Kaiser Permanente is one of the largest healthcare organizations in the country, with 11.7 million health plan members across eight states and the District of Columbia. The organization boasts a vast network of providers, meaning patients can receive quality treatment in a timely manner. Their health care plans are based on an integrated prepaid system that focuses on preventative care.
Kaiser offers HMO and 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.
Kaiser Insurance Plans
Kaiser Permanente health insurance plans are available in the following states:
- Kaiser Permanente California
- Kaiser Permanente Colorado
- Kaiser Permanente Oregon
- Washington, DC
Each state will offer different plans. Kaiser is committed to offering affordable, quality health insurance plans for individuals, families, employers, and individuals who qualify for Medicare and Medicaid/MediCal.
Kaiser offers health insurance plans in its different locations that can help small businesses provide health insurance to their employees, can assist individuals who have lost their health insurance, as well as provide resources for people who qualify for Medicare or Medicaid.
You must register for Kaiser health insurance 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
- getting 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.
Kaiser Dental Insurance
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. Kaiser’s dental coverage allows people to see dentists in their local area, as well as get referrals for specialized care that may be needed.
What Does Kaiser Cover?
Kaiser health insurance plans can cover a variety of preventive and emergency medical situations. Kaiser is committed to offering preventive care in addition to providing health resources for members in different communities across the country.
Kaiser can help cover medical, dental, and vision healthcare, as well as provide assistance to those who need financial assistance in order to afford the care they need. In some areas, Kaiser offers Medicare Advantage plans for seniors.
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 18 and living at home), you must show proof of your tax return.
Does Kaiser Cover Abortions?
Some Kaiser health insurance plans do 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 in 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.
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 services number. You can find the closest Kaiser Permanente location by visiting Kaiser.