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Kaiser Permanente Health Insurance Review
45 Customer Comments & Reviews - see all comments
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Kaiser Permanente provides care innovations, health education, and clinical research that support health communities across the globe. The company offers affordable health care services which are supported by advance technological tools for disease prevention and management.
What’s Included with Kaiser Permanente?
- Preventive care services
- Emergency and urgent care
- Prescription drugs
- Inpatient hospital care
- Outpatient services
Types of Health Insurance Plans
|
Businesses and Organizations |
Yes |
|
Individuals and Families |
Yes |
|
Short-Term Health Insurance |
Yes |
Plans Reviewed
Bronze Plan
- Out-of-pocket limit: $6,350 per individual for preferred network of providers
- No overall annual limit on specific covered services
- Overall deductibles: $5,000 per person that do not apply to preventive care services
- Other covered service: Routine hearing tests, Bariatric surgery, Acupuncture, Routine foot care
Silver Plan
- No annual maximum limit for selected covered services
- Out-of-pocket limit: $6,350 per individual for in-network providers
- Overall deductibles: $2,500 per person which do not apply to preventive care services and prescription drugs
- Other deductibles: $250 per individual for prescription drugs
- Other covered services: Hearing aids, Routine hearing tests, private-duty nursing
Gold Plan
- Overall deductible: $1,000 per individual which do not apply to preventive care services
- Out-of-pocket limit: $6,350 per individual for preferred network of providers
- No annual maximum limit on some services covered
- Other covered services: Routine foot care, Routine hearing tests, Routine eye exam for adults, Chiropractic care
Platinum Plan
- Out-of-pocket limit: $4,000 per individual for in-network providers
- Overall deductibles: None
- No overall annual limit for specific covered services
- Other covered services: Routine hearing tests, Routine foot care, Acupuncture, Bariatric surgery
How Much Does It Save You?
|
Services Offered |
KP Bronze 60 HSA HMO (Your Cost) |
KP Silver 70 HMO 1500/40 (Your Cost) |
KP Gold 80 HMO Co-insurance (Your Cost) |
KP Platinum 90 HMO (Your Cost) |
|
Preventive Care |
None |
None |
None |
None |
|
Primary Care |
40% after deductible |
$40 |
$35 |
$20 |
|
Inpatient Hospital Care |
40% after deductible |
30% after deductible |
20% |
$290 a day up to 5 days |
|
Outpatient Surgery |
40% after deductible |
30% after deductible |
20% |
$290 |
|
Prenatal and Postnatal |
None |
None |
None |
None |
|
Delivery and Inpatient Well-Baby Care (Maternity) |
40% after deductible |
30% after deductible |
20% |
$290 a day up to 5 days |
|
Lab Tests |
40% after deductible |
$35 after deductible |
$35 |
$20 |
|
X-rays |
40% after deductible |
40% after deductible |
$50 |
$40 |
|
Urgent Care |
40% after deductible |
$40 |
$35 |
$20 |
|
Ambulance Services |
40% after deductible |
$250 after deductible |
$250 |
$150 |
|
Generic Drugs |
40% after deductible |
$20 |
$15 |
$5 |
|
Specialty Drugs |
40% after deductible |
30% after $250 brand deductible |
20% up to $250 per prescription |
10% up to $250 per prescription |
|
Emergency Department Visit |
40% after deductible |
$250 after deductible |
$250 |
$150 |
|
Mental Health Visit |
40% after deductible |
$40 |
$35 |
$20 |
|
MRI, CT, PET |
40% after deductible |
$250 after deductible |
20% |
$150 |
Annual Maximum Limit
|
Bronze |
None |
|
Silver |
None |
|
Gold |
None |
|
Platinum |
None |
*Only on specific covered services
Summary
Kaiser Permanente is a good place to start when searching for health insurance services. A large network of doctors and medical professionals to choose from lets you take advantage of its in-network discounts.
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45 Customer Comments & Reviews
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Kaiser PCP are terrible going on 5th pcp they refuse to diagnose/recognize long post covid related conditions. Nurses give med related misinformation, patient must be proactive inquiry into treatment or if med question isnt precise PCP wont respond or assist.
The worst insurance I have ever dealt with. It is a conflict of interest to have them running their own medical centers and pharmacies. There is no incentive for the pharmacy to be friendly or work with the patient - you can't go anywhere else. The transition team got most of the dosages wrong (entering higher doseages than I was currently taking). I can't see my new prescriptions online. When I called and got upset because it's always a battle to get it filled, the pharmacy hung up on me and wouldn't answer my call until the 4th try. I couldn't fill the prescription without calling so I had to keep trying. Also, I am paying more for my prescriptions than I am saving by going with... Read More
Do not select Kaiser Permanente if you need a Specialist or procedure. I have been trying to get an appointment
for an colonoscopy and endoscopy ordered by my doctor to no avail. They do not have any appts through November. This is unacceptable . If they do not have enough Dr's they should refer outside plan.
This is the absolute health organization in the history of modern medicine. Try reaching your physician or specialist directly. good luck every call goes directly to the main directory where you will sit on hold for an average of 45 minutes. The pharmacy is a total shit show, they literally can't do simple math, which is what the entire job entails counting pills. I can't tell you how many times I was admitted to the emergency room because some bimbo from the pharmacy could not distinguish 28 days in February and 30 days in March and come to the conclusion that a 28 day refill wouldn't make it till the end of the following month. Fucking idiots. The worst medical professionals in all... Read More
On paper Kaiser may look good, but dealing with them is another story. Many of their doctors have poor medical skills or knowledge, hard to tell sometimes. And nearly all go by "guidelines" which work for some people, but far from all. But you have to do arm twisting to get them to treat you as an individual. Appointments for a basic primary car Dr are running 3-4 weeks out. That's assuming you don't have a cough or cold or anything that might be a possible symptom of Covid, in which case you can't make an appt. So, send a PM to your doc since you can't see them? Maybe, probably not. They now have medical assistants answering them who in reality have less medical knowledge than a... Read More
In march 2023 I had a thumb surgery in my right hand because of arthritis and in April I still had severe pain and after I did a stat c ray when I saw the doctor he told me that I have done something like lifting something like a plate and had damaged the grafted tendons and internal brace has been torn I accepted the doctors explanation and he told me you need another surgery to fix this and I agreed In these conditions most women say it’s the doctors fault and they go on f….cing google to put a review against the doctor and this is sort of a hobby for women I accepted the doctors words and told him if you say I have to cut off my arm to fix the problem I will do it but I will not on... Read More
Kaiser Medicare health plan is a natural transition for the over 65 members. However it is NOT accepted overseas even in emergencies! My Chinese wife visited her family in China and made sure all of her local cancer tests and visits were completed a few says before departing. She had a follow-up with cancer specialists in China and found cancer had spread to her spinal column but undetected here in Oregon. The advanced medical treatment was available and subsequently treated successfully in Shanghai and she will be returning soon.
China is MORE advanced than Kaiser USA apparently and Kaser claims a FIVE star rating when it was only a one star in this case!
You pay everything up front and Kaiser keeps charging you. You call to ask why and they don’t help. They add exams that didn’t happen and charge you for that. I called to get help and they hung up the phone instead of assisting. They will rob your money on every corner so good luck to any future customer.
My husband and I chose to switch our healthcare to KP this past year due to the rating of the company however, our experience has not been as successful as those ratings indicated. We are in Oregon and it is difficult to get seen by a specialist locally without significant delays and many phone calls. We will be reverting back to United Healthcare once this year is complete. The entire healthcare industry is in a sad state these days but KP's decline has been dramatic.
General care (if your healthy) is better than average - Mental Health Care and Therapy support is severely lacking. Pros : Generally our family is young and relatively physically healthy. The preventative maintenance and systems to notify us to make appointments, schedule immunizations, and well care visits have been very easy. We have had a couple ER visits and eye surgery in which we were treated well, promptly attended to, and felt like partners in our healthcare management. Cons: Their in-house Mental Health Services lacks continuity and stability of care. For starters, the department is often in "triage" mode. A person has to be an. imminent danger to themselves/others to... Read More
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