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KAISER PERMANENTE Colorado Health Insurance
When choosing a medical plan, the key is finding the right coverage at the right price. Kaiser Permanente, America's leading HMO care provider, has made great strides in providing comprehensive quality care while maintaining affordable rates. Enter your zip code in the field to the left to obtain a quote for Colorado Individual Health Insurance or Colorado Business Health Insurance plans.
Ranked #1 in Rockies for Quality of Care
Kaiser Permanente Colorado health insurance ranks #1 in the state and #9 in the nation according to the National Committee for Quality Assurance in September of 2010. Despite times of recession, since 2007 Kaiser Colorado has grown by 7.2 percent, increasing to more than 519,000 members. Currently, the carrier is the 4th largest provider of health insurance in the state.
Finding the Colorado Medical Insurance Plan that’s Right for You
Kaiser Colorado health insurance plans come in three main types: Copayment (Small Groups only), Deductible and Health Savings Account (“HSA”). Which kind you choose will depend on your specific goals. Are you mainly looking for low monthly premiums, or are you looking for richer coverage? Consider the three types of coverage and choose which one you think fits your needs.
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Copayment Plans (Small Business Groups only)
Many people associate Kaiser Permanente with its classic copayment plans. On these plans, a KP Colorado health insurance plan member will pay a pre-determined fixed-dollar amount, which is called the “copay” for benefits received. There is no deductible so the insured tends to save on out-of-pocket expenses at the point of service. All plans cover prescription drugs immediately with the exception of one plan that has a pharmacy deductible. Even though copayment plans can tend to be more expensive than deductible plans, many find that the predictable costs, which provide peace of mind, are worth the tradeoff.
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Deductible Plans
Many deductible medical insurance plans in Colorado cover doctor visits with a copayment before the deductible is met. Most of the deductible plans cover prescription medications, but some do not. Of those that include Rx coverage, most cover generic drugs with a copayment right away and only have an Rx deductible for brand name drugs. Be sure to check into the details of your Colorado health insurance plan regarding medications before making your selection. Hospitalization usually involves the covered member paying 20% or 30% coinsurance after the deductible. Some labs and X-rays are free under these healthcare plans, and some involve paying coinsurance. The out-of-pocket maximum is added onto the deductible and usually goes up with the higher deductible health insurance plans.
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HSA Plans
Within the category of deductible plans, Kaiser Permanente offers several Colorado health insurance plans which are HSA compatible. This feature gives the insured the option of opening a health savings account through a bank that they fund for future medical expenses. To open an account, visit the financial institution of your choice, including Wells Fargo, Kaiser Permanente’s preferred bank of choice. There are many benefits in having an HSA:
- First, you may be able to deduct your qualified medical expenses from your federal taxes.
- Secondly, if money remains at the end of the year, it rolls over for the next year.
- Finally, the account is owned completely by the individual, and upon passing, it becomes an inheritable item for beneficiaries.
The debit card associated with the HSA can be used to pay for office visits, prescription drugs and other qualified medical expenses. For example, if you purchased the KP HSA 2000/20/RX Deductible Plan and had $4,000 in your health savings account, in essence, you have bought yourself 100% coverage. All your expenses up to your $4,000 out-of-pocket maximum would be covered by your HSA, and after $4,000 your Colorado health insurance plan covers the remaining out-of-pocket expenses until the end of the calendar year. This is a great way to purchase peace of mind.
Kaiser Colorado Facilities
Kaiser Colorado health insurance plans members can find facilities in the Denver-Boulder Area and in Colorado Springs. New facilities include those in Evergreen and Castle Rock. By early 2013, they aim to create additional facilities in Brighton and Larkridge. As of January 1, 2011 all Kaiser Members within the state are able to obtain medical services within the Southern Colorado or Denver/Boulder regardless of their primary service area. This new crossover provides a broader array of physicians and facilities for all members to visit any Kaiser Colorado Medical Office.
