Santa Rosa, CA (PRWEB) July 8, 2009
In an effort to provide financial relief for its customers and to ensure that they can continue to afford excellent medical insurance, KaiserQuotes.com has increased promotions on their more affordable health plans, particularly plans with higher deductibles and lower monthly premiums. For customers who are financially burdened in this tough economy, KaiserQuotes.com has encouraged the following changes:
- Switch from a Copayment Plan to a Deductible Plan.
o If a customer is currently on one of the Kaiser Permanente Copayment Plans, they often encourage changing to the 30/1500 Deductible Plan.
- Change from a lower Deductible Plan to a higher Deductible Plan:
o If a customer is currently on Kaiser Permanente's 30/1500 Deductible Plan, they often encourage changing to the 40/3000 Deductible Plan.
o If a customer is currently on the Kaiser Permanente 0/1500 Deducible Plan with HSA, they often encourage changing to the 0/2700 Deductible Plan with HSA.
The immediate appeal of a high deductible health plan is that premiums are lower because the insured person is self-funding a greater portion of his or her health care expenses. In fact, choosing such a plan can reduce monthly payments dramatically - sometimes up to 50%.
"If you're looking for low cost health insurance that will protect your family from daunting medical costs, a Kaiser Permanente deductible health plan is a great option," said John Hansen, spokesperson for KaiserQuotes.com. "This type of insurance plan also encourages preventative health care, which is one of the best solutions for us to lower soaring healthcare costs in the United States. Currently Kaiser Permanente is providing some of the highest quality health insurance coverage at some of the most affordable rates. Right now, the competition is finding it very hard to remain in step with Kaiser."
High deductible health plans are an excellent option for those who require coverage for serious injury or illness, but still need a low cost individual health insurance option. These people will save a significant amount of money on monthly premiums because they self-insure for basic and routine medical expenses. Also, those on HSA plans are able to set aside pre-tax dollars in a health savings account to be used exclusively for qualified medical expenses, which creates additional savings on their federal taxes.
"We're cognizant of the fact that a chief concern among many Americans is the high cost of quality medical care and keeping up with those costs as income decreases and unemployment rates rise," added Hansen. "In an economy like this, we have to do everything we can to make it possible to provide quality medical coverage at a price people can afford."
KaiserQuotes.com is the largest licensed insurance agency exclusively offering Kaiser Permanente health insurance plans in the United States. They provide free instant quotes and enrollment assistance to individuals, small businesses and groups that are seeking affordable, quality health insurance. This website is not directly affiliated with Kaiser Permanente. It is a convenient resource for information on individual health insurance and group health insurance plans all in one place. To learn more about the company or to get an insurance quote, visit http://www.kaiserquotes.com.