Kaiser Permanente was founded in 1945. It is a nonprofit health insurance provider with years of industry experience. It offers employer-provided plans, Medicaid, Medicare, charitable health insurance, and other private insurance plans. Its plan selection makes it easy for people to find good health insurance.
Kaiser Permanente's dedication to offering quality care through its networks also makes it a good option. Kaiser Permanente health insurance plans provide insurance coverage at Kaiser Permanente hospitals and clinics. These medical facilities are staffed with high quality health care providers including primary care physicians and specialists.
Members can receive several different kinds of medical care and treatment at one medical center, which makes receiving health care treatment convenient.
Founded in Oakland, California, this health system has millions of members in Colorado, Georgia, Washington, Oregon, Hawaii, California, Virginia, Maryland, and Washington, D.C.
The plan selection at Kaiser Permanente is quite admirable. Kaiser Permanente 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 its insurance policy options in your area. 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. Then you input your zip code to see health insurance options in your area.
Getting the cost information for a plan will require further research because the monthly premium depends on several factors, like age. But the initial questionaire will give you access to brief descriptions of the types of plans available and the overall coverage you can expect.
Kaiser Permanente offers individual, family, and employer-provided health insurance plans. Employer-sponsored plans help employers add value to their employees' benefits package.
Kaiser Permanente also offers Medicaid, Medicare, and charitable health insurance to individuals who qualify. Kaiser Permanente also offers Health Savings Accounts (HSAs) with some of its plans and Catastrophic plans.
Premiums, coverage, copayments, coinsurance, annual out-of-pocket limit, and annual deductible, of course, depend on the individual plan. Before purchasing a health insurance plan, it's important to understand the full cost of the plan, which is not just the monthly premiums. In some cases, it may make sense to pay higher insurance premiums to have lower out-of-pocket expenses.
Dental and vision insurance are also possible through Kaiser Permanente.
Members are treated well at Kaiser Permanente. My Health Manager is the name for the online member portal through which you access your account. Through My Health Manager, you can:
Extra abilities like viewing your medical records make this member portal, even more, personalized and convenient. Plus, Kaiser Permanente has a mobile app that allows you to do many of these same tasks.
For members, there's also a dedicated FAQ section that gives you answers to questions you may have about getting an ID card, looking up a doctor in Kaiser Permanente's network, and paying a bill.
There is also a dedicated member phone number to contact as well. Kaiser Permanente eases not only logistics but also health care education. Members and nonmembers alike can use Kaiser Permanente's glossary of health care 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 health care insurance companies offer: discounts on health-related products, education about health care as an industry, and a mobile app. These added perks demonstrate Kaiser Permanente's dedication to supporting its members' health and well-being. Each company that offers these additional features puts its own twist on these features, and Kaiser Permanente is no exception.
The mobile app for this company is called the Kaiser Permanente 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 health care providers and medical offices, and viewing your medical history.
Kaiser Permanente has a lot of different discounts as well. Some of these are for fitness club memberships and for massage therapy. In addition, Kaiser Permanente has a wealth of information in its health guide.
Kaiser Permanente also offers health classess and healthy lifestyle programs to help people live healthier lives. 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.
Kaiser Permanente values high-quality care. The company website is very helpful, with lots of details about the types of plans Kaiser Permanente offers, member resources, and ways to make the most of the plan benefits.
One of the best features of the Kaiser Permanente 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 Permanente 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 millions of members. With so many customers to serve, the company has developed a wide selection of resources. The company is transparent about its health plans. It makes navigating the member portal easy and intuitive. Kaiser Permantente anticipates customer questions well.
One major limitation of Kaiser Permanente is the span of states that Kaiser Permanente can work with. This company limits itself to just several states out of 50, which means its health plans aren't even an option for you if you live outside of these states. If Kaiser Permanente's plans are not available in your area, you'll need to consider another insurance company.
Call our recommended rep over at Kaiser Permanente below.
The doctors and nurses there are very nice. They have clean and high technology equipment. I think it worth the money.
Kaiser does nothing to help or support anyone who might need help in mental health which includes anxiety, etc. Patrice on their crisis line can careless. It is so sad how little they care for their patients and do nothing to make things better for patients who are suffering. Their counselors and therapists are horrible! Honestly they should be held accountable for the lack of service they offer.
What can I say I was born at Kaiser 43 years ago. My oldest son was born there and I loved it. My parents both have Kaiser now when I moved to a state they did not have it I was very sad. It was my favorite to have everything basically together where you’re paying one fee and all the doctors work for one company. I loved the hospital. My parents have complained a little bit over the years as far as price is going up and that a lot of people have them but they still stay with them so that says a lot
patrick w bennett
I Have been with Kaiser several years and have been somewhat satisfied with them. Recently I have had an umbilical hernia. I have been to two different doctors and was told that because I was a smoker that they would not do the surgery. At my last visit with Doctor Kim, I was told that if I quit smoking that day he would schedule the surgery in one month. Before surgery I would have to take a UA to make sure I was nicotine free, if not he would not do the surgery. When I asked him about someone that was a drug addict or alcoholic, he said they would also need a UA. He also said that anyone that was over weight would have to lose weight before they would do surgery. I told Doctor Kim that I would just wait and go to the emergency when it ruptured and he said they would just push it back in and send me home, really? When I complained to Kaiser, I received a letter and a phone call from them telling me they would look into it and get back to me. I still haven't heard a word. Don't waste your time with Kaiser.
Grant J Fricks
Woe is ye who fall to this horrid company. If you do, opt-out of arbitration is number 1 or you will be ignored. Expect to have absolutely no say in your own health care other than the right of refusal of treatment. Their "medical" policy is written by an actuarial, not a medical person. They betray their Hippocratic oaths and will put down false information for corporate goals, not medical outcomes. Their current rules will push the elderly out for the young and profitable.
The good Doctors are forced to walk out on patients in violation of federal law.
I love Kaiser, I have been with them since I was 15 in 1965. I've been fortunate to have a job that offered Kaiser for myself and family then my husband got a job that paid for family and him and we kept Kaiser our whole working life and now retired we have Senior Advantage. I've seen Kaiser grow through the years and improve vastly from my early years. I've never been disappointed with them.
Kaiser Permanente is a great insurance if you are a California resident and don't plan to travel much outside of California.
Guardian of Light
Kaiser Permanente Health Insurance here in Northern Colorado is absolutely the worst you can have. After signing up you'll find Kaiser doesn't have enough physicians to care for you. As a result, you can expect to be forced to drive as far away as 90 miles just to see your PCP! The same or worse applies to specialists! Know this, despite having a major medical center here in Fort Collins as well as a Banner Medical CEnter & Hospital which is the affiliate of Kaiser, The Poudre Valley Fire Department and all the EMTs frequently refuse to take a patient in crisis to Kaiser/Banner because they are completely incapable of treating a major medical event. Does that make you feel good when your life hangs in the balance and the health insurance you bought from Kaiser Permanente is comprised of physicians some 90 miles away or simply doesn't have the necessary medical skills or equipment to save your life? Think about folks, think long and hard.
Madeline (Maddi) Cohen
Richard, MY Love, Had a stroke a little over 2 weeks ago. We are both Kaiser Permanente customers. No rheab today or tomorrow as the center works with patients only on weekdays. It is time to call Kaiser to task. Richard is getting 1. Phisycal therapy, 2. Occupational therapy and 3. speech therapy. Kaiser denied him Accute Rehab because Kaiser said he didn't qualify by needing 3 types of therapy. It seems they don't know how to count anything but $$$$. All three of his KAISER doctors said he was a PRIME candidate for ACCUTE rehab ( 3 hours per day 7 days per week). Kaiser had a peer confrence with his dr. and still denied him the care he required to REGAIN his quality of life. He is getting about 2.5 hours of therapy 5 days per week. KAISER took over a week to do their process at which time Richard got minimal therapy. I am told that first week of therapy is the most important. Kaiser advertises THRIVE But their real ads should be "If it costs more than we want to pay GO DIE". Each time I see their ads I want to vomit. PLEASE PASS THIS MESSAGE TO YOUR FRIENDS WHO MAY HAVE KAISER OR MAY BE LOOKING FOR COVERAGE.
Kaiser has a very limited network of providers. The providers they do have thus far have demonstrated little compassion and limited understanding of chronic conditions. I've been denied care because the only care for me is "outside their network. I've ended up paying ALL my care plus paying my Kaiser premiums as well. Very costly choice being on a Kaiser plan.
Worse company ever....they diagnose you will CANCER and tell you that I will see you in a month because there are no available appointments. Then one doctor states you should do RADIATIONS , when you get to the RADIATION doctor NO you are not a candidate for that, you should do surgery. They tell you that they will set up a appointment to see the surgeon, after 3 days , nothing they are taking their time. WORSE EVER....
The customer service reps are incompetent and give incorrect information. Their own reps don’t know the hours of locations and what services each location provides. Multiple times I have been told one thing and only to show up at the office and find out what I was told isn’t true.
My grandparents have had this insurance for years and love all of the convenient benefits. Would definitely recommend!
Kaiser is a great health care system. I found the service to be fast and reliable. I wish more Healthcare organizations were like them.
We really like so many things about Kaiser, but it can be frustrating to have to go through your GP to get any other appointments, and even though I feel like we pay a lot, our coverage really isn't that great so it's very expensive to go to the doctor and get any medications.
You need Prior Auth for just about everything that you need. I got a referral for massage from my primary care provider, and they approved me to see a massage therapist that performed accupuncture on me! What a violation. I didn't want to go to that provider so I went to a different massage therapist. Now they are not covering the claims, and I tried to appeal, but it was denied because they said my massage therapist didn't get prior auth before performing the services. I was in a lot of pain and needed treatment right away. It's like they prefer you to be on drugs, which will probably be covered faster, than getting alternative therapy.
Garn L. Arnold
Twenty five years ago we lived in San Jose and we had kaiser Permanente. They delivered our son. We were extremely pleased with them. They even provided and experimental baby crib that was suppose to simulate being inside the mother's womb. It was awesome!
Do not join Kaiser if you are in pain. I am allergic to the non opiate medication uses. I have a condition, caused by Kaiser, that causes my blood pressure to spike when I am active. This has resulted in me fainting and 1) breaking my finger 2) cutting my head, 3) injuring my knee, 4) blacking out, 5)going into hypertensive crisis. Kaiser feels this is better for my health than prescribing me 4 mg of dilaudid, which they did for 6 1/2 years before they changed their policy to only prescribe opiates to cancer patients
Prescribed a high blood pressure meds that deplete potassium without telling me to take potassium tablets. When my potassium got so low that I fainted AND CRACKED MY HEAD OPEN they forgot to tell me I had a concussion. Later my primary care physician emailed me to ask if they had given me the concussion conversation. NO! I wasn’t supposed to be watching tv, reading, playing on my phone or computer. My mind was supposed to be resting. Gee thanks for not warning me! Yesterday I went to urgent care for ex rays to see if I fractured my humerus. After many ex rays the urgent care doctor gave me an emergency referral to orthopedics without telling me what he saw in the ex rays. A nurse felt sorry for me and slipped me a sling and said something about having a fracture. I called my emergency referral number first thing this morning. There wasn’t a single doctor at any location who could see me today. I leave tomorrow morning for 5 weeks. NO ONE WILL TELL ME HOW TO TREAT THIS UNTIL I GET BACK IN MID OCTOBER!!!! I have never seen such incompetence in my life!!!! I can’t wait to get Medicare next year and switch to Scripps!
Depends on location. The Catillac Urgent care location care is Terrible. I was told by one doctor his job was to give me a little something until I could seem my primary care physician. Trying get a appt. with primary physician takes a couple of months. Kaiser website. trying cancel an appt is not possible. you have to call appt line.(not open on weekend). Finally using option to primary physician , does not work. If I get a response, it is never from doctor. And their answer is go to urgent care.
They are there ready to take your money when you are healthy but they will give you the cheapest medical care possible to save money and cut costs when you are sick.
For 20 years I was a Kaiser client and rarely went there before I had kidney stones. A year ago, due to the incompetence of the attending physician and an erroneous diagnosis, I lost one kidney. Over the past year, I have had several operations. Now I have a firm belief that Kaiser is overwhelmingly losers and doctors from other countries who have received their diplomas based on the standards of backward educational institutions. Kaiser is 90% of hypocrites covering each other. Kaiser will offer you a flu vaccine every day, but you will never have an expensive operation. Instead, Kaiser will conduct hundreds of cheap tests and prescribe cheap drugs that will cost him nothing and will never do what is good for your health, but will be costly for Kaiser. If you value your health, run away from Kaiser before it's too late!
5 I've had Kaiser since I was a child and as long as I can stay with them I will stay with Kaiser.
After helping to speed the death of my dad (prostate cancer) and my mom (ovarian cancer), I reluctantly find myself back on "Group Death" as it was called back in the day for the first time in 35 yrs., because of a job switch. I just went to pick up my first 30 day supply of insulin. Shouldn't have been surprised to see the cost jump from $60 Primera, to $400 for this plan. I can only imagine how bad they're going to hose me for my insulin pump supplies when the time comes.
Excellent providers. Compassionate care in a very timely manner.
As a Kaiser member for a good portion of my life, I'd say it has been, by far, the best health care I've had. The convenience of how its integrated care system works is truly exceptional. Those that give it fewer stars obviously have a bone to pick with KP, so be wary.
Kaiser Permanente doctors are good, but the overall administration and availability of doctors is a disappointment. Overall I think they have more patients and less doctors in the specialty departments. Most surgery's are done as out patient surgery and to get a surgery appointment look out at least 4 weeks in schedule. They have doctors jammed up in their schedule. If this was not the cheapest option available, we would have never opted for it.
If you are considering Kaiser as your Insurance DON’T....... RUN as fast as you can they are the worst. I’ve had them for years I pay $1400 a month to have them, if you ever need to talk to your doctor give it up it’ll be at least a week before you hear from them . You can only email them through the corporate office so no telling when they will forward your email.
I traveled out of town and forgot my meds. Impossible to get 3 days worth of meds without having to go to urgent care and paying a high copay for the visit. I had my prescription and explained that without my meds I would be feeling sick, but apparently nothing could be done! I spoke to membership services, on-line nurse, and pharmacy. Even the pharmacist at Walgreens was surprised at the poor service and difficulties. Uhgggg! I need different insurance!
My 14-year-old daughter is suicidal, we have went to 2 Mental Hospitals outside of Kaiser.. my daughter need intensive counseling... and Kaiser counseling has been a joke for my daughter.. I have informed Kaiser the importance of my daughter get into counseling every week.. she's a high school student that gets out of school late and get home each day at 4:30 Kaiser refused to pay for my daughter to go outside of Kaiser to get counseling..
Urgent care restroom out of paper supplies and trash all over the floor. Spoke to the clerk at front desk and did not seem concerned about it at all. Urgent care is busy which is understandable but restrooms should be cleaned frequently so supplies are stocked all the time. Also like to mention the wheel chairs check in, that is very inconvenient to people who come to urgent care an cannot walk to front desk to check in with an ID for a wheel chair. Overall very dissatisfied with kaiser Fontana.
First of all- I would like to express my upset and concern that I have now heard from TWO of your doctors that breast exams are not included in Preventative Health Checks. That is outrageous. Breast health is an important part of a women's overall health. I expect the general public does not know that KP does not think so. Secondly- I went into the clinic to see a new primary care doctor, and SPECIFICALLY ASKED for a breast exam at my appointment, which was my yearly preventative health check up. I told her I was experiencing pain and was concerned. She told me that KP doesn't bother to do breast exams anymore, as they turn up nothing. I told her that my friend just had a lump found in an exam (not at your clinic, clearly) and it was cancer (her reply was "well now I feel stupid"). Dr B did not perform and exam as I requested, nor did she order an exam (physical, mammogram, ultrasound, or other) for me. After leaving, and realizing nothing had been done about my request. I called to get another appointment, which was a ways out, with a new doctor. I no longer wished to see Dr B as I do not trust her judgement or skill. KP clinic called and changed my appointment several times and with several people. I then ended up seeing a fill-in physician, who really can do nothing for me, since she isn't a primary care provider. She also reiterated that breast health is not covered in KP preventative care. (Had I known this prior to switching to KP insurance/group I would have NEVER chosen the company). She did find a lump, and has referred me to get further testing. This should have been dealt with in my original appointment. . Dealing with KP has been a nightmare.
been a customer most of my life and compared to other health plans they get to the root issue not band aid it because of cost or drag it out for years
Coverage is ok IF you can get an appointment. My husband and I moved to Hawaii after living in Honduras for four years. We began coverage on July 1. We attempted to book at the (only 2) eye care providers in network. Six month waiting list and Kaiser does NOT cover anything outside their eye clinics. That is not cool. They should cover a portion outside network if it is their fault they do not staff enough providers for the area. My husband is on his last set of contacts and we now have to pay 100% out of pocket as they certainly will not last until October.
I have had Kaiser insurance for about 3 years now. I am so happy with my Doctor. And since all services are available at the same place I can have a physics and get my lab work, mammogram,, etc all on the same day.
They are providing excellent care and regularly improving
After being a member for over 30 years, and lately going to routine mammogram, they told me that by copay is 472 dollars, so I cancelled appointment and contacted both our union benefit office and Kaiser patient services via email. After no responses, I walked into patient services office, where I was given a runaround. She told me that I have to contact my doctor about the coding of the mammogram, She never bothered to say, I will find out for you why this happened! and then she asked if I wanted her to mail the benefit booklet, obviously she was very bothered by me asking her questions. So I did now email my doctor, and waiting to hear from her. There is more to tell, but all i want to tell, that I feel like they are just herding me like cattle, no one has any answers, and no one cares.
Kaiser Permanente is not healthcare but in fact, a big scam. The employees there don't take any ownership of wrongdoing. They messed up our accounts and our names and they sent the account to collection, even though my account states a ZERO balance AND my husband was paying a payment plan. When I called the office of financial counselling and I explained to them that the account has discrepancy and we needed to verify our payments and they said "sorry we will pull the file from collection and will contact you to verify." They never did and when I called them on June 21, they said we decided not to pull the file from collection. Not to mention that they hung up the phone while I was talking with them. They are very difficult to deal with and when you ask any questions they will transfer you to another department without answering. Please be warned the nightmare you are getting yourself into when you sign up for Kaiser.
I’ve had kaiser for a few years now and I’ve been satisfied for the most part. They have quality doctors and friendly staff most of the time. One thing that is pretty difficult is the limits to my coverage outside of CA, which is part of a lot of companies but Kaiser is very strict.
When my family and I were living in the Bay Area, we used Kaiser as insurance and I love that we can schedule our own appointments online (we have an option to call to schedule) or you can do it yourself (I prefer this) - you can also see your doctors schedule and availability (usually, if I wanted an appointment the same week, like today is Monday, majority of the time, I could get a Wednesday appointment or earlier). Anyway, I also gave birth to my daughter at a Kaiser hospital and I had a great birthing experience and stay (my daughter was born at 35 weeks) so we stayed a few extra days. Fast forward to now, we recently moved back to the place where I grew up (not in California, anymore) so we had to unfortunately give up our Kaiser insurance and go with whatever was available at our location. Scheduling alone, I cannot do it on my own and I scheduled yesterday for a yearly checkup & yesterday was June 19th, my appointment is July 19th. What in the actual...? I also got my hearing tests done with Kaiser and got my hearing aids from them (unfortunately, no insurance covers the cost of hearing aids since it's considered cosmetic) - I wish Kaiser would fix this especially for people who have hearing loss (trust me, no one wants to spend $3500 on hearing aids, and for sure we don't consider it cosmetic to be wearing hearing aids or to even own them!) That is my only negative thing, I feel that Kaiser could at least give a 50% discount on them. I basically had to use my travel savings for my hearing aids because they didn't even have monthly payments available. I do miss our Kaiser insurance and just having everything in 1 location - we lived nearby a Kaiser hospital so we got everything done at that location, only time I went to another location which was only 3 miles away from the hospital was when I got my hearing tests done and did a fitting for my hearing aids.
Average health care for an average price so overall pretty good if you don’t need much
My parents and family has been with Kaiser for over 40 years and I am at my wits and with them right now. My parents are getting older and with that they need more care. 3 years ago my father had a heart attack that lasted over 24 hours before they even diagnosed it. More recently they called my mom and told her she either had leukemia or lymphoma. They waited a week before calling her with results. Now she doesn't have an appointment for 3 more weeks with blood doctor. If they tell her in 3 weeks she has cancer it will be very upsetting. Why can't they get her in sooner?
Kaiser is expensive insurance but it is reliable. They are committed to promoting good health; after all, it benefits them if their clients are healthy. They do pay out when you need them to and their prescription and Copay is reasonable. The deductibles are fairly high on most plans though, so save your money to pay for those.
I used Kaiser Permanente for health insurance for several years. I was happy with my doctor and felt like I had good care. I only left because the price for the monthly insurance premium became ridiculously high. For our family of 4, we were looking at almost $2100/month! This was on a high deductible plan, so we would pay that amount and still be paying more to reach our deductible. In two years time the premium had raised about $1,000. I blame much of this on Obamacare and the government, but regardless we went another route and are very satisfied to be saving all that money.
I was on my family’s insurance when we had Kaiser Permanente and it just seemed really expensive for what it offered. Just did not give me a bang for my buck. Or even give me something worthwhile for my money. But maybe that’s just how all health insurance is in America.
Dale L Farmer
At one time they were very affordable if you needed individualized insurance. Not so much any more. Good doctors and staff. Good facilities.
Kaiser has great insurance and options. Coverage is awesome. Too bad they don't have more establishments in other states.
Kaiser has great coverage, I just wish there were more Kaiser facilities around the U.S.. I hate the fact that you can only go to a Kaiser facility because of this insurance.
Honestly, I would not recommend Kaiser anyone that really cares about being healthy or having good healthcare. There are so many limitations that it’s not worth even trying to get help. Plus, the doctors that I’ve been to had no respect for my situation or the time they made me wait for useless appointment. Don’t go to Kaiser.