A Guide To Navigating Kaiser Permanente Insurance
What Is Kaiser Permanente?
Kaiser Permanente serves nearly 12 million members through their integrated healthcare model and is one of the largest insurance companies in the country. The organization boasts a vast network of providers, meaning patients can receive the quality treatment in a timely fashion. Their health care plans are based on an integrated prepaid system that focuses on preventative care.
Does Kaiser HMO or PPO Plans?
Kaiser is primarily an HMO provider, which stands for Health Maintenance Organization. As an integrative healthcare provider, Kaiser Permanente focuses on providing HMO plans.
However, Kaiser Permanente also offers a PPO plan, which is also known as Preferred Provider Organization. The Kaiser Permanente PPO plan is an employer group plan and can only be acquired through your employer.
Does Kaiser Take MediCal?
Yes. Kaiser takes MediCal if you meet one of the following two requirements:
- Depending on the county you live in, you have to have been a Kaiser Permanente member within the last six to 12 months.
- You must be an immediate family member living in the same home as a current Kaiser Permanente member. If you are married or a legal dependent of a current Kaiser member (under age 18 and living at home), you must show proof of your tax return.
Does Kaiser Cover Abortions?
Some Kaiser Plans cover abortions, but this condition is dependent on the state in which you live. Presently, ten states forbid abortion unless it is a necessary medical condition. In 2018, Texas will join this list of states by enforcing a law that restricts abortion coverage. California, New York, and Oregon are going to the opposite direction.
There is a chance the state you live in treats abortion as pregnancy-related care. If so, your plan might either cover the entire cost of the termination of pregnancy or a partial amount. Check the cost shared indicated in your plan to learn more about what the insurance covers.
Can I Go To Kaiser Without Insurance?
Yes. If you’re able to pay cash, you may consult a physician at a Kaiser Health Care Center. Kaiser’s mission is to make health care available to everyone. If you live below the poverty line and require medical assistance, Kaiser can help.
The organization provides a Medical Financial Assistance program (MFA), available in the following regions: Northern California, Southern California, Colorado, Georgia, Hawaii, Virginia, Maryland, Washington DC, Oregon, and Washington. To learn more about the Medical Financial Assistance program, visit Kaiser’s website.
Does Kaiser Cover Dental?
Some Kaiser plans include dental benefits. If your plan does not cover dental care, you can buy dental benefits with some Kaiser Permanente Plans. You can choose to receive preventive care or to add an optional plan. HMO and PPO plans are available and can connect to your initial health plan.
What Time Does Kaiser Urgent Care Close?
In case of emergency, it’s best to rush to the nearest Emergency Room. If you need urgent medical care, many Kaiser Health Care Centers offer after-hour care. Most Kaiser Permanente facilities are open 24 hours, seven days a week, or provide an Emergency number. Find the closest Kaiser Permanente location by visiting Kaiser.
How To Get Kaiser Insurance?
You must register during the annual Open Enrollment Period. In some cases, you may apply for coverage outside the official registration period. For example, if you’ve experienced a qualifying event, you can apply for special enrollment. A qualifying event includes having a child, getting married, divorced, or losing your job.
If you live below the poverty line but wish to apply to Kaiser Insurance, you may qualify for federal assistance. The requirements are based on your income and the number of people living in your household.
What States Have Kaiser Permanente?
Kaiser Permanente is present in eight states and the District of Columbia: