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Kaiser is one of the largest health insurance companies in the US.
Kaiser Permanente was founded in 1945. In addition to offering health insurance, Kaiser runs its own network of hospitals and health services providers, creating a unique offering for members of their health insurance plans. While Kaiser operates in eight states, most of its health services locations are in California.
Kaiser Permanente provides a number of unique features for their members:
Kaiser Permanente covers both generic and brand name drugs. Any prescription not available on their formulary is considered “non-formulary” and generally is available at a higher price. You can find Kaiser Permanente’s general HMO formulary here. You can also find the specific formulary for your state by visiting this page and selecting your coverage area in the top left.
You can browse all plans on the Obamacare health insurance marketplace on healthcare.gov, and sort and filter those plans based on your preferences and budget.
Once you’ve selected a health insurance plan, enrolling in that plan is easy. You fill out a short online form, then complete the final step with a quick enrollment phone call with a licensed agent. On that call, the licensed agent will verify your identity, double-check eligibility and answer any questions you may have. For certain insurers, who don’t permit private brokers to enroll customers, you’ll have to enroll directly with the insurer or on your state’s marketplace (these plans will be noted).
After you enroll in a health insurance plan, you will get your membership materials (including your member ID card) and the first premium bill directly from the health insurance company. You are responsible for paying the bill to ensure that your coverage goes into effect, and to keep current on those payments.
If you visit a Kaiser Permanente hospital, a Permanente Medical Group, or visit an affiliated provider, your claim should be automatically submitted by your provider. Kaiser Permanente generally does not cover services not provided by one of their providers or an affiliate provider. Like other HMOs, Kaiser may cover emergency services, such as an ambulance, regardless of the provider you used. You can make a claim directly to your regional Kaiser office – check out this page for the phone number of your appropriate patient account department.
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Because Kaiser, unlike other insurers, operates its own provider network, it is able to directly control quality and costs. That’s why Kaiser plans have some of the highest ratings in terms of quality, customer satisfaction and affordability. If you’re comfortable with an HMO plan (meaning you have to stick to in-network care coordinated by your primary care doctor), a Kaiser plan provides good value.
|Founded||JD Power Rating||# of Policyholders||A.M. Best Rating|
|1945||5 out of 5||10.6 million||A-|
We evaluated this health insurance company using publicly available data on patient care & satisfaction, customer service and costs (premiums) versus similar plans on the market.
|Quality & Satisfaction||Affordability|
|5 out of 5||4 out of 5|
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