There are two kinds of health insurance plans, health maintenance organizations (HMO) and preferred provider organization (PPO). With an HMO plan, your primary care provider (PCP) coordinates your medical services. Often, your PCP will need to make a referral for you to see a specialist or for you to have any kinds of medical testing. If you choose to see a provider outside the HMO network, you will be responsible for the entire cost of the medical care. Usually, an HMO doesn’t have a deductible and premiums are lower.
Kaiser offers a variety of HMO plans that are available through the healthcare exchanges in several states, including California, Colorado, Georgia, Hawaii, Oregon, Washington, Maryland, Virginia, and Washington, D.C. When choosing a plan for your medical care, you must take your current health into consideration. Consider the number of doctor visits and procedures you will need, so you will get a plan that will cover more of your costs and meet your healthcare needs. An experienced insurance agent can help you choose the best plan for your medical needs as well as for your budget.
Open enrollment is November 1st through December 15th for 2019 coverage. Kaiser Permanente currently has 17 different medical care plans available for consumers in different service regions. These plans offer everything from minimal coverage, which can be adequate for those who are healthy and have savings, to much more detailed plans with lower deductibles and higher premiums, which are perfect for those who have chronic health problems. Here are just a few examples of the medical care plans available from Kaiser:
Deductible Bronze – Bronze 60 HMO – This is through Covered CA and has an individual medical deductible of $6,300 and a $500 pharmacy deductible.
Deductible Silver – Silver 70 HMO – Also available through Covered CA this plan’s medical deductible is $2,500 and the individual pharmacy brand deductible is $250.
HAS Silver – Silver 70 HDHP HMO 2700/15% – This plan offers broad health care coverage, prescription drug coverage, and predictable out-of-pocket costs for those insured.
Copayment Gold – Gold 80 HMO Coinsurance and Gold 80 HMO – You can purchase these plans through Covered CA. It offers predictable out-of-pocket costs for most medical services, prescription drug coverage, and offers broad overall medical coverage.
Copayment Platinum – Platinum 90 HMO – This HMO plan offers the insurance company’s highest level of coverage, prescription drug coverage, and predictable costs out-of-pocket.
Deductible Catastrophic – Minimum Coverage HMO++ – This plan provides minimal coverage, with a $7,150 combined pharmacy and medical deductible for individuals.
To learn more about Kaiser Permanente medical insurance plans, contact the professionals at HealthCareInsurance.company at (855) 401-8383. Our licensed insurance experts will be happy to answer any questions you have.