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- Short term coverage is ideal if you missed enrollment, can't afford traditional insurance, are between jobs, just graduated or retired early.
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Kaiser Permanente Health Insurance Review
45 Customer Comments & Reviews - see all comments
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Kaiser Permanente provides care innovations, health education, and clinical research that support health communities across the globe. The company offers affordable health care services which are supported by advance technological tools for disease prevention and management.
What’s Included with Kaiser Permanente?
- Preventive care services
- Emergency and urgent care
- Prescription drugs
- Inpatient hospital care
- Outpatient services
Types of Health Insurance Plans
|
Businesses and Organizations |
Yes |
|
Individuals and Families |
Yes |
|
Short-Term Health Insurance |
Yes |
Plans Reviewed
Bronze Plan
- Out-of-pocket limit: $6,350 per individual for preferred network of providers
- No overall annual limit on specific covered services
- Overall deductibles: $5,000 per person that do not apply to preventive care services
- Other covered service: Routine hearing tests, Bariatric surgery, Acupuncture, Routine foot care
Silver Plan
- No annual maximum limit for selected covered services
- Out-of-pocket limit: $6,350 per individual for in-network providers
- Overall deductibles: $2,500 per person which do not apply to preventive care services and prescription drugs
- Other deductibles: $250 per individual for prescription drugs
- Other covered services: Hearing aids, Routine hearing tests, private-duty nursing
Gold Plan
- Overall deductible: $1,000 per individual which do not apply to preventive care services
- Out-of-pocket limit: $6,350 per individual for preferred network of providers
- No annual maximum limit on some services covered
- Other covered services: Routine foot care, Routine hearing tests, Routine eye exam for adults, Chiropractic care
Platinum Plan
- Out-of-pocket limit: $4,000 per individual for in-network providers
- Overall deductibles: None
- No overall annual limit for specific covered services
- Other covered services: Routine hearing tests, Routine foot care, Acupuncture, Bariatric surgery
How Much Does It Save You?
|
Services Offered |
KP Bronze 60 HSA HMO (Your Cost) |
KP Silver 70 HMO 1500/40 (Your Cost) |
KP Gold 80 HMO Co-insurance (Your Cost) |
KP Platinum 90 HMO (Your Cost) |
|
Preventive Care |
None |
None |
None |
None |
|
Primary Care |
40% after deductible |
$40 |
$35 |
$20 |
|
Inpatient Hospital Care |
40% after deductible |
30% after deductible |
20% |
$290 a day up to 5 days |
|
Outpatient Surgery |
40% after deductible |
30% after deductible |
20% |
$290 |
|
Prenatal and Postnatal |
None |
None |
None |
None |
|
Delivery and Inpatient Well-Baby Care (Maternity) |
40% after deductible |
30% after deductible |
20% |
$290 a day up to 5 days |
|
Lab Tests |
40% after deductible |
$35 after deductible |
$35 |
$20 |
|
X-rays |
40% after deductible |
40% after deductible |
$50 |
$40 |
|
Urgent Care |
40% after deductible |
$40 |
$35 |
$20 |
|
Ambulance Services |
40% after deductible |
$250 after deductible |
$250 |
$150 |
|
Generic Drugs |
40% after deductible |
$20 |
$15 |
$5 |
|
Specialty Drugs |
40% after deductible |
30% after $250 brand deductible |
20% up to $250 per prescription |
10% up to $250 per prescription |
|
Emergency Department Visit |
40% after deductible |
$250 after deductible |
$250 |
$150 |
|
Mental Health Visit |
40% after deductible |
$40 |
$35 |
$20 |
|
MRI, CT, PET |
40% after deductible |
$250 after deductible |
20% |
$150 |
Annual Maximum Limit
|
Bronze |
None |
|
Silver |
None |
|
Gold |
None |
|
Platinum |
None |
*Only on specific covered services
Summary
Kaiser Permanente is a good place to start when searching for health insurance services. A large network of doctors and medical professionals to choose from lets you take advantage of its in-network discounts.
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45 Customer Comments & Reviews
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Our 4 month old grandchild had serious cranial surgery yesterday at Kaiser in Los Angeles. The family was all there in the waiting area. After it was over, it looked like the entire surgical team came to meet us in the waiting area. You could tell by the looks on their faces that all went well! They told us it could not have gone better! What a relief! What a team! We were so relieved! God is good and these doctors are so blessed!
I've been with Kaiser since the 1970s and today's Kaiser bears no resemblance to the original Kaiser. Other than your primary care MD, appointments are absurdly hard to get. Two to four months is typical. Kaiser needs a complete shakeup of upper management. I will be leaving at the next open enrollment period.
Kaiser just updated their communication system and it's been a complete nightmare. You can't communicate with your doctor like you used to, records are being lost and the staff seems extremely confused in executing the simplest of tasks. In the past few months, something has else has occurred (besides the comm system change). It's extremely difficult to get an appointment, lines are incredibly long and staff is extremely irritable. It feels like some high paid executives decided to make changes and have no idea how to run the ship. Do not sign on to this insurance unless you absolutely have to.
As of 1/1/22, we switched to Kaiser. We can see none of our doctors, kid’s meds were changed to generic without warning. She experienced major side effects and we now pay out of pocket for her original meds. I’ve spent in excess of 7 hours on the phone since February trying to schedule an eye surgery. Ive had the same surgery done on the other eye through Aetna. I know how this should all transpire. I’ve seen a really nice doctor for 15 minutes, was told that I’d be contacted in 2-4 weeks to schedule pre op, surgery and post op appointments. I waited 5 weeks before calling because I don’t want to nag. It’s officially been 8 weeks. I’m told weekly when I call that I’ll be contacted but... Read More
The white receptionist refused me from doing my routine labs prior my meeting with my PCP, saying labs are by appointments ONLY. I had the email from my PCP stating appointment not required but she refused to read.
My PCP told me that routine annual labs are free, but I am billed for the routine annual lab and every effort to explain to agents on kp chats ain't giving a damn.
My PCP refused to see me in-person, but I think that as a new patient, seeing me for the 1st time means she will get to know me then subsequent meetings virtually may make sense, but she was bent on meeting me only virtually - to me this is lack of empathy. I ain't gonna renew it - never ever.
I am a teacher most of my paycheck went to Kaiser. I thought they would take care of my husband. He went many times to many doctors they all said he was fine. They did no testing they brushed us off. The only thing they cared about was getting paid. On Aug 31st, 2021 my husband of 30 years died of quadruple endocarditis. The cardiac surgeon diagnosed it in 30 seconds with one symptom. Night sweats. It was a slow-moving bacteria that if caught in time may have been treatable it ate his heart valves. I went to have a conversation at Kaiser and was told "we are so sorry for your loss but we aren't going to change anything." If they had tried to save him and failed I would have understood.... Read More
I am a first time Kaiser member and all I needed help was to get a Member Card so I know my Member ID, which I need to make appointments, I called 4 different numbers that they have online and my first call was horrible, the guy literally hung up on me, the second time was answered but they redirected me to another number that did not work so it hung up on me again, the third time, a lady answered and just hung up on me, fourth time, yes you guessed it right, hung up on me again, so as you can see, Kaiser is the worst hospital to ever be a member in, I'm hoping Kaiser will fix these issues since they are a big company, they get millions of money from Tax payers and has the worst service... Read More
Nurses and staffing directors are striking in support of the Kaiser engineers, while neglecting patient care and still getting paid. Why can't people just do their job, be grateful for their jobs and quit complaining when they are so blessed. This greed has to stop. Life is challenging for everyone one, and there is no reason to spend time purposefully making it worse because you want more for free.
I had a Kaiser gastroenterologist set up Sunday appointments for me when he was promoted to director of the hospital. One time he thought of a question and ran down to x-ray to ask the radiologist and ran back. When there was a shortage of livers in L. A. Kaiser sent me to the Mayo clinic in Florida for a transplant.
The actual doctors and nurses are good, but they are nearly inaccessible. Getting an appointment for anything takes months and getting anyone to respond to a basic message takes forever. Kaiser Permanente should be avoided until they have adequate staffing levels.
Top Rated
Our Partner
- Get Coverage as soon as Tomorrow!
- Short term coverage is ideal if you missed enrollment, can't afford traditional insurance, are between jobs, just graduated or retired early.
- Covers: ER & hospitals coverage, Doctors, Labs, Urgent Care & More
- Visit any doctor in their nationwide network; no referral required
- No long term commitment. Budget Friendly.