Kaiser Life Insurance: What You Need To Know

Kaiser Permanente is a health insurance company that offers a range of health plans to meet different needs and budgets. The company is the oldest and largest Health Maintenance Organization (HMO) in the United States, serving eight states and the District of Columbia. Kaiser Permanente offers individual and family plans, as well as plans for businesses of all sizes. Their plans include copay plans, deductible plans, virtual plans, HSA-qualified plans, and catastrophic plans. In addition to health insurance, Kaiser Permanente also offers life insurance through their Ultimate Kaiser Health Builder Plan. This plan combines healthcare coverage, savings, an emergency fund, and insurance into one portable account. It includes coverage for accidental death and dismemberment, waiver of installment due to death or disability, and outpatient benefits. With a range of plan options and added benefits, Kaiser Permanente aims to provide peace of mind and encourage members to live life to the fullest.

Kaiser Permanente's health insurance plans

Kaiser Permanente offers a range of health insurance plans to cater to different needs and budgets. The company has been providing high-quality healthcare and coverage for over 75 years, with a unique model that connects care and coverage to simplify the healthcare experience.

Kaiser Permanente Health Insurance Plans:

Individuals and Families:

Kaiser Permanente offers a variety of health plan options for individuals and families, including Copay, Deductible, Virtual, HSA-qualified, and Catastrophic plans. These plans differ in how they split costs, with varying monthly premiums, deductibles, and out-of-pocket expenses. For example, Copay plans have higher monthly premiums but lower costs when you receive care, while Deductible plans offer lower monthly premiums but require you to pay full charges until you reach your deductible.

Metal Tiers:

Kaiser Permanente's Individual and Family Plans are organized into four coverage levels, known as metal tiers: Bronze, Silver, Gold, and Platinum. Bronze plans have the lowest monthly premiums but the highest deductibles and out-of-pocket costs, making them ideal for healthy individuals who rarely need medical care. On the other hand, Platinum plans offer the highest monthly premiums but the lowest deductibles and out-of-pocket costs, catering to those with known health issues and frequent specialty care needs.

Employer Coverage:

Many companies choose Kaiser Permanente plans for their employees due to their effectiveness and convenience. These plans offer 24/7 access to care, predictable costs, and simplified paperwork.

Postal Service Health Benefits (PSHB) and Federal Employees Health Benefits (FEHB):

Kaiser Permanente provides customized plans for postal service employees and federal employees, ensuring convenient and personalized healthcare with 24/7 access.

Charitable Health Coverage:

Kaiser Permanente offers Charitable Health Coverage for those who do not qualify for public or private coverage.

The Ultimate Kaiser Health Builder Plan:

This innovative program combines healthcare coverage, savings, an emergency fund, and insurance into one portable account. It guarantees long-term care even after the age of sixty and offers a Return of Payment for non-utilization in the first seven years of coverage.

Kaiser Permanente's Medicare health plans

Kaiser Permanente is one of the largest participants in Medicare Advantage, providing coverage to more than 1.8 million Medicare members. Medicare Advantage (also known as Medicare Part C) is a nationally recognized managed care option that helps millions of Medicare beneficiaries stay healthy by providing coverage for hospitalization, medical care, and prescription drugs.

Kaiser Permanente offers Medicare Advantage plans in the following states:

• California
• Hawaii
• Washington
• Colorado
• Oregon
• Southwest Washington
• Georgia
• Maryland
• Virginia
• District of Columbia

In California, Hawaii, and Washington, Kaiser Permanente is an HMO plan with a Medicare contract. In Colorado, Kaiser Permanente is an HMO, HMO-POS, and PPO plan with Medicare contracts. In Oregon, Southwest Washington, Georgia, Maryland, Virginia, and the District of Columbia, Kaiser Permanente is an HMO and HMO-POS plan with a Medicare contract.

Kaiser Permanente offers a range of Medicare Advantage plans to meet the needs of its members. These include:

• The 2025 Liberty without Part D plan
• The 2025 Care Plus Virginia plan
• The 2025 Care Plus Maryland plan

Medicare Advantage plans are popular among older adults as they often offer prescription drug coverage (Medicare Part D) and additional benefits such as hearing, vision, and dental coverage. These plans may also include health-related services such as meal deliveries after hospital discharge.

Kaiser Permanente also offers a Dual Special Needs Health Plan (D-SNP) for individuals who have both Medicare and Medicaid.

To learn more about Kaiser Permanente's Medicare health plans, individuals can visit the Kaiser Permanente website, call a Medicare specialist, or attend a seminar in their area.

Kaiser Permanente's employee health plans

Kaiser Permanente offers a range of employee health plans to suit different needs and budgets. The company is the oldest and largest Health Maintenance Organization (HMO) in the United States, serving eight states and the District of Columbia. Its largest membership base is in California, with over 8 million members.

For individuals and families, Kaiser Permanente offers four main types of plans: Copay plans, Deductible plans, Virtual plans, and HSA-qualified plans. Copay plans are the simplest, with no deductible and a straightforward copay or coinsurance schedule. Deductible plans have lower monthly premiums but require members to pay full charges for covered services until they reach their deductible. Virtual plans are a type of deductible plan that offers lower costs for preventive and primary care through telehealth services. HSA-qualified plans allow members to set up a health savings account (HSA) to pay for health costs with pre-tax dollars.

Kaiser Permanente also offers a range of plans for businesses, including medical, prescription, vision, dental, and complementary and alternative medicine options. These plans can be customized to fit the needs and budgets of the business, and employees can access their health information and tools online.

Overall, Kaiser Permanente's employee health plans offer flexibility, affordability, and quality care, with the added convenience of integrated services and a wide network of providers.

Kaiser Permanente's Federal Employee Health Benefits (FEHB)

Kaiser Permanente offers Federal Employee Health Benefits (FEHB) to federal employees and retirees. The FEHB plan provides members with 24/7 access to care, predictable costs, and less paperwork. Members can also take advantage of the Senior Advantage plan, which offers additional benefits such as reimbursement towards their Medicare Part B premium, no deductibles, lower copays for most covered services and prescription drugs, non-emergency transportation, meal delivery, and more.

Kaiser Permanente's FEHB plan offers three plan options to choose from, depending on members' needs and preferences. The options include $0 copay for telehealth, lower premiums, and most out-of-pocket costs as copays. The FEHB plan also provides care while travelling and predictable and low out-of-pocket costs.

The Senior Advantage plan has two options: High Option Senior Advantage and Standard Option Senior Advantage. Both options offer up to $3,000 reimbursement per year ($250 per month) towards the member's Medicare Part B premium. Additionally, the member's spouse is also eligible for the same reimbursement, totalling up to $6,000 per year for the family.

Kaiser Permanente's FEHB plan is designed to enhance the benefits for federal members without increasing their FEHB premium. The plan offers better benefits and savings on out-of-pocket costs compared to FEHB benefits alone.

To enrol in a Kaiser Permanente Medicare health plan for federal members, individuals must first enrol in an FEHB plan.

Kaiser International Healthgroup, Inc.'s Ultimate Kaiser Health Builder Plan

Features and Benefits:

• Long-term Care: The plan guarantees healthcare coverage even after the age of sixty, ensuring individuals are taken care of during their retirement years.
• Healthcare Coverage, Savings, and Insurance: The plan combines healthcare coverage, savings, emergency funds, and insurance into one comprehensive package.
• Accumulative and Portable: The plan is accumulative, allowing individuals to build their health savings. It is also portable, so individuals can retain their plan and funds even if they change or lose their jobs.
• Four-Way Insurance Coverage: This includes accidental death and dismemberment, waiver of installment due to death, waiver of installment due to permanent and total disability, and outpatient benefits.
• Flexible Payment Options: The plan offers flexible payment options, including monthly, quarterly, semi-annual, and annual instalments. It also provides the option to pay in full with spot cash.
• Annual Physical Examinations and Dental Coverage: Members are entitled to annual physical examinations and unlimited dental check-ups, with once-a-year free dental prophylaxis and unlimited simple tooth extractions.
• Special and Extended Benefits: The plan includes special benefits such as MRI scans, CT scans, dialysis, blood transfusions, physical therapy, and emergency ambulance services.
• Long-Term Care Benefits: Members can access guaranteed health benefits shown in the Schedule of Benefits, which can be used at the end of the 20th year or converted into cash.
• Yearly Health Care Hospital Benefit Limit: Members are entitled to 10% of the Long-Term Care Benefit Value earned starting from the end of the accumulation period up to the 20th year.
• Lifetime Network Access: Members gain lifetime access to a wide network of over 1,000 doctors and 500 hospitals, as long as they have funds available in their health benefits.
• Cost-Free Health Benefits: The plan offers cost-free health benefits, with a return of membership fees for non-utilization.

Eligibility and Requirements:

The Ultimate Kaiser Health Builder Plan is available to individuals aged 10 to 60 years old, including Filipinos, OFWs, and other nationalities residing in the Philippines. Even minimum wage earners and those in high-risk jobs can avail of the plan. Individuals with pre-existing illnesses can also apply, subject to approval on a case-by-case basis.

Frequently asked questions