Has anyone explored this?
What they didn't tell us:
Kaiser Permanente Senior Advantage (KPSA) is available as our "Group" rate for $179/month (plus Medicare costs), but LLNS did not tell us that it is also available over the counter as an "Individual" for $81/month for Alameda County residents of any age. (Also plus Medicare.) Other counties might vary.
IF you are 65, then Medicare is mandatory, or you will be dropped from LLNS health coverage. Medicare costs by the month, more than they say depending on your income which includes tax exempt income.
The Individual KPSA has higher co pays like $30 per doctor or medicine, while the Group is $20, and $100 co pays for some tests like MRI's that the Group KPSA apparently includes, but the Individual has an annual cap of your out of pocket of $3400. Everything above that is free to you.
I tried to get info on the LLNS Group but the Hewett web site only posts the information for 2009. Kaiser doesn't seem to know.
I'd really be grateful if someone has better information.
Q. If I leave the LLNS Group can I come back later?
Q. Can I get the HRA to pay the Individual KPSA monthly fees?
Q. Does the Group KPSA have an annual expense cap, too?
Thanks for any help!
NO, it is NOT "substantially equal!"
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