I don't think you know Kaiser very well. Kaiser's vertical integration is really good at some things, but the other edge of this sword is that if you need treat

I don't think you know Kaiser very well. Kaiser's vertical integration is really good at some things, but the other edge of this sword is that if you need treatment in a specialty they're bad at, you're fucked: there's nowhere else to go because getting out-of-network care with Kaiser is nigh-impossible. And mental health is infamously one of the things Kaiser is very bad at. Their mental health coverage is so inadequate that if I was choosing between insurance providers I'd pick a different one for that reason alone.