Kaiser traditional hmo summary of benefits
If you’re looking for health insurance that provides excellent coverage at an affordable rate, you should consider a plan from Kaiser. This company offers both individual and Medicare plans, and they’re often ranked as one of the best in the country.
Kaiser has an integrated system that ties together its insurance and medical care. This is a great way to streamline your insurance experience and make claims easier to manage.
Coverage Options:
The coverage options in Kaiser’s individual and Medicare plans vary, depending on your needs. However, most of the company’s policies are HMO plans that offer cheaper monthly costs but limit your access to doctors and hospitals.
Those with serious health conditions may want to choose a different policy. If you’re a diabetic, for example, you should consider a PPO plan that covers out-of-network doctors and facilities.
Prescription Drug Coverage:
The prescription drug coverage in Kaiser’s plans is tiered, with the highest tier paying for the most expensive drugs. You can find the details of prescription drug coverage in the plan’s Certificate of Coverage.
Specialty Coverage:
There are also a number of specialty options in the Kaiser plan. Some of these include physical therapy, obstetrics and gynecology, endocrinology and cancer treatment.
Out-of-Network Coverage:
The Kaiser Permanente insurance network includes 700 medical offices and 39 hospitals. This means you’ll have access to many doctors, but it also limits your coverage and makes it more difficult to see specialists that aren’t in the Kaiser Permanente network.