KAISER PERMANENTE Colorado Health Insurance Plans & Quotes
When comparing Colorado health insurance quotes, 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 right to obtain a quote for Colorado Individual Health Insurance or Colorado Group Health Insurance plans.
Ranked #1 in Rockies for Quality of Care
Kaiser Permanente Colorado health insurance ranks #1 in the state and #6 in the nation according to the National Committee for Quality Assurance in 2011-2012. Despite times of recession, since 2007 Kaiser Permanente Colorado has grown by 7.2 percent, increasing to more than 519,000 members.
Finding the Colorado Health Plan that’s Right for You
Kaiser Permanente Colorado health insurance plans and quotes come in three main types: Copayment (Small Groups only), standard Deductible and Health Savings Account (“HSA”) Deductible Plans. 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 the Colorado health plan which meets your needs best.
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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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Standard Deductible Plans
Many Kaiser Permanente Colorado health plans 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 30% or 40% coinsurance after the deductible. Emergency visits are not subject to a 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 Deductible 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 to use for qualified medical expenses. To open an account, visit the financial institution of your choice, including Wells Fargo, Kaiser Permanente’s preferred bank of choice.
On Kaiser Permanente private Colorado health plans with an HSA option, once the deductible is met, there is no charge for future covered expenses in the calendar year. This gives the individual and family HSA Plans extra appeal, especially with people who receive medical services infrequently.
Kaiser Permanente Colorado Facilities
Kaiser Permanente Colorado health insurance plan 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 Permanente 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 Permanente Colorado Medical Office.
