Kaiser Permanente was officially founded in 1945, with its beginnings as a source of health care for laborers constructing major sites throughout the country. The company blossomed from an outlet for affordable medical services during the Great Depression and World War II, into the innovator of prepaid health plans, physician group practices, making preventive care a focal point, and the first to create an organized care delivery system. As the health plan that began many cornerstones of modern health insurance and medical care, Kaiser Permanente remains a respected health insurer for over 9 million members.
In the Mid-Atlantic, there are currently over 488,000 members in Virginia, Maryland, and the District of Columbia. Available in suburban Maryland and the city of Baltimore, Kaiser Permanente offers individual HMO plans with high deductibles, copayments, and Health Savings Accounts. With Kaiser Permanente’s outstanding quality of care, Maryland residents can choose a plan to fit their budget and health care needs. The HMO network allows for more coverage than any other Maryland plan, including vision and maternity benefits.
Kaiser Permanente Plans in Maryland
The most simple and convenient of all plans, copayment plans provide all of your medical care on a first-dollar basis. With these plans, there is no deductible reach in order to receive certain types of care for a lower cost, as copays are set for all covered services. Easily the most comprehensive plans from Kaiser, both copayment options in Maryland cover prescriptions, maternity care, inpatient/outpatient physician and hospital services, and emergency room visits.
Providing a low monthly fee in exchange for a larger amount of cost-sharing, deductible plans offer services for full cost paid out-of-pocket until you reach your deductible. When your deductible has been satisfied, you are able to receive in-network services for a copay or your designated level of coinsurance. Several essential services are available with certain plans for a copay prior to meeting your deductible, including primary care and specialist visits, prescriptions, emergency room visits, and urgent care.
HSA-Qualified Deductible Plans
HSA plans from Kaiser Permanente offer services for a copay or coinsurance after reaching your deductible, with the benefit of tax advantages such as: tax-deductible account contributions, tax-free investment earnings, and no tax when using funds for medical services. An HSA can be used to pay for deductibles, copayments, coinsurance, and medical expenses including eyeglasses, hearing aids, chiropractic, acupuncture, and dental care. For those who enjoy financial responsibility and tax breaks, an HSA plan is a perfect fit.
View the unique Kaiser Permanente HMO plans in your area and find out how much it will cost you and your family by getting a quote. Call us with any questions or to receive a personal health insurance quote from an agent at 888 803 5917.