Kaiser Permanente health insurance with healthcare Plans-plans for your life.

Kaiser Permanente health insurance is a nonprofit organization providing healthcare services under three different heads, the Kaiser Foundation Health Plan, Kaiser Foundation Hospitals and Permanente Medical Groups. Health insurance comes under Kaiser Foundation Health Plan offering services in nine states as well as District of Columbia. Headquartered at Oakland, California, the group has more than 35 medical centers and 430 medical offices.

The organization currently operates in eight regions of United States. These include Northern California, Southern California, Colorado, Georgia, Hawaii, Mid-Atlantic, Northwest and Ohio. There are two major categories under which health plans are offered, family and company or business. Different states have different plans under practice; this can be checked through their website.

There are four different plans for a family, these include Individual & Families, HIPAA plans, Child Health Plan and Steps Plan. You can check out all the plans after entering basic information such as zip code, date from which the plan must be applicable and number of people to be covered including children along with their date of birth. Once this information has been entered, you will be shown a list of different plans along with monthly rates and other details such as plan name and whether it’s deductible or copayment. The rates provided are just an estimate and actual rates are revealed once you have been approved for the health insurance plan applied for. It is best to read the terms and conditions in this regard.

HIPAA stands for Health Insurance Portability and Accountability Act (1996) and is applicable for people who fulfill certain criteria. These include creditable coverage of 18 months without any breaks for a total coverage of 63 days at a time and your recent healthcare plan must be under a government, company or group plan. Apart from this, you should not have any current healthcare plan and must not be eligible for any government or group plans. You must be very clear about the eligibility criteria before you apply, so it is important that you carefully go through the terms and conditions. However, in case you fully qualify, this is the best option available with the organization, as it provides guaranteed coverage under HIPAA.

The child plan is available for as less as $5 per child for up to three children under the age of 19 years; however, the rates depend on number of children and your income. In case you have more than three children, they are covered under this insurance at no extra premium. The Steps Plan, as the name suggests, is a step-by-step plan towards ensuring help when you need it the most. The plan allows you to pay only 20-80% of the total monthly payment, and increase it subsequently, something like a trial period. You can then convert it into a full-priced plan if you want.

The company or business plan is for employees both in and outside the regions covered by the organization. However, for the region lying outside those covered by Kaiser Permanente health insurance, there must be 1,000 or more employees in that region to qualify for company plans. There are several plans available; these include small and large business plans, multistate or national account plan, university and college plans, retiree plans and even occupational plans specifically targeting people in jobs prone to injuries or illnesses.

You can either go through an health insurance agentcy or apply online. Whether you want health insurance for your company or family, Kaiser Permanente health insurance offers a wide variety of plans to choose from.