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Copayment Plan vs. Deductible Plan

The original benefit rich plans that Kaiser has provided over the years are what has made them so popular. If you want to be able to visit the doctor regularly, a plan with no deductible and fixed copayments for office visits is what you prefer, and you are willing to pay a higher monthly rate for a plan that offers broad coverage and predictable out-of-pocket costs, the $30 copayment plan is what you want.
However, if you want to have a lower premium and don't mind self insuring the small things while saving money tax-free to cover your medical care, Kaiser has affordable HSA qualified plans available. The 100% plan is the most popular. Compare both Kaiser HSA options here.

Beginning with July 1, 2006 effective dates, the $20 Copayment Plan will no longer be offered in Colorado.  In addition, health plan premiums for members currently enrolled in the $20 Copayment Plan will increase 10 percent. Kaiser will not process applications requesting the $20 Copayment Policy postmarked after May 22, 2006.

Kaiser Permanente HSA qualified (100%) vs. Copayment Plan Comparison

		$2,000 Deductible w/HSA option (100%)	$30 Copayment Plan
Deductible	Individual	$2,000	No annual deductible
	Family	$4,000
Out-of-Pocket Maximum	Individual	$2,000	$3,000
	Family	$4,000	$7,500
Preventive Services		no charge	no charge
Office Visit		Fully covered after meeting deductible	$30 per primary care visit
Diagnostic Labs and X-rays		Fully covered after meeting deductible	no charge
Hospital Care		Fully covered after meeting deductible	20% coinsurance per admission
Emergency Services		Fully covered after meeting deductible	$150 per visit
Prescription Drugs		Fully covered after meeting deductible	not covered
Lifetime Maximum Coverage		Unlimited lifetime coverage	Unlimited lifetime coverage

Deductible Plans

A Kaiser deductible plan is for somebody who wants the lowest monthly rates and a fixed copayment for office visits, willing to pay a deductible for services when you actually need them and won't miss benefits like prescription drugs and eye exam coverage and isn't interested in a health savings account (HSA).

Deductible Plan Comparison

	$2,000 Deductible Plan (70%)	$5,000 Deductible Plan (70%)
Annual Deductible	$2,000/Individual or $6,000/Family	$5,000/Individual or $15,000/Family
Out-of-Pocket Maximum	$5,000/Individual or $10,000/Family - excludes deductible and copayments	$5,000/Individual or $10,000/Family - excludes deductibles and copayments
Preventive Services	not subject to deductible - no charge	not subject to deductible - no charge
Office Visit	not subject to deductible - $30 per primary care visit	not subject to deductible - $30 per primary care visit
Diagnostic Labs	not subject to deductible - no charge X-rays, including therapeutic: 30% coinsurance	not subject to deductible - no charge X-rays, including therapeutic: 30% coinsurance
Hospital Care	30% coinsurance per admission	30% coinsurance per admission
Emergency Services	30% coinsurance per visit	30% coinsurance per visit
Prescription Drugs	not covered	not covered

 

HSA-Qualified Plans

If you want a plan with a low monthly rate that lets you control you costs through a tax-free health savings account, you are in good health and prefer to pay for services as you need them. If you want free preventive services to stay healthy and identify potential health problems early, a Kaiser Permanente HSA qualified high deductible health plan is for you. Compare the two options below.

Kaiser Permanente of Colorado HSA Qualified Plan Comparison

	$2,000 Deductible Plan with HSA Option (80%)	$2,000 Deductible Plan with HSA Option (100%)
Annual Deductible	$2,000/Individual or $4,000/Family	$2,000/Individual or $4,000/Family
Out-of-pocket maximum	$2,000/Individual or $4,000/Family - includes deductible and coinsurance	$2,000/Individual or $4,000/Family - includes deductible
Preventive Services	not subject to deductible - no charge	not subject to deductible - no charge
Office Visit	20% coinsurance per primary care visit	no charge
Diagnostic Labs	20% coinsurance - X-rays, including therapeutic: 20% coinsurance	no charge - X-rays, including therapeutic: no charge
Hospital Care	20% coinsurance per admission	no charge
Emergency Services	20% coinsurance per visit	no charge
Prescription Drugs	not covered	no charge

More detailed Kaiser Permanente plan information can be seen by downloading a Brochure. You can compare the rates of Kaiser Permanente plans to other plans in Colorado using our instant quotes, or get quotes from the Kaiser Permanente website.

Application Options

Applications can be done by downloading a Paper Application and faxing or mailing it to us at the fax number or address in the instructions. Or, Kaiser has created an user friendly Online Application that speeds up the underwriting process considerably.

**Any descriptions of coverage on this page may not be current and should not be taken as a description of coverage. Any persons seeking to get a full description of coverage should view Colorado plan description forms and/or brochures for the plan they are interested in.