Kaiser Permanente Health Insurance Plans
If you're shopping for the best health insurance plan, consider what Kaiser Permanente has to offer. As the leading HMO (Health Maintenance Organization) in the United States, Kaiser Permanente offers low cost pricing, reliable and convenient integrated services, and advanced medicine for their nearly 9 million members. Use the form above to get online quotes and compare health insurance plans from Kaiser Permanente. Note that during open enrollment periods, you may qualify for financial assistance if you apply for Kaiser Permanente plans through the Covered California Health Insurance Exchange.
Enrolling for Kaiser Permanente Health Plans
You can enroll for Kaiser Permanente medical coverage by purchasing an Individual Health Insurance Plan privately, or by signing up on a Group Health Insurance Plan through your employer, if they offer health benefits and you are eligible.
Kaiser Permanente offers a variety of affordable health insurance plans for individuals and families, as well as businesses. The health plans include benefits, deductibles, and out of pocket maximum amounts at graduated levels, so you can have a better chance of balancing the premium with the coverage you need. KaiserQuotes.com is a leading provider of Kaiser Permanente health insurance quotes.
Individual health insurance applications are accepted only during set open enrollment periods. The next opportunity is the fall of 2014, for a January 2015 start date. An exception would be if you have a qualifying life event. Then, you may apply any time in the year, so long as it is within 60 days of the life event. Some examples of a qualifying event are: You lost health coverage, you moved to California, or you had a change in marital status that affected your medical insurance.
Basic Types of Health Insurance Plans
There are four basic types of Kaiser Permanente health insurance plans:
- Bronze Plans. These plans carry the lowest premiums and are ideal for people who rarely go in for services. Bronze plans are high deductible plans, where you would pay out-of-pocket for most of the medical services before the insurance applies. There are two kinds of Bronze Plans: HSA and non-HSA Plans. The coverage is the same on either option, except on the non-HSA option, the first three primary care doctor visits are a set fee of $60 per visit.
- Silver Plans. These are a middle-of-the-road option. The monthly premiums are slightly higher than the Bronze plans and the deductible does not apply to most of the services that people tend to need most. On individual plans, you may qualify for an enhanced Silver plan where the deductible may be smaller or not applicable, and your cost for services may also be reduced.
- Gold Plans. If you prefer to not have a deductible, consider a Gold plan. On these plans, all covered services are discounted at the get-go.
- Platinum Plan. Kaiser Permanente offers one Platinum plan. There is no deductible. The Platinum plan has the lowest copayments and maximum-out-of-pocket limit, unless you qualify for an enhanced Silver plan.
Preventive Care Services
There is little or no charge for most routine visits and screenings, such as an annual physical exam, immunizations, and well-child check-ups.
What's covered under a health plan?
In compliance with the Health Care Reform mandate, all Kaiser Permanente health insurance plans will include the following minimum essential benefits:
- Outpatient services, such as doctor visits.
- Emergency room services.
- Maternity and newborn care.
- Mental health and substance use disorder services.
- Prescription drugs.
- Rehabilitative and habilitative services and devices.
- Laboratory tests.
- Preventive services.
- Pediatric services, including dental and vision care.