Ken
Colorado,#2Consumer Comment
Fri, March 15, 2013
Does Kaiser have a lower deductible plan for a higher premium?
I know it's frustrating, but you kind of get what you pay for.
No, I don't work for them and hate the high cost of health care, but my original question was, are they following the terms of the agreement with you?
If so, there is NO Ripoff here by them. Just wait until Obamacare kicks in, things will REALLY get out of hand.
Anne
Rockville,#3General Comment
Fri, March 15, 2013
I also have a high deductible plan and believe every word of the upset consumer. Had two skin cancers ( not bad) removed and it took 7 months to get it done and was forced to use a out of system doctor that only serviced Kaiser patients and whose charges were crazed in the $8,000.00 range. KP doctors ideas of a breast exam is to tap your breast twice. If you cancel an appointment it takes two months to get another one. There is a lot more to it. They run you around and their customer care never is able to help you out. Hanging up on you is normal practice.
My face is disfigured now NOT where the little skin cancer was but 2- 3 inches away from the site where the doctor went crazy in cutting and tying. Right now am trying to get a referral to a specialist and it has taken over a week or more. Kaiser stalls and bills and then bills some more. Had a eye exam I never needed and then the doctor called me and asked me to drop by.
Since I have 20/25 vision I could not figure out why and he said just a drop by follow up. I went as a favor almost and they billed another $120.00 and I did not even have an eye test. I complained to the doctor and he told me to contact Customer Care who told me to write to Their corporate office. I have written to them before and never heard back from them. It is awful. They stall you out bill- bill -bill. The worst. I have a $4,500 deductible and they are bound to get it all again and string out treatment again so you pay that deductible again and again.
Mike
San Bermardino, CA,#4Consumer Comment
Sat, August 18, 2012
Actually, Ken, you don't know what you're talking about. The total premiums for Kaiser's deductible plan is currently $7,372.32 annually. Plus you are responsible for the first $2,000 of deductibles per person and $4,000 of out-of-pocket costs per person. Nothing is covered until you've paid all premiums, all deductibles and all out of pocket costs. What you get for your $13,372.32 is a yearly physical valued at $112.00 and a 30% discount on covered tests and exams. If you need an MRI you're screwed because it's not covered at all so you'll pay full price no matter if you've paid all your premiums, deductibles and out-of-pocket costs or not. I was at the neurologist today I have Multiple Sclerosis. I was told before they could give me medication for the MS I would need an MRI. My cost for the MRI will be $850.00. That is on top of the $13,372.32 in yearly fees. The neurologist told me quite frankly that without the MRI I will not receive medication. And this is after I supplied them with 17 years of MRI results and related exam results from 3 separate neurologists. Kaiser couldn't care less if I receive no treatment for MS as long as they keep getting their $13,372.32 yearly fee and only have to provide a $112.00 physical exam once a year in exchange. The human resources department at my company are fools for contracting with Kaiser. But they don't care as all costs are paid by the employees with not a penny contributed by the company. So. Ken, wherever you're getting your health insurance for $1,200 a year, please pass that information along because a lot of us could sure use that information.
Ken
Greeley,#5Consumer Suggestion
Tue, September 06, 2011
Oh, wait, you didn't bother to read that pesky multi-page thing, did you?
If you paid $12,000 a year, it would seem your coverage would be very good, but I'm thinking maybe you made a typo and paid $1,200/year.
In ANY case, you need to familiarize yourself with the policy's terms or you'll be forever at odds with Kaiser and generating anxiety (your own doing, not theirs).
According to you, Kaiser Permanente is one HUGE scam and Ripoff company. They must be part of some huge conspiracy against you, personally.