Kaiser Permanente Individual Health Insurance Quotes And Plans

Kaiser Permanente health insurance rates are provided free on our website. You can safely and quickly view quotes for single, family and self-employed plans, and purchase your policy online without paying broker or administrative fees. If your job does not provide medical benefits, you’re a student, or only need coverage for  a short period of time, there are many affordable plans to choose from. You can choose one physician for all family members, or a separate doctor or specialist for each family member.

If you have reached age 65, you may be eligible for a quality Medigap plan, or other Senior options. Advantage individual and Advantage Medicare Medicaid options are available in many states. A fixed annual limit on out-of-pocket expenses helps you determine the most cost-effective option. Once you become eligible for Medicare, enrolling in a plan is quick and easy. The Five-Star Quality Rating program also helps you evaluate different plans.


About Kaiser

Kaiser Permanente was founded in 1945 and has become the biggest non-profit healthcare provider in the US, covering more than 11 million people. By combining two  organizations (Kaiser Foundation Health And Hospitals, and Permanente Medical Groups), they integrate their own treatment within a network of loyal doctors, hospitals and many other facilities. Treatment comes first and each nurse, surgeon or any related provider seems to treat their patient as if it is their only one. Also, electronic health record systems provide cutting edge technology that helps with privacy concerns and quickly transferring information in an emergency setting.

Although headquartered in California (Oakland), offices are located throughout the country, with the biggest concentration of insured members in California, Colorado, Georgia, Hawaii, Oregon, Washington, Virginia, Maryland, and Washington D.C. Total operating revenue is more than $70 billion with more than $3 billion of net income. Group Health Cooperative was purchased two years ago, which added more than 6,000 new employees and 651,000 new covered members. 2019 policy members exceeds 11 million, and more than 200,000 employees.

Most importantly, they are one of the most innovative carriers in the industry.  Several of these innovations include extensive use of telemedicine, the Hereditary Cancer Risk Center, Clinic On Wheels, diabetes identification tools, hunger free programs, “Find Your Words” public health awareness campaign, and environmental projects.

The available US plans include Kaiser Foundation Health Plan in Southern and Northern California, and Hawaii, Kaiser Foundation Health Plan of Colorado, Kaiser Foundation Health Plan of Georgia, Kaiser Foundation Health Plan of Mid-Atlantic States in Maryland, Virginia, and Washington D.C., Kaiser Foundation Health Plan of the Northwest, and Kaiser Foundation Health Plan of Washington. Their biggest market shares are in Georgia and Virginia.


What Type Of Policies Can Be Purchased?

Each plan is an HMO (Health Maintenance Organization) designed to provide maximum benefits with the lowest possible out of pocket risk to the consumers. The local networks will give you a wide range of options regarding the type of treatment you receive and where you go to receive it.

Get Kaiser Quotes Online

Kaiser HMO Plans Cover Preventive Visits

Coverages are fairly typical of HMO plans. Small co-payments  (usually $25 and $35) apply to office visits with physicians and specialists,  and both generic and brand-name drugs are included in benefits. As expected, a higher out-of-pocket cost will be associated with non-generic prescriptions, and coverage is delivered on a prepaid basis. Often, ER and Urgent Care visits are subject to only a copay.

Preventive benefits for children and adults do not have to meet a deductible, copay or any other out-of-pocket requirement. In addition to routine annual physicals, immunizations, OBGYN visits, mammograms, scheduled colonoscopies, and many diagnostic testing and x-rays are covered without any required payment. Many additional Senior and pediatric benefits have been added in the last three years.

A primary-care-physician (PCP) is required to help coordinate your treatment. They will also refer the patient to the most appropriate specialist or facility if special care is needed. Since Kaiser has many different locations throughout the country, you may able to receive out-of-state treatment if medically necessary. If an emergency arises, and you are unexpectedly admitted to an ER or hospital, generally, it is considered a “network” visit, even if outside of the treatment area.


Affordable Kaiser Plans For Persons Under Age-65 (Plan availability varies by state, and federal subsidies may reduce premium)

KP Bronze $60 -Fit – $60 and $120 office visit copays. Generic drug copays are $30 and $60 (mail order). $6,500 policy deductible and 40% coinsurance.

KP Bronze $40 -Fit – $40 and $60 office visit copays. Generic drug copays are $15 and $30 (mail order). $4,000 policy deductible and 30% coinsurance.

KP Bronze II 30% -Fit – $5,500 policy deductible and 30% coinsurance.

Flex Bronze – $40 copay for first three pcp visits. Preferred generic drugs subject to $25 copay ($20 mail order). $5,500 policy deductible and 20% coinsurance.

Core Basics Plus – $0 copay for first three pcp visits.  $7,900 policy deductible and 0% coinsurance. Applicants must be under age 30 or qualify for a hardship exemption.

Core Bronze HSA – HSA-eligible option with $4,750 deductible and 20% coinsurance.

Core Silver HSA – HSA-eligible option with $3,000 deductible and 10% coinsurance.

KP GA Bronze 6200/40%/HSA – HSA-eligible option with $6,200 deductible and 40% coinsurance.

KP GA Bronze 5000/50 – $50 copay for first two pcp visits and $70 copay for the first two specialist visits. Generic and preferred brand drug copays are $5 and $35. $5,000 policy deductible and 35% coinsurance.

Flex Silver – $20 and $45 office visit copays. Preferred generic drugs subject to $10 copay ($5 mail order). $2,000 policy deductible and 30% coinsurance.

KP GA Silver 4700/35 – $35 and $65 office visit copays with $100 Urgent Care copay. Generic and preferred brand drug copays are $5 and $15. $4,700 policy deductible and 35% coinsurance.

KP GA Signature Silver 3200/20%/HSA – HSA-eligible option with $3,200 deductible and 20% coinsurance.

KP GA Signature Silver 3000/30 – $30 and $60 office visit copays with $100 Urgent Care copay. Generic and preferred brand drug copays are $15 and $45. $3,000 policy deductible and 35% coinsurance.


What Are Some Advantages To Having An HMO?

One of the most common advantages is cost. Typically, premiums are lower since the network of providers can offer very steep discounts, which then reduces rates. Also, treatment is often more personalized, since you coordinate your healthcare with a  Primary Care Physician (PCP).  Regarding price and cost, these types of policies also tend to increase at a slower pace than other more traditional options. The size of available networks has been increasing since they first became available.

NOTE: Maternity benefits were always traditionally more available and less expensive with an HMO. However, beginning five years ago, Exchange PPO, HMO and other comprehensive plans were also required to include maternity benefits. This addition was part of the ACA or PPACA  (Patent Protection And Affordable Care Act) legislation that was passed in 2010. However, out-of-pocket costs, and copays will vary depending on the individual or group contract.

An HMO plan provides helps the members of the plan and the sponsors of the plan (Kaiser).  Along with less expensive rates, guaranteed availability of quality healthcare services is provided.  Member costs are reduced by negotiating with physicians and other medical facilities. The network providers also enjoy a consistent flow of patients, while plan members typically have little or no paperwork to file. Claims are processed easily and efficiently.


Are Both Individual And Business Plans Available?

Yes, they are.  Individual and family coverage can be purchased. But also, if you own a business, whether you have a few employees or a few hundred, you can apply for a policy for yourself and your workers. There are many participating labs and pharmacies that make it easier for any person that has a pre-existing conditions or needs future treatment. If you prefer, most of the paperwork can be handled online, so you have more time to manage your business or your household.

However, rates and benefits changed five years ago when the State Marketplaces went into effect. You can find more information about the Health Insurance Exchange and some of the most significant changes.  Your premiums are now also impacted by federal tax subsidies and new mandates that require essential benefit packages to be included on all new policies. Although most of these benefits were already included, there are a few that were not previously covered.


What Previously Happened In Ohio?

Previously, Kaiser sold their Northeastern Ohio block of business to Catholic Health Partners (CHP), one of the biggest healthcare systems in the US. More than 30,000 employees worked for CHP  in Ohio and Kentucky, and they were well-positioned to move into the northern part of the state.

Five years ago, CHP officially changed its name to Mercy Health, which owns and operates five major hospitals in the state, and is the fourth-largest employer in the Buckeye state. Recently, Mercy (Cincinnati)  was named  one of the Top 15 health systems by Truven Health Analytics. Truven researched patient satisfaction, cost, and operational efficiency data from  more than 2,800 hospitals.


Can I Buy A Medicare Health (Medigap) Plan?

Medigap Kaiser Plans That Are Affordable

Kaiser Has Medicare Plans

Yes. For more than 40 years, they have offered or participated in Medicare plans. In most states, Kaiser has the highest-rated policy available to consumers. Policies are rated by the Center For Medicare And Medicare Services from 1 star to 5 stars. Previously, only 11 plans (nationally) that offer drug coverage were given the highest 5-star ranking. Six of those were Kaiser’s.

These ratings are updated every year and are based on a wide range of criteria. Among the most stringent factors used are complaint and appeal information, Monitoring data from Medicare itself, requested data from CAHPS (Consumer Assessment of Healthcare Providers and Systems), and separate satisfaction surveys.

The states with the six recognized contracts are Georgia, Maryland, Virginia, District Of Columbia, Oregon, California,  Washington, Ohio, Hawaii, and Colorado. There are numerous studies that show that consumers embrace these Senior plans and are very satisfied with the benefits they provide. NOTE: HMO plans are offered in California, Georgia, Washington, Oregon, Hawaii and Colorado. However, in the District of Columbia, Maryland, and Virginia, the policy is a “Cost”  plan with a Medicare contract.

Available Medicare Advantage plans include Senior Advantage LA –  Orange County, Senior Advantage Basic Sacramento-Sonoma, Senior Advantage Inland Empire, Senior Advantage Basic Kern, Senior Advantage Enhanced Kern, Senior Advantage Core, Senior Advantage Silver, Senior Advantage Gold, Advantage Standard MD, Advantage w/o Part D, and Advantage High MD.

NOTE: To qualify for this type of Senior coverage, you must be 65 or older, unless you are disabled and are able to meet specific exceptions. You must have Parts A and B to enroll in Part D (prescription drugs).


Kaiser Permanente Senior Medicare Advantage Plan Monthly Rates

Georgia  – $0 – Senior Advantage Basic and $71 – Senior Advantage Enhanced

Hawaii  – $78 – Senior Advantage Basic and $176 – Senior Advantage Enhanced

Maryland (Most Counties)  – $28 –  Standard MD and $142 – High MD

Oregon  – $44 – Senior Advantage Basic and $127 – Senior Advantage

Virginia  – $36 – Medicare Plus Standard Option and $142 – Medicare Plus High Option

Northern Colorado  – $0 –  Senior Advantage Core and $40 – Senior Advantage Silver

Southern Colorado  – $0 –  Senior Advantage Core and $59 – Senior Advantage Silver


Kaiser Health Insurance quotes for single persons and families


My Health Manager

My Health Manager” is a tool provided to all current members. It’s a centralized resource that contains information on status of pending treatment, medical records, upcoming appointments, and a total health assessment. You can also pay medical bills online and view specific breakdowns of cost. Shopping for new plans and obtaining quotes is also offered, although utilizing an independent broker provides quotes from all carriers.

The “appoint center” function allows you to quickly schedule appoints online with your PCP or a specialist. You can also view future or past appointments, and make any needed changes. A pharmacy center is included  that allows customers to manage their prescription drugs and  obtain updated information about their current medications.

The Kaiser mobile app provides additional information and data. Customers can view lab results, email their physician and specialist’s offices with non-emergency questions, refill minor prescriptions, view billing statements and submit payments, and schedule appointments. The app is available at no cost through the Apple store. An online account must be created.


Kaiser Business And Employee Insurance

Small business, large business, multi-state, and national business, labor and trust funds, and Group Medicare plans are available.

Small business plan options include traditional HMO plans, deductible HMO plans, HSA-qualified deductible HMO plans, deductible HMO with HRA plans, PPO plans, and POS plans. In Colorado and California, a small business consists of 2-100 employees. In Georgia, Hawaii, Maryland, Oregon, Washington, Virginia, and the District of Columbia, a small business consists of 2-50 employees. Popular  options are shown below:

KP Gold 80 HMO 0/30 – $0 deductible with $30 and $55 office visit copays. Generic maintenance and generic other brand prescription drug copays are $15 and $55.

KP Gold $20 – $0 deductible with $20 office visit copays. Generic maintenance and generic other brand prescription drug copays are $3 and $25.

KP  Platinum $15– $0 deductible with $15 and $20 office visit copays. Generic maintenance and generic other brand prescription drug copays are $3 and $10.

KP Silver 2000/35/50/S6 – $1,750 deductible with $50 and $70 office visit copays. Generic maintenance and generic other brand prescription drug copays are $5 and $20.

KP Silver PPO 2000/35/50/S6 – $2,000 deductible with $50 and $75 office visit copays. Generic maintenance and generic other brand prescription drug copays are $5 and $20.

KP Bronze 5250/20/40/S6 – $5,250 deductible with $40 and $60 office visit copays. Generic maintenance and generic other brand prescription drug copays are $5 and $20.

KP Bronze 6000/20/50/S6 – $6,000 deductible with $50 and $70 office visit copays. Generic maintenance and generic other brand prescription drug copays are $5 and $20.

KP Bronze 60 PPO 6300/75 – $6,300 deductible with $75 and $105 office visit copays. Generic maintenance and generic other brand prescription drug copays are $15 and $30.


Health And Wellness

Health and wellness programs have been established for clients, patients, insured persons, and employees of Kaiser. Emotional, mental, and illness assistance is provided at multiple levels. “Living Healthy”  techniques and guidance  are offered through comprehensive guides. Topics include alcohol, child and teen health, mental wellness, fitness, life planning, men’s and women’s health, nutrition, pregnancy, smoking cessation, senior issues, and weight management.

Classes and programs are offered, including online programs and discounted rates at Kaiser medical centers. Included benefits are support groups, wellness coaching, total health assessments, Managing ongoing conditions (diabetes, insomnia, depression, and chronic pain),  and community support, including financial assistance.


Charitable Health Coverage Program

Through this program, medical coverage is offered to low-income household that are not able to acquire private or government-provided benefits. Policy premiums, copays, deductibles, and other out-of-pocket expenses are paid by subsidies. Federal Poverty Guidelines determine eligibility of applicants. Eligibility requirements and enrollment dates are subject to change. Current programs are listed below:

Northern California – Community Health Care Program

Southern California – Child Health Program

Colorado – Colorado Bridge Program

Georgia – Bridge Program

Maryland And Virginia – Community Health Access Program

Oregon – Child Health Program Plus


Group Medicare Coverage For Retired Employees

Managing Medicare costs and providing quality benefits are possible through Kaiser. Levels of benefits and amounts of contributions can be customized. Although electronic monthly payments are popular, a direct billing option is also offered. HRA (Health Reimbursement Arrangement) offer tax-free funds to pay for qualified expenses and policy premiums. More than 1 million Seniors are covered by a Kaiser Medicare plan.


What’s The Latest News?

The medical school will provide free tuition to the first five classes. The school is located in Pasadena and the initial class will begin in the summer of 2020. The large network of facilities and hospitals will be utilized.

Recently, Kaiser was named one of the Top 50 companies for diversity. They earned a Number 3 ranking on the  DiversityInc survey. About 900 companies were considered as diversity management continues to grow in importance within the healthcare industry.

Specifically, Kaiser earned Top-10 rankings for the hiring and treatment of Latinos, Asian Americans, people with disabilities, Blacks and executive women. And, although unrelated, KP was named as the top HMO in Southern California. Note: The Kaiser Health News website provides news, updates, and commentary for consumers and businesses.


Past Updates

About 900 new jobs will be created in Atlanta when Kaiser’s new technology center is ready later this year. Georgia state tax credits and grants may pay a substantial portion of the initial expenses. The area is already the home to several medical schools and the Centers for Disease Control And Prevention.

Most of the new  hi-tech jobs will be related to cyber security, patient medical records data,  development of software, back-office infrastructure, and smartphone identification systems. After the expansion is completed, more than 4,000 workers will be employed in the immediate area.