By Thomas Cazneau
I am a health insurance benefits specialist for an agency that specializes in California Kaiser Permanente health insurance. Choosing medical coverage can be difficult, especially when there are so many options. However, I find that there are three popular plans among customers who call us to enroll for California Kaiser Permanente health insurance. They are the $30/1500, $40/2000, & $40/3000 HMO Deductible Plans.
What makes these California Kaiser Permanente health insurance plans popular?
I notice that many of my callers ask for a basic type of plan. By basic, they usually mean that they would like to be able to see doctors and get prescriptions for low copays. Not every plan offers these two services at low copays right away, but each of these three California Kaiser Permanente health insurance plans does. For more information click Health Insurance Plans.
California Kaiser Permanente Plan: $30/1500 Deductible
The $30/1500 HMO Deductible Plan was the “superstar” plan of 2011. It offers $30 Copays for Doctors Visits, and a $10 Generic/$35 Brand Name Copays for Prescriptions. Also, anything preventive is no charge.
California Kaiser Permanente Plan: $40/2000 Deductible
The $40/2000 HMO Deductible Plan is less expensive than the $30/1500, because of the higher doctor copays of $40 and the higher deductible amount of $2000. It also offers preventive services at no charge. The $40/2000 actually is the lowest cost private California Kaiser Permanente health insurance plan that not only covers these basic services, but also offers maternity coverage, giving future mothers no charge for prenatal services and a relatively low deductible for delivery. Although there are plans with broader maternity benefits, they are generally very expensive compared to the $40/2000 plan.
California Kaiser Permanente Plan: $40/3000 Deductible
The $40/3000 HMO Deductible Plan is becoming one of the most popular California Kaiser Permanente Health Insurance Plans this year, as most individuals want the least expensive plan that will give them doctor visits and prescriptions at low copays. This plan will give them free preventive services, predictable $40 copays for Doctors Visits and $10 Generic/$35 Brand Name Prescriptions copays.
When does the deductible come into play?
Any services considered catastrophic, like hospital stay, outpatient services, and emergency visits, would be full charge up to the deductible amount. This is true for most California Kaiser Permanente Insurance HMO Deductible Plans. Although there are HMO Deductible Plans with lower deductibles, these three stand out among applicants because most individuals are looking for low cost health insurance that will meet their basic needs.
Which California Kaiser Permanente Health Insurance Plan is right for you?
About nine out of ten people who call our office for assistance love one of these three plans. But other options are available also. To find the health plan that is best for your personal situation (including self employed), give us a call to speak to a health insurance agent. They’ll help you choose a plan that’s right for you, whether or not it’s one of these three California Kaiser Permanente Insurance plans. Feel free to contact us for further information or post plan questions below in a comment.