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Kaiser Permanente Individual Health Insurance Plans
Kaiser Permanente offers affordable private health insurance plans aimed at meeting your needs. To view individual medical insurance plans, enter your Zip Code and click “Get Quotes”. View health plans and rates instantly online. Benefits on personal coverage include:
- Doctor Visits
- Specialty Care
- Prescription Drugs
- Labs and X-Rays
- Emergency
- Surgery
- Hospitalization
- Ambulance Rids
- Mental Health Services
How to Find the Right Personal Coverage for You and Your Family
View the various Kaiser Permanente individual health insurance plans and find the right one that fits your needs as far as cost and benefits. Consider the monthly premiums compared with the coverage that is offered.
Copayment Plans
Individuals looking for richer benefits for the family or for maternity coverage for a wife who may become pregnant may be interested in choosing a health insurance plan with no deductible. These are called "copayment" policies. These personal plans offer more first dollar benefits and thus tend to be more expensive in regard to monthly premiums. Doctor visits, emergency care and hospitalization are all covered immediately with varying copayments.
Deductible Plans
Those who wish to have lower monthly premiums often prefer the Kaiser Permanente standard deductible plans. This middle-of-the-road private coverage affords many individuals just the right balance of quality benefits and affordable premiums. Most of these individual health insurance plans cover doctor visits and prescription drugs with a copayment before the deductible is met, and the deductible would apply for all other services including lab tests, emergency, surgery and hospitalization.
Major Medical High Deductible Health Plans with HSA
Those who are looking for the cheapest individual health plans, tend to like Kaiser Permanente's HDHP coverage options, otherwise known as "just-in-case" insurance. These High Deductible Health Plans tend to have the highest deductibles and the lowest monthly premiums. Most services are not covered until the deductible is met. Also, these plans give you the option of opening a Health Savings Account.
Health Care Reform, Government Programs and the Need for Private Medical Plans
Due to challenges in the economy, many individuals in the USA are without health insurance due to job loss. This has caused people to choose individual health insurance plans, to look to government programs like Medicaid, or to hold out hope for Health Care Reform. However, most of the large scale changes will not go into effect until 2014, so citizens who do not currently qualify for government help are left to find coverage either through their employment or through an individual health plan.
