Sutter Health provides income-based charity care, and other forms of Financial Assistance including discounts to qualified patients. Learn more about financial assistance options.
Healthcare Coverage Options
Understanding Your Coverage Options
Your health and well-being are important to us, and avoiding a gap in coverage is important to your health and peace of mind. Reviewing all your plan options will ensure you make the best decision for you and your family.
If you or a family member have lost healthcare coverage due to wage or hour reductions, loss of job or another life event, below are some options that may help ensure you continue to have access to the safe, high-quality care available through the Sutter Health network.
Extend your current employer-offered coverage.
COBRA and CalCOBRA provide eligible individuals the right to temporarily continue employer-provided group health coverage and generally allow individuals to continue coverage for a period of 18 months and up to 36 months, depending on eligibility. While a valuable resource to avoid a gap in coverage, this can be costly.
You have 60 days from the date you are provided a continued coverage election notice or the date you lose coverage (whichever is latest) to elect continuation coverage. Talk with your employer to understand your options.
COBRA Continuation Health Coverage for Workers (Note - please use Chrome or Firefox; IE not supported)
Purchase an individual or family plan directly from Sutter.
Sutter Health Plus, a not-for-profit HMO affiliated with Sutter, offers comprehensive health plans with access to a high-quality network of providers. To qualify for coverage you must live or reside in the health plan’s service area. You may purchase an individual or family plan directly through Sutter Health Plus as these plans are not available through Covered California.
Enroll in an individual PPO plan offered by Blue Shield of California.
Health insurance premiums through Covered California are based on an enrollee’s age, where they live, their household size, their projected household income, and the health plan and benefit level they select. Depending on income levels, you may qualify for financial assistance through Covered California.
Participating Health Plans
All of the following Blue Shield of California PPO health plans are accepted by each of the medical groups listed.
|Blue Shield Product Name||Medical Group|
Visit Covered California or call (800) 300-1506 or (888) 889-4500 (TTY) for more information.
Medi-Cal is a program that offers free or low-cost health coverage for children and adults with limited income and resources. Medi-Cal bases your eligibility on your income. It is not based on how much money you have saved or if you own your home. You do not have to be on public assistance to qualify for Medi-Cal.
Enroll in Medicare or a Medicare Advantage health plan.
Medicare is a federally funded health insurance program for individuals age 65 or older, younger than 65 with certain disabilities, or any age with end-stage renal disease (ESRD). If you have lost coverage and you’re:
- Approaching 65, you may want to consider the other coverage options available to you until you qualify for Medicare, such as COBRA (if you had employer-provided coverage), Sutter Health Plus, Covered California, or Medi-Cal. However, it is still important to learn now about your Medicare coverage options.
- Over 65, you may qualify to enroll under Medicare’s Special Enrollment Period.
Upon enrollment or after your new plan is effective, you may need to request that your new health plan reassign you to your current participating medical group and participating primary care physician when applicable.