- Types of Plans Offered
- Member Resources
- Unique Features
- Customer Service
Types of Plans Offered
The plan selection at Kaiser Permanente is quite admirable. In fact, even shopping for a plan with Kaiser is a lot more positive of an experience than it is with many other companies. Unlike these, Kaiser won't require you to give out personal information like your date of birth or parts of your medical history to get even the most basic information about their health plans. You just say whether you are turning 65 during the year, whether you get insurance through an employer, and whether you are looking for a plan for yourself or for a group. Getting specific prices for a plan will require further information, of course. But providing this will, at least, give you access to brief descriptions of the types of plans available and the overall coverage you can expect.
Kaiser offers Medicaid, Medicare, HSAs, and even short-term insurance for the in-between times. They also have PPOs (and a network of 658,000 PHCS providers). There are student health plans, out-of-area indemnity plans, deductible plans for individuals, and Point of Service plans too. Each type of plan covers a certain percentage of preventative care, specialty care, case management, care management, and pharmacy expenses (made possible by their partnership with MedImpact). Benefits and specific percentages, of course, depend on the individual plan. Dental and vision insurance are also possible through Kaiser. For Medicare recipients, there's a preventative dental plan that comes with a $35 deductible and a 20% coinsurance rate. The Dental Choice plan (a PPO for individuals) is an option for non-Medicare recipients and comes with access to 567,000 dentists around the country. For business owners looking to insure a group of employees, there are a few different plans to choose from as well: a dental PPO, a traditional dental plan, and two types of plans termed PreventaMax plans. For the traditional options, you might expect a coverage rate of 20% for restorative dental work and 50% for major restorative work. Vision insurance is available as deductible plans and covers an eye exam. Any further vision benefits will depend on the health plan you have and what your employer decides to purchase.
Members are treated well at Kaiser. My Health Manager is the name for the online member portal through which you access your account. Through My Health Manager, you can:
- View the benefits of your health plan.
- Make a payment.
- Download a form you need.
- Set up (or change) a date for a doctor's appointment.
- Email your doctor about a minor question.
- View your medical record.
- Extra abilities like viewing your medical records make this member portal, even more, personalized and convenient. Plus, Kaiser has a mobile app that allows you do many of these same tasks.
For members, there's also a dedicated FAQs section that gives you answers to questions you may have about getting an ID card, looking up a doctor in Kaiser's network, and paying a bill. There's a dedicated member phone number to contact as well. Kaiser eases not only logistics but also healthcare education. Members and nonmembers alike can use Kaiser's glossary of healthcare terms, which might come in handy when shopping for a plan, learning how to use your benefits, looking up a provider, and more. Resources like these make the company more transparent and customer-centric.
Kaiser Permanente offers many of the same added advantages that other healthcare insurance companies offer: discounts on health-related products, education about health care as an industry, and a mobile app. That being said, each company puts its own twist on these features, and Kaiser is no exception. The mobile app for this company is called the KP Mobile App, and it allows members to do many of the same tasks that the member portal does. These include contacting your doctor, making a payment, finding a doctor, and viewing your medical history. Kaiser has a lot of different discounts as well. Some of these are for fitness club memberships and for massages or chiropractic work. In addition, Kaiser has a wealth of information in their health guide. If you're trying to make a healthy change in your diet, if you're trying to quit smoking or lose weight, or if you're struggling to manage a chronic illness, these resources would be helpful for you. There are tons of physician-approved resources you can read about taking control of the aspects of your health that you can control and coping with the ones you can't. It's also worth mentioning that Kaiser Permanente has a large provider network and a pCHS network of 658,000 providers. Though the company is limited in terms of location, it has a great network for you to choose from.
Kaiser Permanente values high-quality care, and customer service is an area where they deliver this. The company website is very helpful, with lots of details about the types of plans Kaiser offers, member resources, and ways to make the most of the plan benefits. But Kaiser offers plenty of ways for customers to contact the company as well. These include a live chat tool, phone numbers, and mailing addresses. They also have links on social media sites. One of the best features of the Kaiser site, though, is its plan finder. To look up basic information about their health plans, you don't have to provide very personal information (though to get specific prices and quotes, some personal information is necessary). This tool is so easy to use and is nonintrusive. Kaiser also makes it possible for customers to get help in either English or Spanish as well. Flexibility is found in other areas too. With a health plan here, you can switch doctors at any time and use the find a doctor tool to find a different one. Kaiser Permanente has more than 10 million members. With so many customers to serve, the company has developed a wide selection of resources. They are transparent about their health plans, they make navigating the member portal easy and intuitive, and they anticipate customer questions well.