Sharp Health Plan in California

Sharp Health Plan is the largest locally based commercial health plan in San Diego and is a subsidiary of Sharp HealthCare, the largest provider of comprehensive health care services in San Diego. Sharp Health Plan is a not-for-profit organization that has been serving the health benefit needs of businesses of all sizes in San Diego and southern Riverside counties since 1992. Sharp Health Plan offers a range of health insurance plans designed to meet the unique needs of individuals, families, and businesses in the San Diego area.

Sharp Health Insurance Plans of California offers a variety of health insurance options for individuals, families and businesses that combine affordability and choice, while delivering high quality health care and personal service. Members have access to valuable plan enhancements, such as interactive wellness resources, dental discounts, Sharp Nurse Connection© and our exclusive global emergency services program.

What insurance plans are available

Sharp Health Plan offers a range of health insurance plans designed to meet the needs of individuals, families, and businesses. These plans include:

• Individual and Family Plans: Sharp Health Plan offers a variety of individual and family plans designed to meet the unique needs of individuals and families. These plans include bronze, silver, gold, and platinum level plans, which offer different levels of coverage and cost-sharing.
• Medicare Advantage Plans: Sharp Health Plan offers Medicare Advantage plans designed to provide comprehensive coverage for Medicare beneficiaries. These plans include a variety of benefits, including prescription drug coverage, preventive care services, and access to a network of healthcare providers.
• Small Business Plans: Sharp Health Plan offers a range of health insurance plans for small businesses, including HMO and PPO plans. These plans are designed to provide comprehensive coverage at an affordable cost, and are available to businesses with as few as two employees.
• Covered California Plans: Sharp Health Plan is a Covered California partner, offering a variety of health insurance plans on the state's health insurance exchange. These plans are designed to meet the unique needs of individuals and families who are eligible for financial assistance through Covered California.

Sharp Health Plan offers a range of insurance plans to meet the diverse needs of its members. The company offers HMO, PPO, and EPO plans, each with varying levels of benefits and cost-sharing. The health plan also offers dental and vision insurance as optional add-ons to its health plans.

HMO plans are the most popular plan option offered by Sharp Health Plan. With an HMO plan, members choose a primary care physician who coordinates their care and provides referrals to specialists when needed. HMO plans typically have lower out-of-pocket costs than other plan types, but members are limited to receiving care from providers within the plan’s network.

PPO plans offer more flexibility in terms of provider choice, allowing members to see any provider they choose without a referral. PPO plans typically have higher out-of-pocket costs than HMO plans, but may be a good choice for those who prefer a wider range of provider options.

EPO plans are a hybrid between HMO and PPO plans. With an EPO plan, members are not required to choose a primary care physician, but must see providers within the plan’s network in order to receive coverage. EPO plans typically have lower out-of-pocket costs than PPO plans, but may have more limited provider options.

Member Benefits with Sharp Health Plans in California

Sharp Health Plans of California offers a variety of member benefits designed to help members get the most out of their health insurance coverage. These benefits include:

• 24/7 Nurse Advice Line: Sharp Health Plan members have access to a 24/7 nurse advice line, which provides expert medical advice and guidance on a variety of health care issues.
• Online Health Resources: Sharp Health Plan offers a variety of online health resources, including health assessments, health and wellness articles, and a health library.
• Prescription Drug Coverage: Many of Sharp Health Plan's insurance plans include prescription drug coverage, which provides members with access to a range of medications at an affordable cost.
• Preventive Care Services: Sharp Health Plan covers a range of preventive care services, including routine physical exams, mammograms, and flu shots.
• Wellness Programs: Sharp Health Plan offers a variety of wellness programs designed to help members maintain a healthy lifestyle. These programs include weight management, smoking cessation, and stress management programs.

In 2013, Sharp Health Plans of California was selected as one of 13 health plans to participate in Covered California’s individual marketplace and one of 6 health plans to participate in Covered California’s SHOP marketplace for small businesses.

As a National Committee for Quality Assurance (NCQA) accredited health plan, Sharp Health Plan strives to continually improve the quality of our services and benefits, and seek innovative solutions to today’s most complex healthcare issues. For more information about Sharp Health Plan, contact us at (858) 499-8300 or toll-free (800) 359-2002.