Kaiser Permanente Health Insurance

Important Facts About Kaiser Permanente Health Insurance

Kaiser Permanente, headquartered in Oakland, California, is the largest managed care, not-for-profit health benefits organization in the United States. It has nearly 9 million subscribers and employs approximately 167,300 people. Its network includes 14,600 physicians, 35 medical treatment centers, and 400 medical offices. In 2008, Kaiser Permanente had annual operating revenues of $40.3 billion.

The Health Plan and Hospitals function as not-for-profit organizations and operate within state and federal guidelines. The Medical Groups are managed as for-profit partnerships or registered professional corporations, depending on their locations.


A Summary of Kaiser Permanente Health Insurance Health Plans

Kaiser Permanente HMO Plans are reasonably priced and easy to comprehend. There is a choice of six different health benefits packages, each of which comes with different coverages and rates. For consumers who prefer low co-payment amounts and low annual deductibles, but are willing to pay higher monthly premiums, the Premier Plan and Plan 500 are good choices. For individuals who desire lower monthly premiums but are willing to pay more for treatment and services, Kaiser Permanente offers Plan 1000, 2000, 3,000, or 5000.

The Balance HMO Plan offers consumers low monthly premiums and is designed for those people who have predictable medical expenditures and out-of-pocket costs. The Balance Plan allows co-payments only for after-hours urgent care, primary and specialty treatment services, and emergency room visits.

Five different plans are offered under the Balance Plan, with annual deductibles of $2,000, $3,000, $5,000, $7,500, and $10,000. The monthly premium is based on the deductible amount chosen. Higher deductible plans carry lower premiums, while lower deductible plans cost more in monthly premiums.

Another choice for consumers is the Custom Care HealthInvestor (HSA) Plan. This plan provides lower premiums and also allows policyholders to set up a tax-advantaged Health Saving Account. Members contribute funds to the HSA which is then used to pay for qualified medical services. Any money not used during the year is rolled over to the following year. The Balance HSA Plans are offered with two different options. One has a low $1,200 deductible and provides 100% coinsurance and the other has a $2,000 deductible with 80% coinsurance.


Competing Carriers

Cigna Health Care
Empire Health Insurance


Kaiser Permanente Health Insurance Quotes Are Available In The Following States:

Maryland, Virginia, District of Columbia, California