Kaiser Health Insurance: A Model of Service and Affordability

Kaiser Permanente offers individual and group health insurance plans to meet the needs of consumers and companies alike. Kaiser health insurance has been cited by MSNBC as a model for health care reform due to its innovative cost-control measures and customer service initiatives, including advanced electronic medical records technology. For health care consumers, Kaiser Permanente offers outstanding benefits at reasonable rates, allowing members to take an active role in controlling costs and providing them with a measure of autonomy in making their own health care decisions.

Kaiser health insurance coverage is available through both HMO and PPO plans, each specifically designed to meet the needs of consumers. The HMO plans offer exceptional benefits for members who obtain health care services in-network. Traditional HMO plans offered by Kaiser Permanente provide comprehensive health care coverage, while the deductible HMO plan offers similar services but incorporates a health savings plan that allows members a higher degree of control over their health care expenses. Members or employers can pay into these savings plans to help defray the cost of medical care while keeping premiums at an affordable level. Additionally, by obtaining needed examinations and procedures within the health care network members can help to keep costs low and ensure that they get the coverage they need at a rate they can afford.

The PPO offered by the Kaiser health insurance plan offers more flexibility to choose doctors in or out of the extensive Kaiser Permanente network; this can provide an additional level of choice for Kaiser members, allowing them to receive benefits while seeking care from the health care provider with whom they feel most comfortable. Kaiser also offers a point of service plan that provides benefits for any provider, any time; while not offering the same level of coverage that the HMO and PPO plans provide, these plans are especially useful to members who travel a great deal in the course of their employment. Indemnity plans are also available for members who are often located outside the service area covered by their employer’s policies. Kaiser Permanente’s range of health care plans offer significant benefits for employers and employees while remaining an affordable choice in today’s health care market.