With Thanksgiving behind us, I am reminded of the wisdom that comes by not bringing up hot-button topics at family gatherings. For some, subjects best left ignored would be religion or politics. For others, some common but unnerving questions are, “When are you going to get a job? “, “When are you going to start saving money?”, or “Why don’t you get health insurance?”. Usually, the questions come from concerned people who truly care about your success. This article seeks to help you answer the last question: Why don’t you get health insurance? With just two weeks until Christmas and the next family gathering, let’s see if we can simplify the process of getting you affordable medical insurance.
How to Get Health Insurance with Kaiser Permanente: Keep it Simple
Before you shop for medical coverage, figure out how much you can afford for the monthly premium. Next, ask yourself what kind of services you tend to need and how often you go. If the answer is ‘Not if I can help it”, then, you’d probably want to look into a deductible plan. It is one of the best ways to get cheap health insurance because the monthly premiums tend to be lower than other policies. Kaiser Permanente has a variety of policies. In this article, we’ll focus on options for a healthy individual.
A deductible plan is an insurance policy where you would first pay for the services you receive before the insurance company pays. For example, if you break a leg and the emergency visit costs $1000, you would pay the whole $1000 if your deductible is $1000 or more. The value of having Kaiser insurance is that you will not pay more than whatever the maximum out-of-pocket limit is. It’s your way of protecting your assets, and also keeping your family from worrying about you, or nagging you. You’re buying peace of mind, no matter your scenario.
How do I know which plan to choose?
Again, first find out how much you can afford. Then, choose the Kaiser insurance plan that gives you the most benefits within your price range. No matter how appealing more expensive plans appear, stick with the plan. (No pun intended.) Don’t buy a plan with bells and whistles if you’re rarely at the doctors.
The higher the deductible, the lower the premium will be. For Kaiser Permanente, one of the most popular deductible plans is the $0/5000 HSA Deductible Plan. People like it because it’s cheap, preventive check-ups are free, and the most you’ll ever pay out of pocket in a worst case scenario is $5000- which is low, compared to other high deductible plans.
How long am I locked into the policy?
You’re not in it for life. On Kaiser insurance plans, the policy term is month to month. If you decide you don’t want it anymore, just let the carrier know and your policy will be cancelled, no questions asked.
On the other hand, if you develop a medical condition and you’re using your policy left and right, rest assured that you won’t be cancelled for over-utilization. So long as you’re paying the premium, your policy will not be cancelled.
Enjoy the Holidays!
So now that you know how to get Kaiser Permanente insurance, go for it and enjoy the holidays without skirting this hot-button question!