St. Vincent IPA represents your physicians. Your health plan (for example Anthem Blue Cross, Health Net, and LA Care) requires you to choose a primary care physician (PCP) . You’ve chosen a PCP with St. Vincent  IPA. Your PCP and St. Vincent IPA will be coordinating all of your care, using our specialty and hospital networks. Your health plan determines your benefits, for example your co-payment amount when you see a physician or go to an emergency room. If you have your insurance through your employer, your employer and insurance company work together to determine what your monthly premium will be and the premium is paid directly to your insurance company by you or your employer.