Kaiser Permanente Health Insurance Review

#7 in Health Insurance

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.

 

 

Start your review for Kaiser Permanente Health Insurance