Building partnerships with our insurance providers
Reflecting our commitment to providing the best possible access to our services for our community, Community Hospital enjoys strong relationships with many insurance plans.
Anthem Blue Cross
Our agreement with Blue Cross (effective since Jan. 1, 2011) gives Community Hospital tier-one, preferred status with employers that offer a tiered system of health insurance coverage and continues our longstanding, in-network status for all other Anthem Blue Cross plans offered locally.
Employers currently offering a tiered benefit structure and receiving Community Hospital’s tier-one, preferred status are CalPERS (California Public Employees' Retirement System), and MPC (Monterey Peninsula College).
What does tier-one status mean at Community Hospital versus other lower-tier hospitals?
- You will pay the lowest out-of-pocket costs available through your Anthem Blue Cross plan.
- You will have the lowest level of co-pays and co-insurances.
- You will pay the lowest possible deductibles.
- You will have access, at the lowest possible costs, to all Community Hospital-based doctors for whom the hospital bills — for example, radiologists, radiation oncologists, pathologists, and Emergency department physicians, among others.
Our agreement with Blue Shield (effective Jan. 1, 2011) includes the hospital-based doctors for whom Community Hospital bills — for example, the specialties of radiology, radiation oncology, pathology, psychiatry, and emergency medicine, among others. All are considered in-network providers on all Blue Shield plans. That means lower out-of-pocket costs for our patients for these doctors' services.
In addition, we are an in-network provider of the Blue Shield Life and Health insurance plan.
We are in-network with these other insurance plans
APS Healthcare (behavioral health)
Community Health Plan (CHP)
Magellan Health Services
Managed Health Network (MHN)
Pacific Health Alliance (PHA)
U.S. Behavioral Health (United Behavioral Health/PacifiCare Behavioral Health)
Covered California (California’s health insurance exchange)
In September 2010, we received notice from Aetna that they intended to cancel our contract with them. Despite considerable effort on our part to reach an agreement similar to those we signed with Anthem Blue Cross and Blue Shield, in the end that didn't work for Aetna. We realize that Aetna's decision to terminate has been very painful and disruptive to our community, and we wish that the same positive outcome achieved for Blue Cross and Blue Shield patients had been possible for those with Aetna.
So, since January 1, 2011, Aetna has not considered Community Hospital of the Monterey Peninsula an in-network provider — except for emergency services only. For those with Aetna insurance, that means Aetna does not cover services at Community Hospital in the way it did in the past and its members have higher out-of-pocket costs to use Community Hospital and the hospital-based doctors for whom Community Hospital bills. Some self-insured employers will still offer plans where Community Hospital is covered at in-network rates, so check with your employer’s HR department.
This change also meant that, as of January 1, 2011, if a community-based doctor only has privileges at Community Hospital, that doctor's services are no longer be paid in the same way. That resulted in higher out-of-pocket expenses for those patients with Aetna.