Kaiser Permanente
One
Kaiser
Plaza,
21B
Oakland,
CA 94612
Kaiser Permanente began in the Depression as a way to insure the thousands of men employed building the Los Angeles Aqueduct. Each worker paid a set amount to be covered for work-related medical care – or paid a little more to have all medical care covered. From the beginning, this company has emphasized preventive care and a close doctor patient relationship. At Kaiser, the patient is informed about all options for care and is encouraged to take an active role in medical decisions.
Kaiser is the largest non-profit, health maintenance organization or HMO in the US. A Health Plan and a Medical Group manage the HMO in each region where Kaiser is available. Doctors are paid a salary by the Medical Group. They are an integrated health delivery system. The entire range of care for their members is provided and coordinated through their system.
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Kaiser Permanente Health Insurance Products
Kaiser Permanente’s individual and group health insurance plans cover the following medical needs:
- There is a strong emphasis on preventive care and healthy lifestyle choices.
- Immunizations are covered, as well as screening diagnostics.
- Baby and prenatal care are fully covered.
- Pharmacy services are available, with prescriptions filled from a list approved by Kaiser’s review board.
- Insured can choose from a large network of doctors, pharmacies and hospitals.
- Routine visits are covered, with small co-pays. There are no claim forms to fill out.
- Emergency care is available
- There are a wide number of educational resources available to the patient.
Georgia residents and businesses may choose from various HMO plans, plus an HSA plan (which offers a combination of a high deductible plan and a health savings plan that is tax advantaged).
Ratings:
A.M.
Best: B+
Fitch:
A+
Standard
&
Poor’s:
A-