California Individual Health Insurance Options
With many options that are available in health care knowing which health plan is right for you might make a big difference in how much you are paying every month and the type of coverage that you ha...
With many options that are available in health care knowing which health plan is right for you might make a big difference in how much you are paying every month and the type of coverage that you have. One of the reputable health insurance carriers in California is Kaiser health insurance. Kaiser Permanente for individuals and families offers fourteen different health plans to fit your needs and your budget. Plans are divided in to three categories, there are copay plans, deductible plans and Health Saving Account (HSA) qualified plans. To know which category might word for you, you have to ask yourself what is more important to you right now. You can pick a rich benefits plan and pay higher monthly premium or pick a deductible plans and save every month. Which even one you decide will help you make a better decision in picking your Kaiser health insurance coverage?
If you would like to have a benefit rich plan then you might want to go with copay plan. There are 3 copay coverages to choose from. You can choose from 25 copay, 40 copay or 50 copay plans. The difference in coverage of these three plans is more than just a copay. Every time you increase your copay from 25 to 40 to 50, you also increasing your copays for outpatient services, your copay for once a year physical exam and emergency room visit copay. Kaiser Permanente copay plans for great for families with young kids. With copay plans you will always have predictable out of pocket expenses.
Deductible plans yet split in to two more categories. There are deductible plans that cover maternity and then there are deductible plans that do not cover maternity. Kaiser Permanente insurance offers four deductible plans that cover maternity. Those plans are 20 copay with 500 deductible plan, 25 copay with 1000 deductible, 30 copay with 1500 deductible and 40 copay with 2000 deductible plans. Then there are two deductible health plans that do not cover maternity. Those two plans are 40 copay with 3000 deductible and 50 copay with 5000 deductible. Deductible plans with maternity are great for someone who is thinking about starting a family. If you are single and not planning on starting a family or having kids then deductible plans with no maternity would be a great option for you.
Then we have out Health Saving Account health plans and they are split up in to two categories, plans that cover maternity and plans that do not cover maternity. Health Saving Account qualified coverage gives you option of saving your money tax free for medical expenses. That means that every dollar that you put in to your Health Savings Account will be tax free. That is not to be confused with your monthly health insurance premiums. Those you still have to pay for your health insurance portion and they go to Kaiser Permanente insurance. Health Saving Account works just like your savings account that you have at your bank it's just used only for medical expenses. Health Savings Account qualifies health insurance plans are great for someone who is young or someone who is healthy and generally does not go to the doctor. If you has health insurance in the past and have not used it or you have not been to the doctor in a long time, then Health Saving Account qualified health insurance is perfect option for you.
Kaiser Permanente insurance offers coverage that can work for everyone no matter what is your situation or your budget. If you qualify for Kaiser Permanente insurance and decide to change it later, you can always do that without any kind of waiting periods. If you are interested in getting a quote and comparing Kaiser Health plans you can always do that online.
Article Tags: Kaiser Health Insurance, Health Saving Account, Kaiser Permanente Insurance, Health Insurance, Kaiser Health, Kaiser Permanente, Health Plans, Copay Plans, Deductible Plans, Health Saving, Saving Account, Cover Maternity, Permanente Insurance, Savings Account
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