Best for HMOs: Kaiser Foundation Health Plan
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The nonprofit insurer Kaiser Foundation Health Plan won stellar ratings for private insurance, with 1 plan (Mid-Atlantic States) getting a top overall NCQA score of 5.0 and 7 other plans, ranging from Georgia to California, winning 4.0 to 4.5 ratings.12 In the Medicare Advantage arena, Kaiser was also a winner with 8 plans in the very top echelons.13 The company operates in 8 states (California, Colorado, Georgia, Hawaii, Maryland, Oregon, Virginia, Washington) and Washington, D.C.
All of Kaiser's highly rated private and Medicare Advantage plans are HMOs. This is good news for those needing budget health insurance because HMOs have lower premiums, no deductibles, and lower copays and prescription drug costs. The downside to an HMO is the stipulation that—except in emergencies—you must use only doctors, hospitals, and other services that are in the network. The plans do, however, deliver the same essential goods as a PPO plan. Kaiser's policies have relatively low premiums.
Best for HMOs: Kaiser Foundation Health Plan
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