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Open Enrollment

In Merced County, it's easy to find health care that helps you be at your best. This Open Enrollment, choose a plan that includes Dignity Health doctors and hospitals.

 

Take Charge of your Health Coverage

Open Enrollment is the one time each year when you can enroll, adjust or drop your health insurance without special circumstances or a qualifying life event. During Open Enrollment, you have the opportunity to select health insurance, whether it’s through your employer, independently through the state exchange Covered California, or through a Medicare plan. This is a crucial time to really think about what health coverage you and your family will need for the next year. By carefully evaluating your options and planning ahead, you can choose the best health plan to fit your needs, ensuring you have the benefits you need for the year ahead.

I have health insurance through my employer

This Open Enrollment, be sure the health plan you choose includes Dignity Health. Ask your HR Benefits Manager or click below to learn more.

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I buy my own insurance

Get health coverage for your whole family through the Affordable Care Act (ACA). Click below to learn about available options.

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I am eligible for Medicare

Considering a Medicare Advantage plan? Click below or contact your current broker or licensed insurance agent for more information.

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Our Affiliated Medical Groups

Dignity Health Medical Group connects you to trusted primary and specialty care providers. We are committed to delivering high-quality, personalized, and compassionate health care, providing the resources you need—when and where you need them. We offer convenient access:

  • Same-day appointments for primary care
  • Virtual visits for select providers
  • Easy, online appointment scheduling
  • My Portal - Dignity Health’s Patient Portal
  • Referrals to trusted specialists

Learn more

 

Additional Resources

*Please note that hospital and medical group clinics may accept different health insurance plans. To ensure your insurance is accepted at your preferred location, we recommend contacting your health insurance provider directly to confirm coverage.

 

Our locations

Tips for navigating Open Enrollment

To make the most of your choices during open enrollment, it’s important to understand what your choices are and what effect these choices have on the health care you and your family will receive in the coming year. We can help.

 

Frequently asked questions

Open Enrollment is a time of year when you can sign up for health insurance. Additionally, you may qualify to enroll if you have a qualifying life event, like losing coverage through your employer.

 

Open Enrollment dates depend on the type of insurance. These are the dates to enroll for coverage in 2022:

  • CalPERS employees and retirees: September 18, 2023 - October 13, 2023
  • Medicare Advantage: October 15, 2023 - December 7, 2023
  • Individual Market: November 1, 2023 - January 31, 2024

You may check with the health plan(s) to determine if the hospital(s) or doctor(s) are in-network with the health plan. If you need a primary care physician (PCP) or are looking for a specialist, we can help.

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 any specialty care you may need. 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 out-of-network physicians. Whether you are considering an HMO or a PPO, you can determine which doctors, medical groups, hospitals, etc. are in the network before you enroll.

A primary care physician (PCP) helps you manage your health. Common services include regular physical exams, prescribing medications, treating minor illness and injuries, managing chronic conditions, and screening for common health problems.

 

Should you need specialized care, your primary care physician can expertly guide your next steps and connect you to the right specialist. There are five main types of primary care physicians: 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.

Dignity Health is not a health insurance company. Dignity Health is a provider network of more than 60,000 caregivers and staff who deliver excellent care to diverse communities in hospitals, physician offices, and other types of care centers in California, Arizona, and Nevada. Headquartered in San Francisco, Dignity Health is the fifth largest health system in the nation and the largest hospital provider in California.

It's a good idea to confirm your doctor and your hospital of choice are covered by your new insurance for the upcoming year by checking the insurance website or calling your insurance carrier directly. Do not assume your physician is covered without checking first. Doctors and hospitals may periodically change the insurance plans they accept.

Whether you purchased coverage during Open Enrollment in the last year or two, or you began coverage due to a qualifying event in between Open Enrollment periods, it's a good idea to assess your coverage each year. The Open Enrollment period, which generally begins in November and runs through January, is the only time you can make a change unless you have a qualifying event, such as getting married, moving, or having a child. The health plan options available in your area can change each Open Enrollment. By taking the time to shop around, you may find a carrier or plan that will cost less each month or less when you access services.

*Benefits among health plans and employers vary. Please refer to your health insurance information for details and descriptions of your benefits coverage.