What kind of insurance does kaiser accept

Healthwise, Healthwise for every health decision, and the Healthwise logo are trademarks of Healthwise, Incorporated. The Health Encyclopedia contains general health information. Not all treatments or services described are covered benefits for Kaiser Permanente members or offered as services by Kaiser Permanente.

For a list of covered benefits, please refer to your Evidence of Coverage or Summary Plan Description. For recommended treatments, please consult with your health care provider.

We are unable to switch you to this area of care. Understanding Health Insurance. Skip Navigation. Topic Overview What is health insurance? How can you get health insurance? Types of Health Insurance Private insurance Private health insurance is often offered through employers or other organizations.

There are different kinds of managed care plans: Health maintenance organizations HMOs. These plans usually pay only for medical care within their network of health care providers. HMOs generally cost less than plans that offer a greater choice of providers. Preferred provider organizations PPOs. These plans cover more of your medical costs if you get care within the network of care providers.

But they still pay some costs for care outside of the network. Point of service. These plans offer more flexibility in choosing doctors and hospitals. Public government insurance Medicaid Medicaid is a state-run, government insurance program that helps some people with lower incomes pay for medical care.

Medicare Medicare is health insurance provided by the government for people age 65 or older. Medicare has four parts: Part A hospital insurance helps cover care in certain medical facilities, such as hospitals or nursing facilities.

Part B medical insurance helps pay for doctors and certain outpatient care. It covers some services not covered by part A, like some home health care and some physical therapy. Part D helps to cover some prescription medicine costs. People with limited incomes may qualify for extra help with prescription drug costs. Choosing a Plan When you are choosing a health insurance plan, carefully consider the plan's rules and policies. It may be helpful to know these terms: Coinsurance: The amount you have to pay for a medical expense after you meet your deductible Co-pay: A set fee you pay each time you receive certain types of medical care Deductible: A set amount that you will pay for your health care each year before your insurer helps you pay the costs.

Some insurers, though, may help you pay for certain services—such as a wellness checkup—whether you've reached your deductible or not. Denial of claim: When an insurance plan refuses to pay for a certain health care service Exclusions, limitations, or noncovered: Medical services that aren't covered by the insurance plan Flexible spending account: An account where you can use pre-tax dollars to pay for specific services not covered by your insurance plan, such as co-pays and dependent care Formulary: A list of medicines that your insurance plan will cover or help you pay for Health savings account: An account a person or employer sets up to save money for health care costs Out-of-network: Health care services received outside of an insurance plan's network of providers.

Services received out-of-network often cost more than services received in-network. Pre-existing condition: A health problem you already have when you apply for health insurance Premium: The amount you pay to have a health insurance plan It's a good idea to contact your doctor's office to find out which health plans are accepted and how the payments work.

Coverage for medicines Find out how your insurance covers medicine costs. Group 1: Generic drugs. These are usually drugs that have been in use for a long time, have proven benefits, and cost less to make and sell.

You pay the least for drugs in this group. Group 2: Brand-name drugs that are on the formulary. Your health plan may have agreements with some drug companies to offer their brand-name drugs at a lower cost. You still pay more for the "formulary" brand-name drug than for the generic, but it costs less than brand-name drugs that aren't on the formulary.

Group 3: Brand-name drugs that are not on the formulary. These drugs cost more because your health plan doesn't have an agreement with the drug company to reduce the price.

When the health plan pays more, so do you. Online help You can learn about the Affordable Care Act and how to get health insurance at www. Questions to ask When you are choosing a health insurance plan, think about questions you want to ask. For example: What benefits and services are covered?

What plan does your doctor accept? Which doctors are available in the plan? Does the plan offer coverage for foreign travel? And remember that when it comes to your health and peace of mind, the cost is always worth it. Thankfully, Health for California offers affordable Kaiser Permanente health insurance plans so you can get the coverage you need at a price that works for you.

Here are our four main health insurance plans:. Request a quote for Kaiser health insurance today or contact us for more information on how we can help you achieve your health care goals.

Not sure how Obamacare affects your health care plans in California? Learn how the ACA works in California, including benefits, costs and enrollment. Learn about the Covered California website.

Find easy online enrollment. Set up your account, log in, buy insurance and more on the California health marketplace website. Lowest Prices. Simple Process. Get a Quote Find Plans Learn.

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