Kaiser Permanente Insurance Review

Looking for Kaiser Permanente car insurance? This Kaiser Permanente insurance review will not be reviewing a car insurance company, but the health insurance company Kaiser Permanente. Kaiser Permanente offers health insurance to both individuals and businesses.

They have both health insurance products and hospitals across the country, operating under “Kaiser Permanente.” Especially in areas like Northern California and Hawaii, Kaiser offers some of the most affordable health coverage.

If you’re looking for auto insurance, enter your ZIP code above and start comparison shopping today for affordable car insurance rates before diving into this Kaiser Permanente insurance review.

What Should You Expect from Kaiser Foundation Health Plans?

Kaiser is available in all 50 states. Kaiser Permanente hospitals are not necessarily available in all. The health plans through Kaiser Permanente cover a wide variety of coverage plans and deductibles to meet your needs and budget.

As a member of Kaiser Permanente, you have access to many available discounts. One company you can save money with is Weight Watchers, as Kaiser members receive a discount on membership fees.

Kaiser also offers discounted rates for fitness and complementary health programs. Depending on your location, you can receive reduced rates on memberships at particular:

• Fitness clubs
• Acupuncture
• Chiropractic care
• Massage therapy

As a member of Kaiser Permanente, you can also take part in their 10,000 Steps Program. This program includes wearing a pedometer and keeping track of your progress through the website.

In states with Kaiser Permanente hospitals, one of the main draws is their network. In short, you are required to go to Kaiser hospitals or pay a higher amount for coverage. But when you go to KP facilities, everything is wrapped in. You get billed from one place. Whatever location you go to, you can have your treatment needs met. It’s easy to know what’s in and out of network.

The hard part for some using this health insurance plan is that it’s inflexible. If you don’t like the medical care you receive at a KP hospital, you can switch providers. But you would still need to go to their facility to stay in network. If your concerns are with the hospital in your area, you can’t just go to another hospital and expect the same coverage. This is equally true if you can’t get a timely appointment.

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How Does A Kaiser Health Insurance Plan Rate?

Rating agencies give consumers the chance to see what working with an insurance company might be like before you commit to them. The Insurance Information Institue suggests comparing multiple rating agencies, especially when looking into a company’s finances.

Let’s take a brief look at how the company holds up in the health insurance world.

The NAIC Complaint Index and the Better Business Bureau rates companies based on their customer service and experience. Kaiser Permanente is not BBB certified. Their D+ rating is not very good. Most negative reviews are about billing issues, or products and services.

Their NAIC Complaint Index rating of 1.52 is higher than the national average of one and means consumer interactions with this company are often negative.

Moody’s Rating scale and S&P Global Rating give consumers a look into how a company is doing financially. With insurance, you want to know with certainty that your insurance company is financially stable enough to pay your claims.

Kaiser Permanente’s rating of Aa1 is the second-highest rating Moody’s gives out. The company is therefore financially reliable and should be able to provide for their consumers even in the event of an economic downturn. Their S&P rating of AA- is an equally positive sign.

What is Kaiser Permanente Insurance’s position for the future?

Recently, Kaiser Permanente released their 2018 Annual Report on its website, which goes into detail about how they performed financially that year and also provides deeper insight into the scope of their company.

Take a look at their financial information in the table below.

Kaiser Permanente proved itself worthy of the high ratings from Moody’s and S&P, their revenue for 2018 was very strong and proves that they are a well-established health insurance company. The scope of their outreach is just as massive as its revenue. Take a look at the details in the table below.

Over twelve million members receive benefits and services from Kaiser Permanente Insurance across the country. Their numbers appear to remain stable year after year, marking their success in the industry.

How is Kaiser Permanente Insurance’s online presence?

Kaiser Permanente has an active online presence. They have many different social media pages, including a Twitter account, a Facebook page, an Instagram account, a Youtube channel, and even a Pinterest account.

They post on a semi-regular basis on most of their social media platforms. They also regularly post articles and blogs on their main website covering everything from recent healthcare news to healthy eating tips.

Does Kaiser Permanente Insurance have commercials?

Kaiser Permanente does have commercials, some air on television while others are mainly posted on the internet. Their most recognizable commercials were narrated by American actress Allison Janney.

Check out one of her commercials in the video below from YessianMusic, the company that created the music for the commercial.

Online, many of their commercials are posted in both English and Spanish. The mood and tone reflect their commitment to educating their clients about healthy choices.

Is Kaiser Permanente Insurance involved in the community?

On their website, Kaser Permanente Insurance has a Community Health page that details the ways they stay involved with the communities they work in. They’re often involved with gathering and donating food and supplies to families in need, and they take part in Earth Day and other go-green initiatives.

What do Kaiser Permanente Insurance employees have to say?

On Glassdoor, Kaiser Permanente employees rate working with this company as four out of five stars, a pretty good rating considering there were over six thousand reviews.

Seventy-seven percent of employees approve of the CEO, and seventy-six percent would recommend working at Kaiser to a friend. The company appears to treat their employees well, which makes for a happy and comfortable working environment.

Design of Kaiser Permanente Insurance Website

Kaiser Permanente’s website is well designed and easy to navigate. They offer a lot of details for clients and visitors alike, including blog posts and articles about health and safety tips.

It is easy to find answers to your questions on the Kaiser Permanente website. There are no broken links and the information provided is all up to date.

How easy is it to navigate the Kaiser Permanente Insurance website?

Navigating the website is very simple. If you scroll down on the home page, you clearly see where to go to receive a health insurance quote. See our screenshot of the webpage below.

After clicking on Learn More, you are taken to a page that allows you to fill out a form to receive your quote, a tab with more information about all of the services they provide, and an application.

Take a look at the screenshot below.

They make it very simple for prospective clients to apply for a quote. They also clearly label where members can log in to their accounts to access their personal information. Overall, their website is very well designed and executed.

Kaiser Permanente Insurance History

Kaiser Permanente started in the late 1930s, during the Great Depression. They provided health care services to construction, shipyard, and steel mill workers. In 1945 they expanded to include public enrollment.

Check out a brief video about the company’s history in the following video from Kaiser Permanente Thrive.

The company now offers personal and commercial health insurance plans and assists with Medicaid and Medicare.

But if you’re hoping to secure some Kaiser car insurance, you’re out of luck, the company does not offer any car insurance policies, they are strictly about healthcare. For cheap car insurance rates, you’ll have to check out our other articles.

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Kaiser Permanente Insurance Review: The Bottom Line

So, is Kaiser a good insurance company? You decide. If you’re in the market for health insurance, they may be worth looking into. While their customer ratings are mostly negative across the board, their employees enjoy working for the company and they have a strong financial foundation to support your health insurance needs.

If you’re still wanting to know, where can I get car insurance quotes now that you’ve finished our Kaiser Permanente insurance review, enter your ZIP code into our FREE tool below to start comparing rates immediately.

Frequently Asked Questions: Kaiser Permanente Insurance Review

You are now an expert on all there is to know about Kaiser Permanente Insurance. Did you think of something we missed? Check out our frequently asked questions below.

#1 – Does Kaiser deny coverage?

Unfortunately, there are times when Kaiser Permanente may deny coverage for a treatment or medication. Ask your health insurance agent for more details about what your individual policy does and does not cover.

#2 – Does Kaiser Permanente cover car accidents?

There is no Kaiser car insurance available through this company, they only provide health insurance services. While they may be able to cover medical costs as a result of a vehicle accident, they should not be confused with a real car insurance policy.

#3 – What states accept Kaiser insurance?

Kaiser insurance provides services in Hawaii, Washington, Oregon, California, Colorado, Maryland, Virginia, Georgia, and Washington D.C. They are one of the largest managed care organizations in America.

#4 – How do I get reimbursed from Kaiser?

On their website, Kaiser Permanente says clients can submit a claim for reimbursement but encourage you to look at your coverage before submitting the claim. They provide a number to call to talk to someone directly about the details of your coverage.

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