What kind of insurance is kaiser

Our rates cannot be beat. We have made the process as easy as possible. Get accurate quotes in seconds without having to give your email or phone number. Use online tools to help you quickly find the plan that best suits your needs. And, enroll in minutes on your computer or mobile device using our quick and easy online process.

Enrollment is open! Apply now for December 1st. For many consumers, they are anything but indifferent about Kaiser Permanente. Some insurance companies require prior authorization from your doctor before they'll help you pay for a medicine. For instance, this may be the case if you'd prefer to take a brand-name medicine over a generic one in the same class of drugs.

With some plans, you may have to pay more for medicines that aren't on the plan's list of preferred medicines formulary.

Some insurers cover medicines that are bought only at certain pharmacies. A formulary may put drugs into three groups, or "tiers," based on how much your health plan will pay and how much you will have to pay.

If you have a choice between plans, check what your co-pay for prescription drugs will be, the maximum amount the plan will pay in a year, and other details. You can learn about the Affordable Care Act and how to get health insurance at www. This may help you choose which plan is best for you. Find out more at www. When you are choosing a health insurance plan, think about questions you want to ask.

For example:. After you get a health insurance plan, keep your insurance card with you. Save your insurance company's phone number in your phone's memory so that you have it available. Many plans require you to contact your insurance company before having an elective procedure, such as a surgery or certain medical tests, or for a hospital stay. If you have a medical emergency, get help for the problem first. After the emergency is taken care of, contact your insurance company as soon as you can.

It provides a health insurance marketplace that allows people to compare health plans, look for a plan that fits their needs, and find out if they may qualify for lower costs. It also sets guidelines for insurance companies, including rules about cost increases, coverage for preexisting conditions, and requirements for certain kinds of coverage, such as preventive care. The ACA works in partnership with individual states. Parts of it may vary from state to state.

Be sure to find out the options for health coverage in your state. You can learn more about the Affordable Care Act at www. Federally funded health centers provide medical and dental care for people who don't have health insurance.

Health centers may offer services such as checkups, pregnancy care, immunizations for children, and other medical treatment.

The amount you pay for care depends on your income. Many states offer programs that help people get health insurance. Medicaid provides health coverage for certain families or individuals who are eligible.

The Children's Health Insurance Program CHIP provides low-cost insurance for children whose families don't qualify for Medicaid coverage but cannot afford private insurance. There are also ways to get help with medicine costs. Find out whether the drug company that makes your medicine has a patient-assistance program. Some companies offer free or discounted drugs for people who cannot afford them.

Find more resources and information for the uninsured at:. Author: Healthwise Staff. This information does not replace the advice of a doctor. Healthwise, Incorporated disclaims any warranty or liability for your use of this information. Your use of this information means that you agree to the Terms of Use and Privacy Policy. In an emergency, get the care you need right away. As soon as you safely can, call your insurance company to find out what services will be covered.

Author: Healthwise Staff. Healthwise, Healthwise for every health decision, and the Healthwise logo are trademarks of Healthwise, Incorporated. This information does not replace the advice of a doctor. Healthwise, Incorporated disclaims any warranty or liability for your use of this information.

Your use of this information means that you agree to the Terms of Use and Privacy Policy. The Health Encyclopedia contains general health information. Not all treatments or services described are covered benefits for Kaiser Permanente members or offered as services by Kaiser Permanente.

For a list of covered benefits, please refer to your Evidence of Coverage or Summary Plan Description. For recommended treatments, please consult with your health care provider. We are unable to switch you to this area of care. Learning About Health Insurance. Skip Navigation. What is health insurance? What are the different types? Private insurance Many employers and organizations offer private health insurance.

There are many kinds of managed care plans: Health maintenance organizations HMOs. These plans usually pay only for care within their network. HMOs may cost less than plans that offer a greater choice of providers. Preferred provider organizations PPOs. The K Plan of Mrs.

Eleno Buray Sr. The unexpected Death of my wife brought a total pain in my family. Only a matter of two 2 weeks it was at my hand already. It really helped the whole family and lessens the burden that we have that time. I was diagnosed of having a tumor located outside of my small intestine. Menilyn Marcellana who attended all concerns, queries and even made follow-ups to make sure I was given the best services. The best thing is I have seen that the hospital has the confidence for Kaiser International as the healthcare provider.

I hope to widen our coverage in our next year's healthcare term with Kaiser International. Thank you and more power! Very good kaayo ang Kaiser kay reply dayon, action dayon, follow-up pa gyud kung OK. Wala bay problema. Kaiser was introduced to me by my friend, I was so curious then, that's why I attended the seminar, I was amazed of its benefits and it opened my mind to secure my health. So, without a second thought, I ensured my health to Kaiser the best healthcare provider.

Keep up the good work guys! God Bless I experienced several Healthcare Providers before and none of them is like Kaiser International whom I honestly admired in terms of the services, follow-ups, attentions and concerns given to their clients. Kaiser International keeps on sailing!!! Thanks for the services because they really took care of me because of Kaiser.

I never regret of having you in our company. Thank you so much! Kaiser in terms of paying and processing utilization bills has an excellent credit standing. They pay the hospital on time with good and updated services. They have a bigger coverage and their services are comprehensive and well defined. Kaiser extends their hands in order to build a good quality relationship especially with the hospital employees who handle HMO services.

Good thing about Kaiser is their prompt payments. They have been very cooperative and have good assistance service to clients. Thank you for choosing Manuel J. Santos Hospital as one of your partner in providing healthcare services.