Jeffrey Wade
If you're wondering what medical insurance Cedars-Sinai takes, you've come to the right place. Cedars-Sinai Medical Center accepts several types of insurance, including Traditional or original Medicare (Part A and/or B), Medicare supplement insurance (Medigap) plans, and Medicare Advantage plans. They also participate with various health insurance providers, such as Blue Cross, Blue Shield, and UnitedHealthcare. Additionally, Cedars-Sinai offers comprehensive compensation and benefits for its residents and fellows, including health insurance, dental, vision, and pharmacy benefits, as well as life insurance and professional liability insurance.
| Characteristics | Values |
|---|---|
| Insurance accepted | Traditional or original Medicare (Part A and/or B), including Medicare supplement insurance (Medigap) plans |
| Medicare Advantage or a Medicare Health plan | |
| Anthem Blue Cross HMO or EPO | |
| Covered California Cal Mediconnect Dual Eligible HMO/PPO Medical Group Medi-Cal HMO Medicare Advantage PACE Medicare | |
| Blue Shield and Blue Cross | |
| UnitedHealthcare – AARP Medicare Advantage | |
| UCLA Health Medicare Advantage Principal Plan (HMO) | |
| UCLA Health Medicare Advantage Prestige Plan (HMO) | |
| Health Net insurance coverage issued by Los Angeles Unified School District |
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What You'll Learn
Traditional or original Medicare (Part A and/or B)
Cedars-Sinai accepts Traditional or Original Medicare (Part A and/or Part B). This includes Medicare supplement insurance (Medigap) plans, which cover care from Cedars-Sinai Medical Center, Marina Del Rey Hospital, and many of their doctors.
Part A covers care at Cedars-Sinai Medical Center, doctor visits, some home-health services, laboratory tests, X-rays, and other outpatient care, including some medical supplies and equipment. This is optional coverage and requires that you pay a monthly premium. You are eligible to enroll in Part A starting three months before the month of your 65th birthday, during the month of your 65th birthday, and in the three months after your 65th birthday month.
Part B covers care from Cedars-Sinai and most of its physicians. You are eligible to enroll in Part B starting three months before your 65th birthday month, during your birthday month, and in the three months after your birthday month. If you opt out of Part B during this initial enrollment period and decide to enroll at a later date, you may have to pay a higher premium. Your monthly premium for Part B may increase by 10% for each year you were eligible but did not enroll.
Medicare supplement insurance, or Medigap, is an additional insurance product that pays some of Medicare's out-of-pocket costs, such as copays and deductibles, and possibly other services not normally covered by Original Medicare. You must have Medicare Parts A and B to buy a Medigap policy.
If you want prescription drug coverage (Part D), you must sign up as soon as you are eligible for Medicare Parts A and B. If you do not sign up, you will be charged a penalty of 1% of the national average premium cost for Part D coverage for each month you did not have creditable prescription drug coverage.
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Medicare supplement insurance (Medigap) plans
Cedars-Sinai accepts Traditional or original Medicare (Part A and/or B), including Medicare supplement insurance (Medigap) plans. Medicare supplement insurance, or Medigap, is an additional insurance product that pays some of Medicare's out-of-pocket costs, such as copays and deductibles, and possibly other services not normally covered by Original Medicare. You must have Medicare Parts A and B to buy a Medigap policy.
Medigap policies can help cover some of the out-of-pocket costs that Original Medicare doesn't cover, such as deductibles and copayments. It's important to note that if you choose a Medicare Advantage plan, you won't need and cannot use Medigap policies. Medicare Advantage plans are purchased from a private insurance company and are typically organized like an HMO or PPO insurance plan.
If you're considering a Medigap policy, it's essential to assess your healthcare needs. Do you require coverage for basic preventive care, such as routine doctor visits and checkups? Do you need specialized services like vision and dental care? Understanding your specific needs will help you determine if a Medigap policy is the right choice for you.
Additionally, it's worth noting that you have the option of getting prescription drug (Part D) coverage, which is separate from Medigap. Part D coverage is mandatory if you want prescription drug coverage and are eligible for Medicare Parts A and B. If you don't sign up for Part D when you're first eligible, you may have to pay a penalty fee.
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Medicare Advantage or a Medicare Health plan
Medicare Advantage, also known as Medicare Part C, is a health plan purchased from private insurance companies approved by Medicare. It combines the coverage of both Part A and Part B into a single plan. Most Medicare Advantage plans also include Medicare Part D prescription drug coverage.
Cedars-Sinai participates in several Medicare Advantage plans, including Anthem Blue Cross, Blue Shield, and UnitedHealthcare. If you are enrolled in an HMO plan under Medicare Advantage, you must choose a primary care doctor from either the Cedars-Sinai Medical Group or Cedars-Sinai Health Associates and be referred to specialists within these groups. It is important to note that not all physicians participate in Medicare Advantage plans.
When considering a Medicare Advantage plan, it is recommended to review the plan's formulary and compare prices for the prescription drugs you require. You can utilise the benefit plan shopping tool on Medicare's website, www.Medicare.gov, to find the best match for your prescription needs.
Additionally, Medicare Supplement Insurance, also known as "Medigap," is available to cover some of the out-of-pocket costs associated with Original Medicare, such as copays and deductibles. However, individuals with Medicare Advantage plans do not need and cannot use Medigap policies.
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Anthem Blue Cross HMO or EPO
Cedars-Sinai Medical Center accepts Traditional or Original Medicare (Part A and/or B), including Medicare supplement insurance (Medigap) plans. If you have a Medicare Advantage plan, which is purchased from a private insurance company, it is typically organised like an HMO or PPO insurance plan.
If you are interested in Anthem Blue Cross HMO or EPO, there are some differences between the two. HMO stands for Health Maintenance Organization. With an HMO plan, you are limited to select care providers in the plan's network and sometimes require a referral from your primary care provider (PCP) to see a specialist. EPO stands for Exclusive Provider Organization and is a hybrid of HMO and PPO. EPOs offer more flexibility than HMOs and are usually less expensive than PPOs. Like a PPO, you won't need a referral to see a specialist, but you will be responsible for paying the costs for seeing a doctor outside of the plan's network.
If you are considering Anthem Blue Cross HMO or EPO, it is important to check that Cedars-Sinai is covered by those plans. You can do this by using the Blue Cross Provider Finder. Additionally, if physician availability is important to you, it is recommended to call the health plan to confirm that specific physicians are included in the product you choose.
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Blue Cross Provider Finder
Blue Cross Blue Shield (BCBS) members can search for doctors, hospitals, and dentists in the United States, Puerto Rico, and the U.S. Virgin Islands using the Provider Finder tool or the BCBSIL mobile app. If you have additional international coverage and need to find care outside the United States, select Blue Cross Blue Shield Global or GeoBlue. Blue Distinction Specialty Care helps you and your family find high-quality options with the expertise to meet your specific needs.
If you are a Cedars-Sinai patient and are narrowing down your coverage choice, you can use the provider finders on the Blue Shield and Blue Cross pages to verify the plans accepted by Cedars-Sinai. For instance, Cedars-Sinai accepts Traditional or original Medicare (Part A and/or B), including Medicare supplement insurance (Medigap) plans, which provide coverage for care from Cedars-Sinai Medical Center, Marina Del Rey Hospital, and many of their doctors.
If you enroll in an HMO plan, you will be required to select a primary care physician in the Cedars-Sinai Medical Group or Cedars-Sinai Health Associates and be referred to specialists within the physician network. It is important to note that not all physicians participate in Medicare Advantage plans.
Additionally, you can refer to UCLA Health's referral line or their webpage for the latest updates on the insurance accepted by specific doctors.
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Frequently asked questions
Cedars-Sinai Medical Center accepts Traditional or original Medicare (Part A and/or B), including Medicare supplement insurance (Medigap) plans.
Cedars-Sinai Medical Center is also covered by Medicare Advantage plans and private insurance companies that are typically organized like HMO or PPO insurance plans.
If you enroll in an HMO plan, you will be required to select a primary care physician in Cedars-Sinai Medical Group or Cedars-Sinai Health Associates and be referred to specialists within the physician network.
After narrowing down your coverage choice, it is recommended to call the health plan to confirm specific physicians within the product you choose.
Yes, Cedars-Sinai Medical Center is associated with Providence Medical Centers, which are contracted with most major insurance carriers. It is recommended to verify that a specific Providence Medical Center is in-network with your health plan.
