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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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- No long term commitment. Budget Friendly.
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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Leaving Kaiser Medicare Advantage after a few months of frustration. Much the same as others have expressed. Hard to communicate (Maryland). Hospital has to route all calls and does not answer the phone. Call back does not work. No direct lines.
Would not cover second opinion for possible pacemaker.
Minor surgery turned into minor assault. (The procedure seemed to be 3 times that necessary but have not been able to get the pathology slides for independent analysis.)
Wanted to treat high blood pressure on basis of 2 office readings when outside readings show borderline to low blood pressure.
Cannot get another dermatology appointment before leaving, probably a backhanded plus.
I only have Kaiser Permanente dental insurance because it is cheap. And that's what you get: Cheap care and long wait times.
Had shoulder surgery and KP scheduled my appointments with 2 separate physical therapists. I was charged for an evaluation by each PT and when I disputed the charge, I was denied. I was told, "the PT completed the evaluation so the charge was valid." If I would have known I would be charged for 2 separate evaluations, I would have skipped the first. BTW, the evaluations were 2 business days apart.
I enrolled in Kaiser Medicare Advantage in Feb 2020. I was told to come for a baseline physical with $0 copay. After the physical, I was billed for $10 copay. After my first visit to the Optometrist which EOC says has a $10 copay, which I paid, I was billed for an additional $30. Again I had a preventative colonoscopy which EOC says has $0 copay but I was billed for $40 after the procedure. When I called to dispute the charge, the member service rep threatened to hang up on me and refused to transfer me to supervisor. She offered to waive to copay as a one-time courtesy and not because they were wrong. Right now I am even scared to go for services because of the hassle of dealing with the... Read More
If you want care, competent staff, real follow-up with your physician, Kaiser is not the place. Impossible to speak with your physician. HOURS of wait to speak with call center staff when issue is more urgent than leaving an on-line message. The decline in access to care has been dramatic over the last few years.
Sprawling, tangled bureaucracy that seems to be spending all its money creating non-communicating departments that prevent rather than extend care. For something as simple as establishing my contact number, Kaiser seems to think that a 10-year-old CA phone number is the default on, no matter how many times I called to change it. Finally it seems to be fixed. Long wait times to get basic appointments, torturous hard-to-navigate personal log-in that, again, seems dedicating to confusing clients rather than enlightening them and getting the care they need. A "personal" doctor that cannot be bothered to inquire or answer the most basic questions-- her last response was "that is not my... Read More
I’ve been a Kaiser patient for over 50 years and I have to tell you I had excellent care for a very long time but the last 5-6 years. Is unbelievable just trying to get my medication refills after fall and doctors instructions go in and like I’m supposed to and doing everything my prescriptions are outsource because of my insurance and they could care less about getting your medication to you
This has been an ongoing problem for the last few years I can’t wait until I can exit out of Kaiser for good
Kaiser Permanente is absolutely excellent. The doctors are great and very thorough. Kaiser is very well organized and you can get appointments easily and quickly.
A lot of problems with this conflict-of- interest Provider/Insurer. To start with, I think they are focused on preventative care to the point that they suck at diagnosis and treatment. And I'm really disappointed in how poorly they accommodate disabled patients like my mother. The local Kaiser claimed they didn't have hydraulic patient lifts when they actually did, but that's not the worst of it - apparently they can't figure out how to note/top of chart the necessary disability accommodations needed. Poor communication, poor organization, and poor follow-up: drops the return emails, faxes, and phone calls ball all the time - on both the medical side and the billing/financial services... Read More
I just got off the phone with a KP pharmacist, I asked her why I paid what I did for my prescription. She said the prices are what they are, she transferred me without another word, the phone rang a few times and hung up.
I called back got pharmacy tech and after asking several different ways, she finally explained, then said "you should have used mail in". I always use mail in doctor, changed dose and said pick it up.
Almost all seniors in my building have had covid vaccine, except ones who have KP, I just got mine someplace else, and have never heard back from KP about my place in the digital line. The are cheap if you can't afford anything else
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.