In getting acquainted with Kaiser Permanente’s 2012 plans for Georgia Individual Health Insurance, I discovered that the new offerings are cheaper than last years’ options. New enrollees will have many affordable individual health plans to choose from. And if you are already a Kaiser member, you could still take advantage of the savings by downgrading plans. For example, a 32 year old male could potentially save 18 percent by switching from his Signature Plan to a comparable 2012 plan. Below are sample scenarios of who could benefit by enrolling on the 2012 Kaiser plans in Georgia. The sample quotes are based on the 1st quarter Kaiser Permanente rates for a 32 year old male.
My goal is to find affordable major medical coverage in Georgia.
For a 32 year old male who is looking to become a Kaiser member, seven of the 13 new Kaiser plans cost under $100. The cheapest individual plan in Georgia is the Advantage 7500 Plan. If you enroll for this plan, you would be buying first dollar coverage for emergencies, primary care doctor visits, generic drugs, and most lab and x-rays. The main drawback on this plan is the large $7500 deductible, plus the $5000 out-of-pocket maximum, for a total of $12,500. If you want a major medical plan with a lower deductible, consider the Essential 5000 Plan. The benefits are similar to the Advantage 7500, except that the most you would pay out-of-pocket would be a total of $5000. For our 32 year old male, the cost is $93. For a personalized quote for yourself or your family, contact a benefits specialist at 1-800-514-0958.
My goal is to reduce my existing Kaiser premium.
If you are currently insured on one of Kaiser Permanente’s Signature Plans, you can downgrade to another Signature Plan or one of the new 2012 plans. If our sample 32-year old male migrated to one of the new 2012 plans, the premium savings would look something like this:
- 18% Approximate savings* if you are switching from a Signature Premier Plan to a Classic Plan
- 37% Approximate savings* if you are switching from a regular Signature Plan to an Advantage Plan
- 33% Approximate savings* if you are switching from a Signature HSA Plan to an Essential or HSA Plan
*Based on averaged rates for the 2012 1st Quarter Kaiser Permanente rates for a 32-year old male.
Before you switch plans, be sure to compare the policy benefits. This is especially important if your plan carries a deductible, since your deductible may be reset if you change plans, or if you are in the middle of receiving medical treatment, such as in the case of a pregnancy.
How do I change from one Kaiser individual health plan to another?
A private plan downgrade in Georgia can be requested at any time. Medical underwriting is not required. After you get a quote and identify the plan you want to downgrade to, send a letter to Kaiser Permanente stating the plan you want. Include the member’s name, Medical ID #, and signature. If the member is a minor, the signature of the parent or legal guardian is required. On the other hand, if you are looking to upgrade your benefits, note that this type of policy change can only be processed at your annual policy renewal date. You will need to complete a new application, which is subject to medical underwriting. For details, call 1-800-514-0958.
Also see how to get Georgia Group Health Insurance Quotes.