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Kaiser Permanente Compare Plans CA 2011 KPIF

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Kaiser Permanente Compare Plans CA 2011 KPIF Powered By Docstoc
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                              Kaiser Permanente Plans for Individuals and Families

Plan                                        $50                     $25                  $500                  $1,000                  $1,500               $0/$1,500                   $0/$2,700                    $30/$2,700
                                         Copayment               Copayment             Deductible             Deductible              Deductible        Deductible with HSA         Deductible with HSA           Deductible with HSA

Short Description                  Moderate monthly        Higher monthly         Higher monthly         Moderate monthly        Lower monthly         Lowest calendar-year       No charge for most            Lowest monthly premium
                                   rate, Predictable       rate, Predictable      rate, Moderate         rate, Moderate          rate, Higher          deductible of any of our   services after satisfying     of any of our
                                   out-of-pocket costs     out-of-pocket costs    out-of-pocket costs    out-of-pocket costs     out-of-pocket costs   HSA-qualified plans         the deductible                HSA-qualified plans


Annual Out-of-Pocket Maximum
individual/family                  $3,500/$7,000           $2,500/$5,000          $2,500/$5,000          $3,000/$6,000           $3,500/$7,000         $1,500/$3,000              $2,700/$5,450                 $5,250/$10, 500


Medical Calendar-Year Deductible
individual/family                  No medical              No medical             $500/$1,000            $1,000/$2,000           $1,500/$3,000         $1,500/$3,000              $2,700/$5,450                 $2,700/$5,450
                                   deductible              deductible
Preventive Care Office Visit        $50 per visit           $25 per visit          $20 per visit          $25 per visit           $30 per visit         no charge per visit        no charge per visit           $30 per visit
Nonpreventive Office Visit          $50 per visit           $25 per visit          $20 per visit          $25 per visit           $30 per visit         no charge per visit        no charge per visit           $30 per visit
                                                                                                                                                       after deductible           after deductible              after deductible
Most Lab and X-rays
(per encounter)                    $10                     $10                    $10 after              $10 after               $10 after             no charge                  no charge                     $10 after
                                                                                   deductible            deductible              deductible            after deductible           after deductible              after deductible
Hospital Care
(per day)                          $500 per day            $200 per day           $100 per day           $250 per day            $500 per day          no charge                  no charge                     30% coinsurance
                                                                                  after deductible       after deductible        after deductible      after deductible           after deductible              after deductible
Emergency Services
(per visit)                        $150 per visit          $100 per visit         $100 per visit         $100 per visit          $150 per visit        no charge                  no charge                     30% coinsurance
                                                                                  after deductible       after deductible        after deductible      after deductible           after deductible              after deductible
Prescription Drugs
Generic                            Not Covered             $10 generic            $10 generic            $10 generic             $10 generic           no charge                  no charge                     Not Covered
Brand                                                      $35 brand              $35 brand              $35 brand               $35 brand             after deductible           after deductible



                                   I want to be able to visit my doctor           I want lower monthly rates and a fixed copayment for preventive       I want a plan with a lower monthly rate that lets me control my costs through
Long Description                   regularly, so a plan with no deductible and    care ser vices. I’m willing to have a deductible and pay for most    a tax-advantaged health savings account. I prefer to have a deductible and
                                   fixed copayments for office visits is best for   services when I actually need them.                                  pay for ser vices as I need them. I want access to routine preventive ser vices
                                   me. I’m willing to pay a higher monthly                                                                             that only require a copay to help me stay healthy and identify potential
   = Most Popular Plans            rate for a plan that of fers broad coverage                                                                         health issues early.
                                   and predictable out-of-pocket costs.

				
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