Provider Type: Preferred Provider Organization (PPO), Point of Service (POS), and Health Maintenance Organization (HMO)
Positive Points: - Size: Covers the entire state without exception. You can move from one part of the state to another while maintaining the same coverage.
- Freedom of Choice: Large network of providers and many plans cover out of network providers as well. This means you are not confined to a small network of Doctors.
- Price: Many options for inexpensive health insurance. We offer various deductibles and options while keeping low monthly rates.
- Coverage Options: Offers Dental Insurance, Vision Insurance, and Life Insurance packages.
Negative Points:- In Network VS. Out of Network: May be difficult to determine if certain providers are in network or out of network.
- Confusing Coverage: It may be difficult to determine the most you would pay in a major situation.
- Varying Cost of Coverage: Depending on which facility and sometimes which doctor in a facility, you may pay different prices for the same service.
| Provider Type: Health Maintenance Organization (HMO)Positive Points: - Quality of Care: Kaiser Permanente implements new medical techniques and research an average of 1 year after discovery compared with an industry average of 3 years.
- Integrated Health Care: Kaiser Permanente is the insurance company, the hospital, and the doctor's office. Therefore you will receive seamless service.
- Free Preventative Care: Annual Physicals, PAP tests, Mammograms, and many more preventative screenings are free of charge once per year.
- Centralized Services: Most of our facilities are a one stop shop for your needs. This includes a pharmacy, doctor's offices, lab, radiology, and specialists all at one convenient location.
Negative Points:- Limited Network: You are confined to the Kaiser Permanente network of Doctors and Facilities. Therefore you may not be covered if you use an outside physician.
- Monthly Cost: Monthly premium is on the higher side for health insurance plans.
- Coverage Area: Since you are required to use Kaiser Permanente facilities, if you move outside the coverage area, you will no longer be covered.
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