage for a wide range of medical services for their employees. Stanford works closely with employers to ensure their employees' health needs are met through these plans.

In addition to the above, Stanford Health Care also accepts various other insurance plans, such as those through University HealthCare Alliance, Stanford Medicine Children's Health, and Stanford Health Care Tri-Valley. It is important for patients to verify their specific insurance plan's network coverage and any pre-authorization requirements before seeking treatment at Stanford Health Care to ensure a smooth billing process.

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Stanford Medicine Children's Health accepts Medi-Cal

Stanford Medicine Children's Health accepts some Medi-Cal plans. Medi-Cal is a program that offers health coverage for children and adults with limited income and resources. Stanford Health Care is in-network with the following Medi-Cal options: Stanford Health Care accepts Medi-Cal Fee-For-Service for hospital and physician services.

Stanford Medicine Children's Health is a covered benefit for specific insurance plans. Health benefit coverage varies with each insurance plan or employer group. To confirm coverage, patients are encouraged to refer to their subscriber handbook or call their insurance provider directly with questions regarding coverage for specific services.

Stanford Medicine Children's Health Physicians and the hospital each have an NPI and Tax ID number. In general, the Physicians Group NPI and Tax ID are needed for outpatient visits, and the Hospital NPI and Tax ID are required for inpatient stays. However, there may be circumstances where both are required. It is recommended to confirm with your insurance that both the Physicians Group and the Hospital Tax ID/NPI are in-network. If Stanford Medicine Children's Health is out-of-network, there may be substantial out-of-pocket expenses.

To be seen at Stanford Medicine Children's Health, a referral from a Primary Care Physician is required, and the medical group or health plan must authorize all services. Stanford Medicine Children's Health pediatricians in the East Bay may be selected as Primary Care Physicians through affiliation with select medical groups. It is recommended to check the health plan website for Primary Care Physician availability.

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Stanford University offers Cardinal Care insurance to students

Stanford University offers Cardinal Care, a student health insurance plan, to its students. Cardinal Care is administered by Aetna Student Health and offers medical, mental health, and dental insurance plans. The plan provides access to a nationwide network of providers and pharmacies, as well as a robust wellness platform that includes fitness, weight management, and maternity programs. Additionally, Cardinal Care offers emergency assistance services through On Call International for students travelling more than 100 miles from their primary residence.

Cardinal Care has two tiers of coverage, allowing students to choose their desired level of care while managing costs. For medical services, students can decide where to seek treatment without the need for a referral. Aetna Student Health also administers Cardinal Care's mental health benefits, providing access to a network of local and national mental health clinicians. Students can also seek recommendations from Vaden Health Center's Counseling and Psychological Services (CAPS) unit for community providers that can meet their specific needs.

In terms of dental coverage, Cardinal Care includes diagnostic and preventive care at 100% coverage (up to $1,000 annually) when using an Aetna PPO dentist. Basic restorative services are covered at 80% after a $25 annual deductible when provided by a PPO in-network dentist. It is important to note that dental benefits are bundled with Cardinal Care's medical and mental health benefits and cannot be obtained separately.

Cardinal Care enrollees are provided with a personalised Aetna Student Health ID card, which they should present when accessing care. This card confirms their membership and grants them access to participating providers and pharmacies nationwide.

It is worth noting that Cardinal Care is separate from Stanford Medicine Children's Health insurance, which is determined by the patient's specific insurance plan. Stanford Health Care also accepts insurance plans such as Covered California, Medicare, and employer-sponsored insurance plans.

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Stanford Health Care Tri-Valley patients have a separate insurance process

Stanford Health Care accepts a variety of insurance plans, including Covered California, Medicare, and employer-sponsored insurance plans. However, if you are a Stanford Health Care Tri-Valley patient, you need to follow a separate insurance process.

Stanford Health Care Tri-Valley patients should visit the Stanford Health Care Tri-Valley website or contact them directly to understand their specific insurance coverage and requirements. It is important to note that behavioural health or mental health insurance may be different from your medical insurance, and understanding your coverage is essential.

Behavioural health services at Stanford Health Care Tri-Valley will be billed to your behavioural or mental health insurance carrier. Most insurance plans offer both medical and behavioural/mental health coverage, but they may not always access the same network of providers. Therefore, it is crucial to verify that Stanford Health Care Tri-Valley is in-network for your specific insurance plan.

You can contact your insurance company directly to confirm if Stanford Health Care Tri-Valley is part of their network. They may require the group NPI or Tax ID of Stanford Health Care Tri-Valley to determine their in-network or out-of-network status accurately. Being out-of-network may result in substantial out-of-pocket expenses, so it is important to understand your insurance coverage before seeking treatment.

Additionally, for Stanford Health Care Tri-Valley patients, it is recommended to check with your insurance carrier to ensure that any medical services you require have been pre-authorized. This step is important to avoid unexpected costs or coverage issues. Understanding your insurance benefits and taking the necessary steps to verify coverage will help ensure a smooth and stress-free experience when seeking healthcare services at Stanford Health Care Tri-Valley.

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Stanford offers four medical plan options, including three nationwide plans administered by Aetna

Stanford University offers a range of insurance options for its students, staff, and patients. Stanford recognizes that students may already have health insurance and aims to ensure that all students can get the care they need, both expected and unexpected, through their existing insurance. For students who do not have insurance, Stanford offers four medical plan options, including three nationwide plans administered by Aetna and a Kaiser HMO. These plans cover preventative care, pre-existing conditions, prescription drugs, and mental health services.

The three nationwide Aetna plans include the Stanford Select Copay Health Plan, the Stanford Choice High Deductible Health Plan, and the ACA Basic HDHP. The ACA Basic HDHP meets the minimum essential coverage requirements under the Affordable Care Act. Stanford also provides a range of programs to support preventative care, such as BeWell, which offers personalized support, wellness activities, and incentives for achieving optimal well-being.

For patients at Stanford Health Care, the specific insurance plan accepted may depend on the patient's status. For instance, UHA patients are directed to University HealthCare Alliance, while patients at Stanford Children's Health are advised to refer to Stanford Medicine Children's Health for insurance coverage. Stanford Children's Health is in-network for hospital services, specialist physician services, and Primary Care Physician services at the Monterey location. Coverage for care at Stanford Medicine Children's Health is determined by the patient's insurance company and the provisions of their specific plan.

Stanford Health Care accepts insurance plans through Covered California, Medicare, and employer-sponsored insurance plans. Stanford also provides resources for patients with behavioral health needs, recommending that patients work with Stanford Health Care social workers and their medical team to seek assistance in selecting a mental health provider within their behavioral health network.

Frequently asked questions

Stanford Health Care accepts insurance plans through Covered California, Medicare, and employer-sponsored insurance plans.

Coverage for your care at Stanford Medicine Children’s Health is determined by your insurance company and is based on the provisions of your specific plan, such as Employer Group Plans, CalPERS, Tricare, Individual/Covered Plans, and Medi-Cal.

Stanford recognizes that students may already have health insurance. The university establishes Minimum Health Insurance Coverage Requirements to ensure that students can get the care they need. Cardinal Care is the university's health insurance plan, which has broad coverage.

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