Kaiser Permanente’s plans in California are by far the most affordable plan in nearly every city and demographic that we studied during our California health insurance analysis. Yes, they are an HMO, but their benefits to dollar in premium ratio is by far the most outstanding in the state. If you are willing to take an HMO, Kaiser is the best choice in the state, and even if you aren’t willing to take an HMO, Kaiser Permanente should be heavily weighed.
The Copay Plans
The Copayment 25, 40, and 50 plans offers Kaiser Permanente’s broadest coverage in California including predictable out-of-pocket costs, and prescription drug coverage for a higher monthly rate. Most services have a 25, 40, or 50 dollar copayment (depending on the plan choice), and there is no deductible. Preventive care is no charge from the first day of coverage.
The Deductible Plans
The Deductible 20/500, 25/1000, 30/1500, 40/2000, 40/3000, or 50/5000 plans have a $500, $1,000, $1,500, $2,000, $3,000, or $5,000 deductible and offers lower monthly rates. Some services, such as office visits, are a $20, 25, 30, 40, or 50 copay depending again on the plan selected. Most services are subject to the deductible. Preventive care is no charge from the first day of coverage.
The Health Savings Account Plans
The HSA-qualified deductible 0/1500, 0/2700, 30/2700, 40/4000, or 0/5000 plan has a $1,500, $2,700, $4,000, or $5,000 deductible and offers no charge for office visits after satisfying the deductible. Most services are subject to the deductible. It can also be paired with an optional tax-advantaged health savings account. Preventive care is no charge from the first day of coverage.
Kaiser Permanente Nationwide
Kaiser Permanente is unique for its integrated model of health care delivery. They are both an integrated health delivery system and a health insurance company, which means that they can provide and coordinate the entire scope of care for their members, including:
- preventive care
- well-baby and prenatal care
- emergency care
- screening diagnostics
- hospital and medical services
- pharmacy services