If going back to school includes getting heath insurance for your child, then, consider Kaiser Permanente’s many different options. You can find a fit that’s right for your pocketbook, and your child’s needs.
Young children tend to need low-ticket medical services more than major medical services. Often, this involves doctor visits, prescriptions, and immunizations. If you want a basic plan that covers at least these services right up front, consider one of the “HMO” Deductible plans. Most of the HMO Deductible plans allow for doctor visits, prescriptions, and immunizations without these services being subject to the deductible. If you want a more comprehensive plan for more peace of mind, then, check out the “Copayment” options. These plans don’t carry a deductible, so covered services are discounted right at the beginning.
At this age, the most frequently needed medical services tend to be doctor visits and prescriptions. Consider an HMO Deductible plan. If the child is in sports, it may be good to go with a Copayment plan, or an HMO Deductible plan with a lower deductible.
For those looking for college-age student health insurance, doctor visits and prescription drugs may not be as crucial as when they were younger. Instead, having a good major medical plan may make more sense. An HSA or HMO Deductible plan may be the best fit. An HSA option gives you the bonus feature of being able to open an HSA bank account. The HSA bank account is optional. Your child can use it to pay for their out-of-pocket expenses. The advantage of an HMO Deductible plan is that under most HMO Deductible plans, doctor visits and prescriptions are covered without a deductible.
Copayment plans cost the highest premium, but if your child tends to need lab work, emergency visits, or other high-end services, this option will save you money in the long run. HSA Deductible plans tend to have the lowest premium, but high deductible amounts. If your child is rarely at the doctors, this may be a win-win situation. HMO Deductible plans are a good middle-of-the-road option. Premiums are lower than Copayment plans, but you still get the most frequently needed services of doctor visits and prescriptions without a deductible.
As your child begins a new school year, consider how Kaiser Permanente can support you and your family with their medical service needs.
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