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Kaiser Permanente Health Insurance

Kaiser Permanente is the largest not-for-profit managed care provider in the country. It offers services in nine states and the District of Columbia. It employs nearly 150,000 people, has 13,000 participating physicians, 37 medical centers, 400 medical offices and has almost 9 million members. As of 2006, it had $31.1 billion in annual operating revenues. Both the Health Plan and Hospitals have state and federal not-for-profit status. The Medical Groups are for-profit partnerships or corporations.

Kaiser Permanente Health Insurance Quotes are available in the following states

Maryland, Virginia, District of Columbia, California

Competing Carriers

Cigna Health CareEmpire Health Insurance

A Guide to Kaiser Permanente Health Plans

Kaiser Permanente HMO Plans are affordable and easy to understand. There is a choice of six simple plans which offer different rates and coverages. If you want low co-pays and low deductibles, but higher monthly premiums, then the Premier Plan and Plan 500 would be ideal choices. If you prefer to have lower monthly premiums and are willing to pay more for care and service, then you should consider Plan 1000, 2000, 3000, or 5000.

Balance HMO Plans offer low premiums and are suitable for those people who have predictable out-of-pocket costs. With this plan, co-pays are only paid for after hours urgent care, emergency room visits, and primary and specialty care services. There are 5 different plans from which to choose. The deductibles offered are $2000, $3000, $5000, $7500, or $10,000. The higher the deductible you choose, the lower your monthly premium.

Kaiser Permanente Health Plans also offer a Custom Care HealthInvestor (HSA) Plan. This Health Savings Account Plan provides lower premiums and gives the consumer control over how and when the health care dollars are spent. This Custom Care HealthInvestor Plan allows people to enjoy low monthly premiums, broad coverage, and the option of establishing a tax-free HSA (Health Savings Account) to pay for qualified medical expenses.

The Balance HealthInvestor (HSA) Plan also generates low monthly premiums and provides the tax advantages and investment opportunity of a regular Health Savings Account. This plan is for individuals who want low deductibles and also want to contribute towards their own health insurance expenses by establishing an HSA and using this tax-free account to pay for qualified medical expenses throughout the year. Any money not used rolls over to the following year. There are two different Balance HSA Plans- one with a low $1200 deductible and 100% coinsurance and one with a $2000 deductible and 80% coinsurance.