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Is it an HMO? Because those can bankrupt you if you go out of network...
by all_blue_chucks 9y ago
Is it an HMO? Because those can bankrupt you if you go out of network...
- dekhn 9y agoIt's a Health Plan. People go out of network in Kaiser all the time- basically, once Kaiser's default system can't handle you (complex organ transplants, advanced rare cancers, etc), they send you to a place like UCSF, and have negotiated the cost structure. There's no guarantee KP won't bankrupt you, but it seems better than most.
- cbhl 9y agoKaiser has both HMO and PPO plans, although depending on your employer you might only have access to the HMO (e.g. if they went with another insurer for the PPO).
- otterley 9y agoThus proving the inherent value of the network!
- jartelt 9y agoIf you voluntarily go out of network for non-emergency care, then yes, you pay a ton. If you have an emergency and go to an out of network ER, that is still covered (at least for plans purchased on CoveredCA) because of provisions in the Affordable Care Act. The billing may be a logistical challenge, but it should not bankrupt you!