Kaiser Health And Medical Insurance

Kaiser Health Insurance

Kaiser Permanente is an integrated health care organization founded in 1945. It is a non-profit health plan headquartered in Oakland, California. It is encompassed by Kaiser Foundation Health Plan, Inc., Kaiser Foundation Hospitals, and Permanente Medical Groups. Kaiser health insurance is available in California, Colorado, Georgia, Ohio, Hawaii, Oregon/Washington, and the Mid-Atlantic states. It remains one of the largest HMOs in the country.

The earliest foundation of Kaiser health insurance was based on the theory of preventative care, meaning that treating a patient to keep them healthy was better than waiting until illness or injury strikes. Still operating under that philosophy, Kaiser health insurance provides plans to companies, individuals, families, and seniors.

The company operates by regions, with compensation working on two levels. The first is the plan, which pays to regional medical groups. Then, the regional medical group pays the physician for their services. Kaiser health insurance offers affordable HMOs and has a Senior Advantage plan for the senior population.

You can learn more about various plans and premium costs by contacting an independent health insurance agent who can obtain a quote and plan information based on your budget and needs. You should be prepared to share basic information including contact information to receive an insurance quote. Remember to compare quotes with other comparable plans available in your area. Take note of what type of coverage you receive for the premium and what doctors and facilities are in the group.

By contacting an independent agent, you can compare Kaiser health insurance quotes with two or three additional companies to ensure you are purchasing the best health insurance coverage for your money and your current situation. Kaiser health insurance has a long-standing reputation with quality group physicians and offers plans based on managed and preventative health care. Remember that an HMO requires insured individuals to designate a primary care physician who coordinates all of your health care needs, including referrals to specialists.

Medical Insurance Plan

When people are unable to obtain an affordable, employer-sponsored group health insurance plan, they usually figure an individual health insurance plan is their only other option, short of state-sponsored health care. Purchasing an individual health insurance plan is indeed an option, but if you can’t afford it at this time in your life you may want to consider finding affordable health care with a major medical insurance plan.

When comparing individual health insurance plans and major medical plans, you’ll probably find that major medical plans are generally more expensive. But you’re not looking for more expensive! You’re looking for affordable health care! Rest assured, you can find affordable health care with a major medical insurance plan.

While you may spend more on monthly premiums when you purchase a major medical insurance plan, you will save money when it comes to major medical costs think major surgeries, extended hospital stays, etc. These kinds of health care coverage are much more expensive than, say, a regular check-up. These kinds of health care coverage are also the kinds that will financially break you if you don’t have coverage, or enough coverage, in the event they occur.

A regular individual health insurance plan will not cover the same high dollar amount of major medical care that a major medical insurance plan will cover. This is the point at which those higher monthly premiums begin to make sense.

Having health insurance is important. Health care is expensive, and the cost is steadily rising. If you don’t have employer-sponsored group health coverage, and aren’t eligible for a state-sponsored health plan, you must purchase some sort of health insurance.

While regular individual health insurance plans are generally less expensive as far as monthly premiums are concerned, major medical insurance plans cover a greater portion of the more expensive medical treatments and procedures. Take these factors into consideration when shopping for the most affordable health insurance plan for you.