WHY A COPAYMENT PLAN? Copayment plans have set costs for care and enable you to know in advance your out-of-pocket costs for prescriptions or visits to the doctor. With our copayment plans, you have a higher monthly premium than with a deductible plan, but you pay a fixed copayment for most services from your first day of coverage.
SINGLE?
Do you rarely need a doctor's advice? Do you want health coverage only for the big things?
WHY A DEDUCTIBLE PLAN? With a deductible plan, your monthly charges are lower, but you're responsible for meeting a deductible before you're eligible to pay copayments or coinsurance for most care. However, you do not have to pay a deductible for some services. These are available for a copayment from your first day of coverage. And preventive care is covered at no charge.
WHY AN HSA-QUALIFIED DEDUCTIBLE PLAN? If you enroll in an HSA-qualified deductible plan and open a health savings account, or HSA, you can save money, on a tax-free basis, for current and future qualified medical expenses.1
When you put money in your HSA, your contributions can be subtracted from your taxable income, your invested funds can grow tax free, and your withdrawals are tax free when used to pay for qualified medical expenses.
Kaiser Permanente offers very affordable health insurance options to families and individuals in the Virginia, Maryland and Washington DC area. Individual Kaiser Permanente Health Plans are essentially all HMO Plans that though some may find restictive as pertaining to physician access, many people have discovered that the plans are rich in benefits and that the physicians in the network are very competent and this has led to the Kaiser Permanete Plans being rated highly.
