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- 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.
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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They never accept comments or complaints. You MUST file a formal complaint. So if you need a particular procedure they don’t want provide it’ll take months to state your complaint.
Kaiser is not new patient friendly. Be very careful choosing Kaiser for your new healthcare provider. Their web page has several glitches and will re-route you in circles. It's maddening. Their member services are not any better at helping a new member feel they have made a good choice with putting Kaiser in charge with their health. If you get the runaround and bad advice from the beginning, how can you feel confident that you are going to get the best care moving forward? It's your responsibility to insure you have the best care available to you. Chose you healthcare wisely. If they can't get it right from the beginning, you can't have confidence they will improve as time moves... Read More
Kaiser's billing practices are deceptive. They indicate their preventative care is at no charge, but that's nonsense. I just went for my yearly physical. The doctor found a little wax in my ear, and removed it. I was not told that removing the wax from my ear was a separate procedure I would be charged for, but I received a bill. As well, I specifically told the doctor not to request any lab work for which I might be charged, and she agreed. I received a bill for the lab work. Their rules state they won't charge a lab work fee unless they find anomalies; unfortunately, THEY WILL find anomalies. In my case the anomalies were not clinically or medically significant, and did not warrant... Read More
Basically RN and PA care for the cost of $$$$ Premiums. Doctors are being overworked like line people working in a sardine factory, such that most experienced GPs and specialists have jumped ship, mostly taken retirement. What are left are less experienced doctors, or newbies, and 3-4 months out to get an appointment even with them.
For anything sooner have to go with a PA or a nurse. The pharmacist at a nearby grocery/pharmacy probably knows more than some of these folks..
Worst health insurance I have ever had. They doctors are incompetent and screwed up my care in multiple major ways. I don't care how cheap it is, I will never use KP again.
My Grandmother paid into Kaiser Permanente Platinum plan her whole life , into her 80s. She developed dementia , had a stroke and was unable to care for herself. With no relatives in Oregon , I moved her to Montana to care for her. Kaiser Permanente cut off her benefits because they have no coverage in Montana. She counted on their help and they left her with nothing!!!!Be careful!!
Kaiser sent my $180 bill to a collection agency even tho I was making payments. The world is in a global pandemic, people can’t work and pay bills. I was attempting to pay off my bill because I had been able to work some. However, I couldn’t pay it as fast as they wanted, so they chose to do this. They’re evil.
Do not get this insurance. There is a reason why this company used to be called group death. Their name may have changed but not their practices. I have been misdiagnosed by this organization so much that I have lost total faith in them. The latest example is one of their doctors refusing to fix a labral tear in my left hip. It hurt so bad that I could barely walk. The spinal doctor I went to said I needed surgery but the hip specialist at the capital hill kaiser said I was too old for surgery at 56 years. She went on to say that people get these tears as we age. Well except I fell off my porch and landed on concrete so it wasn't an age problem. She also refused to look at the mri the... Read More
I have had Kaiser for over 40 years. Just this year I had a bad accident, needed surgery and hospital stay, out of state..they paid everything; then had to have more surgery for the same injury again when I came back home..no problem. My doctors email me back with 48 hours, usually less than that and I have never had to wait to get an appointment. The only problem with Kaiser is that it is not in more than a few states. So wish it was in Nevada or Arizona. Will stay with Kaiser.
Kaiser is a nightmare for my Mom who is 84. We are dealing with a number of medical errors. Kaiser will also keep you waiting for 3-4 months for an appointment In Behavioral Medicine. Is Illegal and Unethical. Shame on Kaiser!!!
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.