Kaiser Foundation Health Insurance With Heart
The Henry J. Kaiser Family Foundation has been focused on researching and providing adequate health care since World War II. The Kaiser Family Foundation is the research side of the organization, while Kaiser Permanente is the insurance provider of the Kaiser Family Foundation.
The Kaiser Foundation health plans are best known as an HMO. The Kaiser Foundation Health Plan HMO is the largest HMO program in the country. Unlike other insurance providers, the Kaiser Foundation is a non-profit organization. Being an insurance provider that is not driven by profit allows the Kaiser Foundation to explore insurance alternatives that work best for both the provider and the customer. Kaiser Foundation Health Plan HMOs have very low out of pocket maximums, $2,000 for individuals and $4,500 for families. Copays for routine visits to Kaiser Foundation physicians will be in the range of $15 to $25.
Far from providing only HMO services, the Kaiser Foundation also offers POS and PPO services. Deductibles for the Kaiser Foundation Health Plan POS and the Kaiser Foundation Health Plan PPO are considerably less than other providers. For services within the Kaiser Foundation network deductibles will be anywhere from $300 to $900. Even services outside the Kaiser Foundation network have lower deductibles. The maximum deductible for services outside the Kaiser Foundation network is $1,200. However, the lifetime maximums for the Kaiser Foundation Health Plan POS and the Kaiser Foundation Health Plan PPO are also quite low, being only one million dollars. Most other plans have lifetime maximums of at least this amount.
The Kaiser Foundation along with the Henry J. Kaiser Family Foundation is dedicated
to medical research and improving the lives of people everywhere. The origin of
the Kaiser Foundation was in the activities of two different industrial unions.
This is a humble beginning for an insurance provider like the Kaiser Foundation.
Since that time the Kaiser Foundation and the Kaiser Family Foundation have strived
to provide adequate health insurance and research services. With a track record
going back nearly 70 years, the Kaiser Foundation is a very stable organization
dedicated to providing affordable health insurance options. Unfortunately, because
the Kaiser Foundation insurance plans are so affordable, they do not maintain high
dollar amounts in lifetime coverage.