Amandla Amali kunye noKwaneliseka kwabathengi
Ukulinganiswa kwe-Fitch kunikeze iNkampani ye-inshurensi ye-Kaiser Permanente i-"A +".
Amanqanaba aphantsi kunye namaPhupha amaKaiser kunye nesilinganiselo "A +" kwakhona. UKaiser naye ubala kakuhle kwindawo yenkonzo yabathengi. I-Insure.com inika inkampani i-83.64% yokwaneliseka kwamakhasimende. Ukusetyenziswa kwamabango kwenkampani kubalwa 4.5 kwi-5, ngelixa i-customer service kunye nexabiso lentengo yesibini yanikwa i-4 kwi-5 yokulinganisa. I-JD Power kunye ne-Associates yanikezela uKaiser ngenqanaba eliphezulu lokuneliseka kwamakhasimende kwinshorensi yezempilo kwiminyaka engama-6 elandelelanayo.
Ikomkhulu lakwaKaiser Permanente alinayo imvume kwiBusiness Business Bureau kodwa ine-"A +" yokulinganisa nge-3.68 kwinqanaba eli-5 leenkwenkwezi ngokusekelwe kumaphunga amane kumakhasimende kunye nezikhalazo zamakhasimende ezingama-52. Kwizikhalazo ezingama-52 ezivaliweyo, ezingama-22 zazingxaki ngeemveliso / inkonzo, i-20 yayiyimicimbi yokuhlawula / yokuqokelela kunye kunye ne-10 yayingumcimbi wokuthengisa / wokuthengisa.
Izinketho zeIntshumo yezempilo
NgoKaiser, ungathenga umgaqo-nkqubo we-inshorensi yempilo apho usebenzise inethiwekhi yomncedisi wezempilo kaKaiser.
Izicwangciso zezempilo zikhoyo zibandakanya izicwangciso zeklasi, izicwangciso ezibalulekileyo, izicwangciso ze-HSA kunye nezicwangciso zobuchule.
Isicwangciso seClass
Ngesicwangciso senkonzo yomshuwalense wezempilo kaKaiser, uhlawula i-co-pay for the visit of office. Oku kubandakanya ukutyelelwa kweofisi elingenamkhawulo, iiNkonzo zegumbi loxakeka, ukuhanjelwa kweeyure emva kweeyure kunye neziyobisi eziqhelekileyo; zonke zifumaneke ngexabiso elilodwa lokuhlawula i-co-pay.
Izicwangciso zeklasi zibonelela ngemali eyi-$ 1,500, i-$ 2,500, i-$ 3,500 kunye ne-5,000. Amanani ahlaziyiweyo angahluka ngoRhulumente.
Isicwangciso esibalulekileyo
Isicwangciso se-inshurensi yezempilo esibalulekileyo sinikeza iinketho zokuhlawula ngokubambisana kunye neenkonzo ezigqithisiweyo. Emva kokuba udibene ne-deductible yakho yonyaka, akukho ntlawulo-ntlawulo. I-pay-coa iquka ukutyelela iofisi, iinkonzo zokugulisa izigulane kunye neziyobisi zonyango. Iingxowa-mali ezifumanekayo ngecebo elibalulekileyo zi: $ 1,500, i-$ 3,000, i-$ 5,000 kunye ne-7,500. Njengoko kunye nezicwangciso zeklasi, ixabiso elithintekayo lingahluka ngurhulumente.
Isicwangciso seNzuzo
Isicwangciso senzuzo sikaKaiser sinikela ukutyelela ngogqirha, ukuvakatyelelwa kokuqala kwezimbini, iinkonzo zamagumbi eziphulo-mva, ukutyelela emva kweeyure kunye nezidakamizwa eziqhelekileyo zemali yokuhlawula i-co-pay phambi kokuba udibane nomnyaka ochithwayo. Akukho ntlawulo kwiinkonzo ezifihliweyo emva kokuba udibane ne-deductible ngonyaka. Inani elithengiweyo (lingatshintsha ngurhulumente) li-$ 2,500, i-$ 3,500, i-$ 5,000 kunye ne-7,500.
Isicwangciso sokuSindisa impilo
Zonke izicwangciso ze-inshorensi yezempilo kunye noKaiser zinokukhetha ukongeza iSicwangciso se-Savings Plan (HSA). Le akhawunti yokugcina apho ungalondoloza imali ukufaka isicelo kwiindleko zakho ezichithwayo okanye ezinye iindleko ezinxulumene nempilo. Ukuba uchitha imali ngemali enxulumene nempilo, ayikho irhafu.
Izicwangciso ezifanelekileyo ze-HSA zinokutsalwa kweedola ezingama-5 000 kunye nentsapho echithwe kwi-$ 10,000.
Izibonelelo zoMonde
Kwiwebhsayithi yeKaiser Permanente, abathengi banokufumana izibonelelo zokulawula unyango lwabo lwezempilo. Unokukhangela oogqirha kunye neendawo ukuba ufumane ugqirha kwindawo yakho ekulungeleyo kunye neengcombolo zemfundo yamagqirha, i-credentials and specialties. Kukho u-24/7 Ukusuka kwiNkcazelo yokuTyelela ekhaya, i-951.268.3900 okanye ngokunyamekela ngelixa uhambahamba ngewebhusayithi apho unokujonga khona ukugonywa okanye ufumane umyalelo ogcwalisiweyo ngaphambi kokuba uhambe. Ungakwazi nokufikelela kwizixhobo zokuphila kwi-intanethi kuquka neengcebiso malunga nokuphila okunempilo, i-encyclopedia yezilwanyana, izikhokelo zempilo kunye neziqhagamshelwano kwiinkqubo nakwiiklasi.
Iinkonzo
- Uyakwazi ukufumana isicatshulwa somgaqo-nkqubo we-inshorensi yempilo kwaye usebenzise inthanethi.
- Ukunyaniseka kwabaThengi Ukwaneliseka kumsebenzi wamakhasimende kunye nokuphathwa kwamabango
- Iofisi yegqirha, ibhabhu kunye nekhemisi konke phantsi kophahla olulodwa
Umxhasi
- Abanikazi beepolisi banqunyelwe ukukhetha i-Kaiser Physicians kunye namaziko enyango ngaphandle kokuba kukho imeko engxamisekileyo kwaye awukufuphi nendawo yeKaiser.
- Ubungakanani bufumaneka kuphela kwi-9 kunye neSithili sase-Columbia
Iinkcukacha zoqhagamshelwano nenkampani
Ukuze ufunde kabanzi malunga ne-Kaiser Permanente isicwangciso se-inshorensi yezempilo okanye ukufumana i-quote online, ungavakashela iwebhusayithi ye-Kaiser Permanente yeNkampani ye-inshurensi yezempilo okanye ubize u-1-800-245-3181.