Kaiser Permanente Health Plans
As the leading U.S. HMO, Kaiser Permanente Plans offer low cost pricing and advanced medicine for their 8.7 million members. With the escalating costs of medical care, you may want to consider switching to a more affordable health insurance plan. Use the form to the right to get online quotes and compare health insurance coverage on various Kaiser Permanente health plans with varying coverage and pricing. The basic benefits include the following:
Doctor Visit Coverage on Kaiser Permanente Plans
Copayment policies and some Deductible Kaiser Permanente Health Plans include physician visits with a low copay. Other policies require paying the full member price for the visit until you have reached your deductible.
Prescription Drugs
Rx coverage is included in most Kaiser Permanente plans. Often, there is a $10 copay for generic and a $35 copay for brand name drugs.
Hospitalization
Some Kaiser Permanente health plans charge a copayment, which covers hospitalization-related expenses such as the cost of the room, food, surgery and any necessary anesthesia, lab tests, medications, and X-rays. Others have you pay a percentage (usually 20-30%) of the cost, after meeting the deductible.
Emergency Department Visits
These often involve paying a copay of around $100-$150 or paying 30% coinsurance. This benefit is subject to the deductible on almost all deductible Kaiser Permanente health insurance plans.
Ambulance Services
Ambulance rides usually require a payment of $100-$300 or 30% of the cost. This service is usually subject to the deductible on Kaiser Permanente plans with a deductible.
Outpatient Surgery
Going in for surgery and leaving the same day will usually require a copay of $50 to $250 or 30% coinsurance. This benefit is covered after the deductible is reached on Kaiser Permanente health plans that have deductibles.
Choosing the Right Kaiser Permanente Health Insurance Plan
Kaiser Permanente offers a variety of plans to meet different needs. Some options include a deductible, while others do not. For more information, click Different Types of Health Insurance Plans. Also, some deductible plans include an HSA feature. Click HSA Health Insurance for details.
The various coverage types include differing copayments, deductibles, benefits and pricing. Also, you may have the option of choosing from individual health insurance plans and group Kaiser Permanente health plans if you are self-employed or own a small business. Kaiser Permanente plans for businesses are issued automatically without medical review and include family coverage for dependents. Individual coverage is portable in that it is not tied to your employment and at times can be the more affordable Kaiser Permanente health plan option.
Additional Medical Benefits
Along with the basic coverage mentioned above, Kaiser Permanente health plans include the additional services and specialized care listed below. The amount you pay for these benefits varies based on your policy.
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Health Examinations
- Lab Tests
- X-rays
- MRI, CT and PET Scans
- Routine Physical Exams
- Hearing Exams
- Vision Exams
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Family Coverage
- Maternity Care
- Vaccinations
- Scheduled Prenatal Care
- Well Child Visits
- Family Planning Visits
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Mental Health Services:
- Inpatient Psychiatric Care
- Outpatient Psychiatric Care Visits (Individual or Group)
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Chemical Dependency Services:
- Inpatient Detoxification
- Outpatient Therapy Visits (Individual or Group)
