Kaiser Permanente is a managed care organization, not merely a health insurance provider, where customers can buy a health insurance plan and receive medical treatment at one of the Kaiser Foundation Hospitals or other healthcare facilities. Henry J. Kaiser and Sidney Garfield formed the business, which has its headquarters in Oakland, California. 1 Colorado, Georgia, Hawaii, Virginia, Maryland, California, Oregon, Washington, and the District of Columbia are the eight states plus DC where Kaiser provides medical care and health insurance. It is one of the largest managed care organizations in the United States. As of 2019, Kaiser had 12.2 million members and generated approximately $84.5 billion in revenue annually. 39 hospitals and 712 medical offices employ around 217,000 people. In the Kaiser managed care network, there are more than 23,000 doctors.
Main points
- Kaiser Permanente is a managed care organization in addition to being a health insurance provider.
- Kaiser Permanente has received strong ratings from a number of financial strength rating agencies, including S&P and Fitch's.
- The health plans offered by Kaiser include advantage plans, HSA plans, classic plans, and essential plans.
Customer satisfaction and financial stability
The Kaiser Permanente Health Insurance Company has an "A+" rating from Fitch Ratings. Kaiser also has an "A+" rating from Standard & Poor's. Kaiser performs admirably in terms of customer service as well. Insure.com gives the organization an 83.64 percent customer satisfaction rating.Customer service and value for money were both given four out of five stars, while the company's claims processing scored a 4.5 out of five rating. For six years running, Kaiser received the highest customer satisfaction rating for health insurance from J.D. Power and Associates. The Better Business Bureau has not accredited Kaiser Permanente's corporate office, but it does have an "A+" rating with a 3.68-star rating (out of 5) based on four customer reviews and 52 customer complaints. Out of the 52 closed complaints, 22 involved product or service difficulties, 20 involved billing or collection issues, and 10 involved advertising or sales.Options for Health Insurance
You can purchase a health insurance plan from Kaiser that allows you to access Kaiser's network of medical professionals. Classic plans, essential plans, HSA plans, and advantage plans are some of the health insurance options.Standard Plan
You must pay a co-pay for doctor visits under Kaiser's traditional health insurance plan. This covers unlimited doctor visits, access to the emergency department, after-hours visits, and generic medications; all are only subject to a co-pay. The annual deductibles for the traditional plans are $1,500, $2,500, $3,500, and $5,000. States may have different deductible limits.Important Plan
Co-pay options are available for approved outpatient services under the essential health insurance plan. There is no co-pay once your annual deductible has been met. The co-pay includes office visits, outpatient services, and generic prescription medications. The Essential Plan offers the following deductibles: $1,500, $3,000, $5,000, and $7,500. Like with traditional plans, deductible levels may differ from state to state.Benefit Plan
For a copay before you've reached the deductible for the year, Kaiser's advantage plan covers primary care visits, the first two specialist visits, emergency department services, after-hours visits, and generic prescription medicines. After you reach the yearly deductible, there are no fees for covered services. The state-specific deductible amounts are $2,500, $3,500, $5,000, and $7,500.Savings for Health
A Health Savings Plan (HSA) option can be added to any Kaiser health insurance plan. This is a savings account where you can put money aside for medical expenses or other deductible costs. The money is tax-free if you use it for medical expenses. The deductibles for the HSA-qualified plans are $5,000 for individuals and $10,000 for families.Medical Resources
Customers can access tools to manage their healthcare on the Kaiser Permanente website. You can search for doctors and locations to locate a doctor in your neighborhood who is the best fit for you. Listings of doctors' education, credentials, and specialties are also available. You can check on vaccinations or fill a prescription before going by calling the 24/7 Away From Home Travel Line at 951.268.3900 or using the care while traveling website. Additionally, you can access online resources for wellness that include links to courses and programs; a medication encyclopedia; healthy living advice; and health guides. Pros- Online applications and quotes for health insurance policies are available.
- high customer satisfaction ratings for resolving claims and customer service.
- The pharmacy, lab, and doctor's office are all housed together.
- Unless there is an emergency and you are not close to a Kaiser facility, policy holders are only allowed to choose Kaiser physicians and treatment facilities.
- Only eight states and the District of Columbia offer coverage.
- Contact details for the business
- Visit the Kaiser Permanente Health Insurance Company website or dial 800-245-3181 for more information on Kaiser Permanente health insurance plans or to request a quote online.
