TABLE OF CONTENTS

Is Kaiser Permanente a Good Health Insurance Provider?

What we like about Kaiser Permanente health insurance plans:

  • A wide range of plans offered
  • Large provider network
  • Extensive covered services

The drawbacks of Kaiser Permanente health insurance plans:

  • Plans are only available in eight states and Washington, D.C.
  • All plans are health maintenance organizations (HMOs) with limited flexibility

What Do Kaiser Permanente Health Insurance Plans Cover?

Kaiser Permanente offers a variety of health insurance plans that may meet your health needs and budget.

  • Charitable health coverage
  • Employer-based coverage
  • Individual and family plans
  • Medicaid
  • Medicare

Kaiser Permanente Health Insurance Plan Options

Kaiser offers HMO plans in all four metal tiers, with monthly premiums ranging from $395.53 to $642.94. Your plan may be more affordable if you qualify for an income-based federal subsidy. Top-tier plans don’t have annual deductibles. The lowest tiered plans have deductibles equal to the annual out-of-pocket limit. All plans provide free preventive care.

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Compare some of Kaiser Permanente’s top health insurance plan options:

Kaiser Permanente Health Insurance Plan Options
Plan name Monthly premium Annual deductible Office visits Telehealth Emergency room Annual maximum out-of-pocket cost
Kaiser Permanente – Bronze

60 HMO 8200/0%

 $395.53 Individual: $8,200

Family: $16,400

 Preventive care: $0

Outpatient services: $0 after deductible

 Not listed $0 after deductible Individual: $8,200

Family: $16,400
Kaiser Permanente – Bronze

60 HDHP HMO

 $408.24 Individual: $7,000

Family: $14,000

 Preventive care: $0

Outpatient services: $0 after deductible

 Not listed $0 after deductible Individual: $7,000

Family: $14,000
Kaiser Permanente – Silver

70 HMO 2500/45

 $468.63 Individual: $2,500

Family: $5,000

 Preventive care: $0

Outpatient services: $45 primary care office visit, $75 specialty care office visit

 Not listed $350 after deductible Individual: $8,200

Family: $16,400
Kaiser Permanente – Gold

80 HMO

 $598.25 $0 Preventive care: $0

Outpatient services: $35 primary care office visit, $65 specialty care office visit

 Not listed $350 Individual: $8,200

Family: $16,400
Kaiser Permanente – Platinum

90 HMO

 $642.94 $0 Preventive care: $0

Outpatient services: $15 primary care office visit, $30 specialty care office visit

 Not listed $150 Individual: $4,500

Family: $9,000

*Based on pricing for a 35-year-old female in San Francisco.

How Is Kaiser Permanente Rated?

Trusted ratings and reviews can help you understand how an insurer’s plans stack up against the competition. See our Kaiser Permanente review.

Overall rating: 4.6
Financial strength rating: 5
 Customer satisfaction rating: 4.5
 Value rating: 4.8
 Coverage rating: 4

Financial strength: 5/5

A health insurance company’s financial stability influences how quickly and easily claims are settled. This metric measures annual revenue, claims payouts, and security of investments. The rating is based on A.M. Best’s A+ rating for Kaiser Permanente.

Customer satisfaction: 4.5/5

Kaiser Permanente’s customer satisfaction rating is based on ratings from three third-party consumer agencies: the Better Business Bureau (BBB), National Committee for Quality Assurance (NCQA), and Consumer Affairs. Researching customers’ experience with the company can help you determine whether it offers the level of support and customer service you expect.

The BBB gives Kaiser Permanente an A rating. The company has closed just seven complaints in the past three years, all related to billing issues or problems with coverage.

NCQA reflects very high customer satisfaction ratings for Kaiser Permanente. All reviewed plans are rated as high-performing. Most plans rate moderately in consumer satisfaction and strongly in prevention and treatment.

Kaiser Permanente is given 4 out of 5 stars on Consumer Affairs. This review is based on approximately 2,100 reviews, the majority of which were 4 and 5 stars.

Value: 4.8/5

The value rating measures how much you get for your money with Kaiser Permanente’s plans vs. plans from other insurance providers. This rating is based on monthly premiums, your cost-sharing responsibilities, deductibles, and your annual out-of-pocket limit.

Coverage: 4/5

Kaiser Permanente’s coverage rating provides insight into how easy it is to get care using a Kaiser plan. It measures how many doctors, specialists, and hospitals accept your plan, the types of plans available, and the availability of coverage.

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Tammy Burns
Insurance and health care consultant

Tammy Burns is an experienced health insurance advisor. She earned her nursing degree in 1990 from Jacksonville State University, obtained her insurance billing and coding certification in 1995, and holds a health and life insurance license in Alabama, Georgia, Iowa, Mississippi, and Tennessee. Burns is Affordable Care Act (ACA)-certified for health insurance and other ancillary, life, and annuity products. She maintains an active nursing license and practices private-duty nursing.

Burns’ background as a nurse, insurance biller and coder, and insurance consultant includes infectious disease, oncology, gynecology, phlebotomy, post operative, family medicine, geriatrics, home health, hospice, human resources, management, billing, coding, claims, fixed annuities, group and individual health and life products, and Medicare. She’s always been driven by a desire to help people, spending more than 25 years as a practicing nurse in hospitals, private doctors’ offices, home health, and hospice. As a nurse, Burns supported patients filing insurance claims with Medicare, Medicaid, and private insurance companies as well as responding to billing questions from confused patients.

Seeing firsthand how unsuspecting patients are frequently confused by an overly complex system they don’t understand led Burns to become an insurance agent and health care consultant, now helping people understand the medical system. Since becoming an insurance agent in 2013, she has worked with some of the largest and most reputable insurance carriers and agencies in the nation, and she has built a large and loyal clientele by way of her commitment to transparency and personalized service.

author-img
Tammy Burns
Insurance and health care consultant

Tammy Burns is an experienced health insurance advisor. She earned her nursing degree in 1990 from Jacksonville State University, obtained her insurance billing and coding certification in 1995, and holds a health and life insurance license in Alabama, Georgia, Iowa, Mississippi, and Tennessee. Burns is Affordable Care Act (ACA)-certified for health insurance and other ancillary, life, and annuity products. She maintains an active nursing license and practices private-duty nursing.

Burns’ background as a nurse, insurance biller and coder, and insurance consultant includes infectious disease, oncology, gynecology, phlebotomy, post operative, family medicine, geriatrics, home health, hospice, human resources, management, billing, coding, claims, fixed annuities, group and individual health and life products, and Medicare. She’s always been driven by a desire to help people, spending more than 25 years as a practicing nurse in hospitals, private doctors’ offices, home health, and hospice. As a nurse, Burns supported patients filing insurance claims with Medicare, Medicaid, and private insurance companies as well as responding to billing questions from confused patients.

Seeing firsthand how unsuspecting patients are frequently confused by an overly complex system they don’t understand led Burns to become an insurance agent and health care consultant, now helping people understand the medical system. Since becoming an insurance agent in 2013, she has worked with some of the largest and most reputable insurance carriers and agencies in the nation, and she has built a large and loyal clientele by way of her commitment to transparency and personalized service.

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