At Kaiser Permanente, they offer you a range of individual plans from which to choose, so you can select a plan that's right for you and your family. Whether you're looking for lower monthly premiums or broad coverage, our online tools will help you find the Kaiser Permanente plan that fits your budget and lifestyle needs. Kaiser Permanente offers a variety of affordable, quality health insurance plans for you and your family.
Please call one of our individual/family plan representatives at 1-800-569-1156 or e-mail us at dennisa@hcisinc.com.
Note: For questions regarding existing accounts, appointments, billing, and locations call 1-800-464-4000.
Initially you will be sent a monthly invoice. If you wish to switch to an automatic payment option, you may do so once you receive your first bill.
Delta Dental can be added to any Kaiser Permanente Individual/Family plan within the first 30 days of your effective date. If you choose not to add this Delta Dental option when you apply, you may add dental coverage to your plan during open enrollment which is at the end of the year. Please call member services at 1-800-464-4000 for further information on how to add Delta Dental to your plan.
Yes, Kaiser Permanente offers supplemental Dental Coverage through Delta Dental of California. You can apply for coverage by selecting this option on your application. If you elect to enroll in the Dental Assistance Insurance Plan, all members of your family who are covered through the subscriber will also be enrolled.
Pregnancy is considered a pre-existing condition. Those applying for individual and family plans while pregnant will be automatically denied. However, for group applicants there is no medical underwriting to pass. Small group applications are issued automatically, thus applicants applying for group coverage will not be denied for pregnancy or pre-existing conditions.
Each applicant's medical history will be reviewed on a case-to-case basis. Medical underwriting determines the approval status. If an applicant receives a denial and feels it is unjust, they may appeal the decision. Each denial will state the reason denied, and give instructions on how to make any appeal if necessary.
No physical exam is required. You will only need to fill out a health questionnaire.
Pricing on individual and group plans vary case by case. Subscribers who are concerned they may be denied for a pre-existing health condition will often opt for group coverage because there is no medical underwriting. However, in the case that you may qualify for either, we recommend you get individual quotes and group quotes and compare the rates and coverage options.
Below are the factors that will cause a subscriber's rates to change:
- Moving to a Zip Code in a different rate area
- When the subscriber moves into a different age bracket
- Annual rate changes in January
Your rates will remain the same through December 31st of this year. However if you move, your rates may change if the location is in a different rate area.
