Kaiser Permanente Medical
Kaiser plans are only available to those who live in the Kaiser service area in California. You must use Kaiser physicians and facilities if you choose one of these plans. Ursus, Inc. pays 50% of the cost of employee-only coverage.
California Only:
- Kaiser HMO 250 SBC
- Kaiser HMO 250 Benefit Summary
- Kaiser HMO 2500 SBC
- Kaiser HMO 2500 Benefit Summary
- Kaiser HMO HDHP 5500 SBC
- Kaiser HMO HDHP 5500 Benefit Summary
- Healthy Resources - Special rates for members for health classes, healthy lifestyle programs, and other online wellness tools.
- ChooseHealthy - discount to fitness club membership and other health and wellness products and services like chiropractic care, acupuncture, massage therapy and more
- Wellness Coaching - Wellness coaching can get you started on a healthy path — and give you tools, resources, and encouragement to help you see it through.
- What’s Next After Enrollment
- our benefits will run from 11/1 – 12/31 following year, you will not be able to make changes unless you have a qualifying event. ID cards will be mailed out 7 to 10 business days after enrollment has been finalized with carrier(s).
- Carrier Contact
- Kaiser 800-464-4000 www.kp.org
- Lost ID Card? - Request ID Card Replacement
| Deductible - The amount you must pay for medical services, before the plan pays a benefit. Preventative care is always covered at 100% with no deductible required. Coinsurance - This is the percentage of the cost you pay for certain services after the deductible has been met. You can think of this as “cost sharing”. For example, once your deductible has been met you could pay 20% for the cost of certain services and the plan could pay 80%. Copay - The flat fee paid by the member when a medical service is received, i.e. $20 for a doctor's visit or $20 for a prescription. In Network Provider - An in-network provider is a hospital, doctor, medical group, and/or other healthcare provider contracted to provide services to insurance company customers for a discounted fee. Using these providers will lessen your medical expenses when using your benefits. Out of Network Provider - An out of network provider is a hospital, doctor, medical group, or other healthcare provider who are not contracted to provide services to insurance company customers. Because the fees are not negotiated in advance with the insurance company, the provider can charge the member as much as they wish. Out of Pocket Maximum - The maximum amount a member would have to pay out of their pocket for medical expenses for the year, with the exception of benefit premiums (which come out of your paycheck). Your out-of-pocket maximum includes your deductible, any coinsurance paid and all co-payments (medical and prescription drug). |