Your employer may offer a variety of health plan options. Having a doctor you know and trust is a key part to maintaining your health. This Open Enrollment, be sure your plan includes the largest health system in Santa Cruz County.
With open enrollment coming once a year, you’ll want to make the most of your choices and understand how they’ll impact your family’s health coverage in the coming year.
1. Select an insurance plan accepted by Dignity Health. (see below)
2. Find a Dignity Health Primary Care Doctor that meets your needs.
3. Enroll in your chosen plan based on your employer’s instructions.
– Anthem Blue Connect
– Trio HMO
– HMO Access+
– Tandem PPO
– Active Choice
HealthNet CanopyCare HMO
Networks by Design
Sutter Health Plus
United Healthcare – SignatureValue Advantage
–United Healthcare – Doctors Plan EPO
(* denotes a NETWORK Plan, refer to the back of your insurance card for logo.)
Dignity Health Medical Group - Dominican providers are participating providers of the following Medical Groups (MG) and/or Independent Practice Association (IPA's): Dignity Health Medical Network
The above MG's and/or IPA's contract directly with Health Maintenance Organizations (HMO's). If your health plan ID Card lists one of the above named MG's and/or IPA's DHMG - Dominican providers can see you.
Benefits among health plans and employers vary. Please refer to your health insurance information for details and descriptions of your benefit coverage.
Open Enrollment is a time of year when you can sign up for health insurance. The dates depend on your employer but are generally offered in November. Additionally, you may qualify to enroll if you have a qualifying life event, like losing coverage through your employer.
A primary care doctor helps you to manage your health. Common services include regular physical exams, prescribing medications, treating minor illness and injuries, managing chronic conditions, and screenings for common health problems.
Should you need specialized care, your primary care doctor can expertly guide your next steps, and connect you to the right specialist. There are five main types of primary care doctors: Family medicine doctors for the whole family; internal medicine-pediatric doctors for preventing and treating diseases, pediatricians who specialize in children, internal medicine doctors who care for adults, and OB-GYNs for adult women.
Choosing and building a relationship with one of these doctors can help you live a healthy lifestyle based on your individual needs.
One type of health insurance is not better than the other, but there are differences. With an HMO plan you will choose a Primary Care Provider (PCP), who will coordinate the care you need for any specialists. Services are all provided through physicians and facilities in the health plan's HMO network. With a PPO you may also choose a PCP, but you will not need a referral to see another physician. It will usually cost less to see in-network physicians than an out-of-network physician. Whether you are considering an HMO or a PPO, you can check which doctors, medical groups, hospitals, etc. are in the network before you enroll.
A health insurance broker or agent is a person who can help you apply for help to pay for your health insurance and enroll in a health plan. They can make specific recommendations about which plan to enroll in based on your health care needs. They are licensed and regulated by states and typically get payments, or commissions, from health insurers and therefore, consumers do not pay for their services. Dignity Health offers a list of brokers here who provide enrollment assistance over the phone and in person.