Kaiser Permanente Insurance Review

Kaiser Permanente is a health insurance company founded in 1945. Looking for auto insurance? Compare quotes and coverage below to reduce your rates by up to 20%.

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Company Details

Address:

300 Lakeside Drive, 26th Floor

City:
Oakland
State:
California
ZIP Code:
94612
Phone Number:
510-271-2343
Year Founded
1945
AM Best Rating:
N/A
Company Rating 0 (0 reviews)

Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates...

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Written by

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance...

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Reviewed byDaniel Walker
Licensed Insurance Agenthttps://res.cloudinary.com/quotellc/image/upload/insurance-site-images/aiorg-live/d98a9f52-daniel-walker.png

UPDATED: Apr 16, 2020

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Things to Remember...

  • Kaiser Permanente is a health insurance company with roots that go all the way back to the 1930s
  • Kaiser provides claims forms for you on their website to fill out if you need them
  • In order to get a quote from Kaiser, you are going to have to contact an independent agent and request one

A review of Kaiser Permanente finds that it is not an auto insurance company. Instead, Kaiser Permanente is a health insurance company with roots that go all the way back to the 1930s.

Even though the company itself wasn’t technically founded until 1945, Kaiser, which was an industrial company, self-insured their employees under the Kaiser Permanente name earlier than that.

In 1945, the program became open to anybody for enrollment.

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Kaiser Permanente Insurance History

The whole premise of the company started with each employee paying five cents a day for their health insurance.

If someone was ill or injured, they were all required to go to the same facility — their insurance wasn’t accepted anywhere else.

This allowed for the money to be used for great doctors and facilities that benefited the employees.

It was the end of World War II that led to Kaiser opening its enrollment in the insurance company to anybody and not just employees.

The reason for this was simple. During the war, the shipyards were running at full capacity day and night and there were 90,000 employees at all times.

After the war, there were only 13,000 employees left and the system couldn’t support itself or so few employees.

Kaiser products aren’t available all over the US. If you are interested in one of their products, you have to live in one of the following states:

  • California
  • Colorado
  • Georgia
  • Hawaii
  • Virginia
  • Washington, D.C.
  • Ohio
  • Oregon

Kaiser offers plans for individuals, families and for employers.

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Kaiser Permanente Locations

Kaiser’s corporate offices are located at:

300 Lakeside Drive, 26th Floor
Oakland, California 94612
Phone: 510-271-2343

Although it appears as if they have offices in some of the states listed above, they don’t list their addresses or locations on their website.

Kaiser Permanente Agents

Kaiser works with independent agents to sell their products.

Not only will they work with agents to help them become licensed to sell Kaiser’s products, but they will also provide them with personalized web pages so that they can better sell their products as well.

For a customer, using an independent agent means that when the time comes to get a quote, you can get multiple quotes from your agent, providing he or she is licensed with other companies as well.

On a side note, it is always a good idea to choose an independent agency that works with many different insurance companies so that you can have more options when it comes to your final choice.

Kaiser Permanente Claims

Kaiser provides claims forms for you on their website to fill out if you need them.

The expectation is that your doctor will bill the company directly.

However, there are claims forms for times when you may have to go out of your network because you are traveling or because it is an emergency.

You can also talk to your independent agent to help you file any claims that you may have.

For many people, medical claims forms can be complex. Use your agent, which is part of the service they offer when they sell you a product, to make it easy for you to get your claim processed correctly.

Because Kaiser doesn’t have an A.M. Best rating, it is difficult to determine whether or not they are financially in a position to pay any claims that you may file.

However, with a company this old, it is probable that things will be just fine.

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Kaiser Permanente Careers

You can find a list of positions for Kaiser Permanente on their website.

In addition, they offer benefit packages to their employees that include:

  • health, vision, dental, and  prescription coverage
  • paid vacations, paid holidays, and paid sick days
  • disability insurance
  • life insurance
  • tuition reimbursement
  • retirement plans

You can search for careers on their website based on your areas of interest. In addition, because Kaiser owns a hospital, you can also use their website to find medical jobs if that is what you are in the market for.

Kaiser Permanente Quotes

In order to get a quote from Kaiser, you are going to have to contact an independent agent and request one.

The process shouldn’t take more than an hour and you should get your quote within a day. For auto insurance quotes, things are a bit easier.

All you have to do is enter your zip code below and get your free auto insurance quotes right now!

References:

  1. https://www.kaiserpermanente.org
  2. https://healthy.kaiserpermanente.org/new-members/register-to-kp-org
  3. https://healthy.kaiserpermanente.org/why-kp
  4. https://individual-family.kaiserpermanente.org/healthinsurance
  5. https://healthy.kaiserpermanente.org/care/doctors-locations/#/selectregion
  6. http://www.ambest.com
  7. http://www.kaiserpermanentejobs.org/default.aspx


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