Kaiser Permanente of Colorado Health Insurance

Kaiser Colorado Coverage

Kaiser Permanente of Colorado
2500 S. Havana St.
Aurora, CO 80014
http://www.kaiserpermanente.org/

Kaiser Permanente offers HMO Copayment Plans which to not require deductibles for most services, $20 Copayment Plan and $30 Copayment Plan.  Copayments in these Plans range from $20-$40 for office visits.  Hospitalization care is $1,000 per admission under the $20 Copayment Plan and 20% coinsurance per admission in the $30 Copayment Plan.  The $30 Copayment Plan does not cover maternity care.  Both plans have a $3,000 per year out of pocket, or the most money that an individual has to pay before the insurance covers costs 100%.  The out of pocket does not include deductibles.

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Kaiser Permanente offers two Deductible/Coinsurance Plans, one with a $2,000 and the other with a $5,000 deductible.  Maximum out of pocket expenses, not including deductibles, are $2,000 and $5,000 respectively.  Coinsurance on both of these plans is 30%, after deductibles have been met, for most services. Coverage includes hospitalization, physical therapy, and office visits.

HSA Plans offer members the opportunity to save money on their taxes.  Members contribute pre-tax dollars to Health Savings Accounts which they use to pay approved medical expenses. If there is any money, including interest, that is left in the Account at the end of the year, the money is rolled into the next year.  Many people are able to use their HSAs as long term savings plans.  Kaiser Permanente offers two HSA options, HSA Option (100%) and HSA Option (80%).  Each option has a $2,000 deductible for an individual.  After the deductible is met, members of the 100% plan do not have to pay any coinsurance.  Members of the 80% option will have to pay 20% coinsurance.  Services covered include office visits, hospitalization, and physical therapy.

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