Tag Archives: Kaiser Permanente

Pros and Cons of Kaiser
Kaiser Permanente is one of the staples of our local health providers.

They have recently built a facility in Redlands and continue to provide health services to our community. But bringing up the name Kaiser Permanente can come with some very mixed results. You’ll find people who love Kaiser and feel that they have never experienced better or more organized care. You’ll also find people with vitriol and fury in their descriptions of the healthcare company. This may be because of the unique type of business model that Kaiser holds to, which is different than any other health provider.

Kaiser not only provides health care through doctors, nurses and specialists; they also provide the health insurance to help pay for that care.

Medical health insurance that is purchased through them makes all of their doctors and facilities available to you. However, you will not have access to anyone outside of their care. If it is an emergency situation, they will cover attention that was received at another hospital.

It is this system that makes people have such polarizing opinions on Kaiser.

For many, they experience a system with a lot of ease. All of your medical records are accessible and ready at any time to any doctor that you may see. The costs are usually lower than other health insurance and care providers. They are dedicated to providing your excellent, whole health care. Their website states “Kaiser Permanente was founded on the radically simple idea that everyone deserves the chance to live a healthy life. That’s why you can find high-quality care and coverage in one place.” But on the rare case that you become ill with something that their specialists cannot find an answer to, and if there is another specialist outside of their system who could better treat you, it is not likely that it would be approved.

We hope that this light perusal of Kaiser Permanente has been helpful. If you ever have questions about your health insurance and what it covers, please always feel free to call us at Bernardini and Donovan.

As the next open enrollment period fast approaches, many state insurance exchanges are preparing for the overflow of traffic. Most state insurance exchanges have begun preparing for the second Obamacare enrollment period by adding new carriers. However, Covered California did not follow the trend, rather they chose to decrease in size. Yes, you heard right!

As one of the largest states in America, many were surprised to hear that Covered California only had 13 carriers at the start of the first open enrollment period. This year, Covered California will only have 10 carriers. For any other state, 10 carriers would suffice. Of the 10 Covered California carriers, only 4 of them are major insurers with Kaiser Permanente, Blue Shield of California, Health Net, and Anthem Blue Cross.

As if your freedom of choice was not taken with the implementation of Obamacare in the first place, forcing all Americans to obtain health insurance, you now have even less choice. Many regions throughout California are forced to depend on the only insurance carrier available to them, eliminating choice altogether.

Many insurance experts are fearful of the lack of choice Covered California has provided. Since the lack of varying insurance carriers eliminates competition fears continue to rise about the success of Covered California. One main concern that many insurance experts have brought to everyone’s attention is the insurance carrier’s ability to raise prices for insurance. The purpose of Obamacare is to provide Americans with affordable health care, however, the lack of multiple participating carriers gives contributing carriers the ability to raise prices, because there is a lack of many other health insurance options.

We understand that the various implications surrounding Covered California may have you confused, and that is why we are available to dispel any myths and reveal only the truth. Contact Bernardini & Donovan Insurance Services for all of your California health insurance needs.