Wa State Kaiser Permanente Coverage for: Self Only, Self Plus One or Self and Family Plan Type Hmo
Kaiser Permanente has consistently received tiptop ratings for its individual insurance and Medicare plans, often ranking far alee of any competitors. It has a unique model of having insurance and medical intendance every bit branches of the same visitor. This is not bad for those who want a streamlined experience betwixt wellness insurance and wellness care, but these policies are not a good fit for those who want flexibility when choosing their health care providers.
- Our thoughts
- Where is Kaiser Permanente bachelor?
- Health insurance plan options
- Coverage, fellow member resources and unique features
- Toll of Kaiser insurance
- Customer reviews and complaints
Our thoughts
Kaiser Permanente has frequently been named as one of the best health insurance providers in the country. Rankings on both HealthCare.gov and Medicare.gov give plans four to v stars, which is consistently higher than many other major insurance companies.
The company merely operates in select states, meaning many individuals might not fifty-fifty be able to admission these plans. Still, if you live in an area where Kaiser operates, these policies could requite you slap-up coverage at affordable rates.
The cost of Kaiser insurance is average, and they're non the cheapest insurance plans bachelor. Nevertheless, the quality of intendance yous become with Kaiser'due south integrated organisation sets it apart from the competition.
The insurance coverage directly syncs with Kaiser's hospitals and medical centers. This streamlines your claims and coverage process. It also helps go on Kaiser's costs low and so that it tin offer you affordable policies.
The downside of Kaiser health insurance is that most plans have no out-of-network coverage except for urgent care or emergencies. If you prefer an insurance plan with more than flexibility, then nosotros suggest choosing Anthem or BlueCross BlueShield, which is accepted past 90% of doctors across the country.
Where is Kaiser Permanente available?
Kaiser Permanente offers health insurance plans in 8 states and the Commune of Columbia. This includes areas on the Pacific Declension, in the Mid-Atlantic region and more than. If Kaiser isn't available in your state, consider 1 of our other best-rated health insurance companies.
Find Inexpensive Wellness Insurance Quotes in Your Area
Kaiser Permanente may only operate in a few states. All the same, information technology's still considered a major insurance visitor because of the meaning market share it has in those areas. According to enrollment data, Kaiser is one of the top three largest individual health insurance providers in each location where it operates.
Health insurance programme options
Kaiser Permanente offers health insurance for all categories of consumers. That includes private/family unit, Medicare, Medicaid and grouping wellness insurance.
Nigh Kaiser insurance plans are health maintenance organization (HMO) plans, and this type of health insurance simply covers in-network intendance and generally has cheaper monthly costs. This means your medical benefits are limited to Kaiser'southward 700 medical offices and 39 hospitals. You lot're also required to select a primary care physician who tin can refer yous to specialists as needed.
A key concern for those with ongoing wellness conditions is that this integration between insurance and health care limits your access to specialists who are non affiliated with Kaiser. Proceed in mind that Kaiser may have similar providers who are also well-rated.
The limited network can also be a problem for frequent travelers. When you lot're away from abode, only urgent care and emergency room services are covered at facilities that are not affiliated with Kaiser. The company also has a dedicated travel line to help you navigate circumstances, coverage or preapproval when you lot're traveling to another Kaiser service surface area or exterior of the service area.
Coverage, member resources and unique features
Kaiser Permanente's wellness coverage stands out in two means:
- Its integration of health insurance with health care makes it easier for you to runway costs and manage claims.
- The strong preventive intendance programme includes access to screenings, health resource, lifestyle programs and wellness classes.
Depending on your plan, Kaiser'due south member services may include:
- Women'south wellness services
- Mental health
- Addiction and recovery
- Chiropractic care
- Health coaching
- Prescription delivery
- Dental intendance (add-on)
- Vision care (addition)
The company's powerful suite of digital tools also stands out from the competition. Plans include:
- Telehealth over telephone, video or email
- Online admission to wellness records including test results, doctor's notes and vaccination records
- A cost lookup tool
- The ability to schedule or cancel appointments
- Health insurance management including tracking your deductible
Plus, in that location are fettle resources including discounted gym memberships, wellness calculators and discounted massage therapy.
Cost of Kaiser insurance
The monthly cost of Kaiser insurance ranges from about $300 to more than $1,000 per month based on factors such as your historic period and plan coverage level.
Average monthly cost of Kaiser Permanente insurance
| Metal tier | Age 21 | Age 40 | Age 60 |
|---|---|---|---|
| Statuary | $292 | $373 | $791 |
| Silver | $364 | $464 | $986 |
| Gold | $415 | $529 | $1,123 |
| Platinum | $456 | $583 | $1,237 |
Based on available policies in California.
Keep in heed that these base rates are for individuals paying full price for health insurance. Wellness insurance subsidies through the Affordable Care Act (ACA) tin can help reduce your monthly insurance bills, and you can qualify for these health insurance discounts based on your income and family size.
The cost of Kaiser health insurance is usually near average when compared to all other insurance providers, but it's cheaper than other major insurance companies such equally BlueCross BlueShield.
Find Cheap Health Insurance in Your Area
The cost of Kaiser health insurance also changes past location. On the W Coast, California, Washington and Oregon have similarly priced plans, with Oregon having the cheapest rates of the three.
On the E Coast, in that location is a significant toll difference between the neighboring states of Virginia and Maryland. A xl-year-old could pay 54% more each calendar month to get Kaiser insurance in Virginia than they would in Maryland. Some of this difference is due to overall pricing trends in the ii states.
Where is Kaiser Permanente the cheapest?
| Country | Monthly cost |
|---|---|
| Maryland | $351 |
| Colorado | $397 |
| Oregon | $429 |
| Washington | $443 |
| California | $464 |
| Hawaii | $481 |
| Georgia | $487 |
| Virginia | $539 |
Average cost for a 40-year-old purchasing a Argent plan.
Customer reviews and complaints
Kaiser Permanente receives top-tier scores across several different metrics, showing that it's a company that provides stiff coverage and corking customer service.
Kaiser Permanente rankings
- No. i in customer satisfaction
- iv to 5 stars individual/family unit health insurance
- iv to 5 stars overall performance (except Washington PPO)
- 4.v to 5 stars Medicare Office D coverage
- 4 to 5 stars Medicare Part C coverage
- 23% fewer complaints than average
According to J.D. Power, Kaiser Permanente scored as the No. 1 insurance company for customer satisfaction in each of the areas where it operates. The ratings were far ahead of the next-closest insurance company, clearly showing that it has a leading border at providing neat customer service. In a separate study, J.D. Power also ranked Kaiser every bit having the all-time customer satisfaction for Medicare Reward customers.
On the private and Medicare marketplaces, plans are very highly rated. Individual and family plans receive between 4 and 5 stars overall. In item, Kaiser stands out in its ratings for diabetes care, pregnancy intendance, preventative services and plan administration, which includes client service. Medicare Office D plans have between 4.v and v stars, far higher up the other major insurance providers, and Medicare Role C plans have 4 to 5 stars, on average.
Kaiser health plans received strong overall ratings from the National Commission for Quality Assurance (NCQA). The one exception is the PPO plan in Washington state, chosen Kaiser Options, which received a moderate performance rating of three.five. All others received a loftier performance rating of 4.0 or more, with plans in Maryland, Virginia and the Commune of Columbia receiving the highest possible rating of 5 stars.
Similarly, Kaiser also has a skilful rating from the National Association of Insurance Commissioners (NAIC), with the national company scoring 0.77 on the complaint alphabetize, which is 23% fewer complaints than average. The most common complaint is claim handling delays. While delays are non platonic, it's a much better problem than Anthem's high charge per unit of merits denials.
Ofttimes asked questions
Is Kaiser a expert insurance company?
Kaiser Permanente is one of the best-rated health insurance companies, earning top scores for its client service, preventive care and overall program experience.
Does Kaiser accept HMO plans or PPO plans?
Near Kaiser health insurance plans are HMO plans, meaning you lot'll generally have lower monthly costs, only your health coverage is limited to in-network doctors and facilities. Some PPO plans may exist available, but these are generally not too-rated as Kaiser's HMO plans.
How much is Kaiser insurance per month?
The average monthly toll of insurance from Kaiser Permanente volition heavily depend on your land of residence. For example, Kaiser rates for health insurance range from $351 in Maryland to $464 in California. For those purchasing insurance on the market place, the amount you pay may exist reduced because of health insurance subsidies.
Does Kaiser offer Obamacare insurance plans?
Yeah, you tin purchase Kaiser Permanente insurance from the Obamacare Wellness Insurance Marketplace. Kaiser plans are non available nationwide and are only bachelor to those who live in the states where the visitor operates.
Tin I add dental to my Kaiser health insurance?
Yep, y'all can add dental insurance to your Kaiser medical insurance during open up enrollment. Depending on your location and situation, yous can either sign up directly through Kaiser Permanente or by choosing a dental plan listed on the marketplace.
Methodology and sources
Price comparisons were adult using 2021 public use files from the Centers for Medicare and Medicaid Services (CMS). Calculations were based on provider, location, historic period and programme tier. Ranking information was sourced from split up CMS public use files.
Boosted sources include provider marketing material, HealthCare.gov, Medicare.gov, J.D. Power, the Kaiser Family Foundation, the National Committee for Quality Balls (NCQA) and the National Association of Insurance Commissioners (NAIC).
Source: https://www.valuepenguin.com/kaiser-health-insurance-review
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