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Composed of Kaiser Foundation Health Plans (nonprofit, public-benefit
corporations), Kaiser Foundation Hospitals (a nonprofit, public-benefit
corporation), and the Permanente Medical Groups (for-profit professional
organizations), Kaiser Permanente is the largest nonprofit health
plan in the United States. Established in 1945, it is a nonprofit,
group-practice health plan having headquarters in Oakland, California.
The company caters to the health care needs of over eight million
members in nine states and the District of Columbia. Kaiser Permanente's
provider network includes: California, Colorado, Georgia, Maryland,
Virginia, Washington D.C., Ohio, Oregon, and Hawaii.
As a nonprofit health plan, Kaiser Permanente focuses more on the
needs of its members than that of its shareholders. The company
is also involved in several community activities that providing
help to the uninsured and special populations, training new health
professionals, introducing new delivery methods into the health
care field and
developing and sharing better ways of caring for patients.
Kaiser Permanente offers a wide range of health plans for individuals
and families, groups, and employers.
As far as individuals and families are concerned, the company offers
a number of plans with a variety of deductibles or co-payments including:
$1,500 Deductible Plan, $250 Deductible Plan, $50 Copay Plan, and
$25 Copay Plan. The $25 Copay Plan offers no medical calendar year
deductible, no lifetime benefit maximum, and professional services
such as routine and urgent care appointments for $25 per visit.
It fully covers outpatient services such as immunizations as well
as group health education visits. With the $25 co-pay Plan, members
are required to pay low fees for outpatient services, hospitalization,
emergency services, mental health, chemical dependency, home health,
and prescription drugs.
The company offers an excellent Dental Assurance Plan as a supplement
to existing health coverage of its members. The plan offers $1,000
maximum per calendar year towards each covered enrollee, low co-payments
and annual deductibles. The plan covers among other services restorations,
dentures, orthodontic services, oral exams and preventative services.
Kaiser Permanente's $1,500 Deductible Plan for Individuals has
an annual out-of-pocket maximum of $3,500 and a medical calendar
year deductible amounting $1,500. Professional services such as
routine and urgent care appointments are more or less $30 per visit.
Outpatient services such as immunizations are available free of
cost, as are group health education visits. Members are also required
to pay low fees for outpatient services, hospitalization, emergency
services, mental health, chemical dependency, home health services,
and prescription drugs.
Its health and wellness programs help members find their unique
path to healthy living.
Through Kaiser Permanente’s complementary health programs,
members get discounts and preferred rates on services and health
products. You can also join its online healthy lifestyle programs
to create customized action plans that help you meet your personal
health goals. These personalized programs will help you lose weight,
eat well, manage stress, and quit smoking for once and all. The
company’s preventive care includes regular health exams and
screenings, such as eye exams and mammograms, to help detect health
problems before they become serious, and immunizations that help
Its health and drug encyclopedias will bring important health information
at your fingertips.