New Lower Kaiser Rates

Kaiser Permanente of Georgia announces new plans and NEW LOWER RATES for January, 2012. Some rates are up to 30% lower than for the same plan as offered in 2011.

Kaiser Classic Plans offer deductibles of $1500 – $5000. Other features include:

  • Unlimited doctor visits with copay's of $35 or $60
  • Many preventive services covered at 100% and not subject to deductible or copay
  • Urgent care facility copay of $75
  • Emergency room copay of $250
  • 80% coinsurance after the deductible
  • Comprehensive mental health benefits
  • Compare plans, quote and apply

Kaiser Essential Plans include cost saving provisions. Deductibles range from $1500 – $7500. Other features include:

  • 100% coinsurance after the major medical deductible.
  • Unlimited primary care office visit copay of $75
  • Outpatient lab and X-ray covered at 100%
  • MRI, PET, CAT copay of $250
  • Mental health copay
  • Outpatient surgery copay
  • Most preventive care covered at 100% and not subject to deductible or copay
  • Compare plans, quote and apply

Kaiser Advantage Plans deliver the most value. Deductibles range from $1500 – $7500. Other benefits include:

  • Unlimited primary care visits with $45 copay
  • Specialty visits offer $75 copay
  • Most preventive care covered at 100% and not subject to deductible or copay
  • 70% coinsurance after the deductible
  • $100 urgent care copay
  • $500 emergency room copay
  • Compare plans, quote and apply

‚ÄčWe think you will like the NEW Kaiser plans for 2012.

Kaiser Expands

Kasier of Georgia offers comprehensive health care, one stop shopping and some of the most affordable health insurance plans in Atlanta. Forget the HMO stigma. My most satisfied clients have been with Kaiser for years.

Kaiser Permanente expanding metro presence




The Atlanta Journal-Constitution

4:37 a.m. Friday, June 3, 2011

Kaiser Permanente of Georgia is embarking on another expansion in an effort to better coordinate care for its patients – adding a total of nearly 150,000 square feet of space at two existing metro Atlanta sites.

The nonprofit health plan is investing roughly $100 million to create one-stop shop medical centers for its patients at locations in Duluth and Kennesaw, with cardiology, nuclear medicine, OB/GYN, pulmonology and other specialty services. Primary care, urgent care and pharmacy services will also be included.

Some 100 jobs – 90 of them new positions – will be added at each location, said Dr. Rob Schreiner, executive medical director of Southeast Permanente Medical Group. Construction is slated to be completed in spring 2012.

The expansions are part of a larger effort by Kaiser to increase its presence in the region and provide more streamlined, cost-effective care. It has grown its number of neighborhood medical offices to 28 – adding 11 new facilities over the past 18 months.

It’s about building on Kaiser’s care model, which emphasizes prevention and communication among doctors whether they’re in the same location or via electronic medical records, telehealth and other technologies, Schreiner said.

The result is better care and lower costs, he said, adding that Kaiser has seen no rise in health care costs so far this year. “What we’re doing is clearly more efficient and effective.”

Health care providers are increasingly seeking to provide coordinated care, particularly by using electronic records, said Dr. Dan DeLoach, president of the Medical Association of Georgia. "It significantly decreases duplication of X-rays and tests."

Ultimately, Kaiser's goal is to boost market share in metro Atlanta from 5 percent currently to 15 percent, Schreiner said. The plan has also seen an increase in membership of nearly 9 percent this year – bringing the total to 244,000. The number of doctors with Southeast Permanente Medical Group, which cares for Kaiser patients, will also grow from 290 at the start of 2011 to roughly 400 by the end of the year.

Kaiser members have less out of pocket than with most PPO plans and a higher level of coordinated care, especially in areas of severe illness such as cancer or heart disease. I have toured many of their offices especially the Dunwoody office which is near me. This is a very impressive facility with onsite doctors, minor emergency care, lab, imaging (including CT and PET), pharmacy and more.

You can compare plans and rates then apply direct by clicking on the Kaiser medalion to the left of this article or use our automated quoting system to compare Kaiser with other Atlanta health insurance plans. Georgia Insurance Shop is the leading resource for information on affordable health insurance in Georgia and Medicare supplement plans.




Kaiser Health Plans of Georgia – New Plans – Low Rates

Kaiser PermanenteKaiser health plan of Georgia offers many low cost health plans for individuals, families and business owners. New plans introduced in January have very low rates making coverage affordable for many.

The convenience of 27 different Kaiser health facilities in greater Atlanta and “one stop shopping” for all your primary care needs makes choosing Kaiser the right choice for many.

Larger Kaiser facilities have on-site access to primary care, specialists such as OB-GYN, oncology, cardiology and more. Additional services include lab, X-ray, CT scan, PET scan, MRI and more.

All Kaiser of Georgia clinics have on-site pharmacy’s which is a great convenience. No more trudging around in the rain and traffic to fill your prescription medication.

Large waiting rooms and medical staff on-site mean no more long waits. Most patients can be seen the same day they call and many will be seen by a medical practitioner within 15 minutes or less of arrival.

I have personally visited half a dozen of the Kaiser clinics and am quite impressed with the range of services and ease of delivery.

Kaiser has the most advanced electronic medical record (EMR) systems in the country. Every visit is immediately documented and your medical history is updated at the time of visit. If you see a Kaiser doctor at one of their “personal” clinics in a strip center and need additional testing offsite, your information is immediately transfered to the nearest Kaiser facility that has the equipment needed to diagnose your medical problem.

No more lugging personal medical files from one office to another. Your records are quickly and securely transmitted throughout the Kaiser Permanente network and available to those who need to review your condition.

Many times additional testing is not needed, but rather a consult with another doctor in a specialty practice will suffice.

Your personal physician at a Kaiser facility has the ability to electronically consult with any number of Kaiser specialists while you are in the office.

I have been in the health insurance field for over 35 years and have never seen anything like this anywhere. It far surpasses systems from the government such as the VA or anything in Medicare or Medicaid.

Kaiser health plans of Georgia offers 8 different copay plans and two HSA qualified plans. This selection is enough to meet the needs of most individuals or families seeking to buy affordable health insurance in Atlanta.

Unlike many watered down plans from other health insurance companies, Kaiser health plans have full prescription drug coverage.

All plans have free annual exams for children and adults and unlimited lifetime maximums.

Routine well check ups include immunizations, certain preventive screenings, mammograms and vision testing at no charge. Most X-rays and lab work is performed at no charge to you.

You can review benefits and decide which plan is best for your needs with this link to a plan summary.

Compare Kaiser quotes and plans. Enroll direct or ask us for assistance.

Obamacare – Just Say No!

Seems newly elected South Carolina governor Nikki Haley wants to fight a takeover of our health care system by the Obamacare monster. According to Yahoo News the following exchange took place.

South Carolina's governor-elect Nikki Haley said in an interview later that she told Obama that South Carolina could not afford the health care mandate, and that it would cripple small businesses.

"I respectfully asked him to consider repealing the bill," she said, to which he clearly stated he would not. "I pushed him further and said if that's the case, because of states' rights would you at least consider South Carolina opting out of the program?"

Obama told her he would consider letting South Carolina opt out, Haley said, if South Carolina could find its own solution that included a state exchange, preventing companies from bumping people for preexisting conditions and allowing insurance pooling.

South Carolina is not the only state that will suffer under the boot heel of Obamacrap. So will every other state, every business large and small, and every individual.

No word on what, if anything, Gov. Nathan Deal had to say about helping out Georgia.

Looking to Buy Affordable Health Insurance in Atlanta, Georgia?

Georgia Insurance Shop has low rates on major medical insurance from all the top health insurance companies in Georgia. New lower rates and new plans coming online very soon for January, 2011 effective dates. New plans from Kaiser and United HealthOne coming soon.

Georgia Health Reimbursement Arrangement's

Individual health insurance in Georgia and HRA's (Health Reimbursement Arrangement) just got a big boost. Georgia insurance code, Section 33-51-7 as amended specifically allows individual health insurance plans to be funded through an HRA and will not be subject to Georgia small group health insurance laws.

Federal guidelines for HRA's can be found in IRS Publication 69.

You may enjoy several benefits from having an HRA.

  • Contributions made by your employer can be excluded from your gross income.
  • Reimbursements may be tax free if you pay qualified medical expenses. See Qualified medical expenses, later.
  • Any unused amounts in the HRA can be carried forward for reimbursements in later years.

In addition to the above, individual health insurance policies are not subject to expensive COBRA rules and regulations.

The ability to carry over unused funds from one year to the next makes the HRA more attractive than the "use it or lose it" rules under an FSA.

If you are a business owner in Georgia that is burdened by excessive rules that apply to group health insurance plans, you might want to consider a Health Reimbursement Arrangement and individual health insurance policies.

Affordable Major Medical Insurance in Georgia

Georgia Insurance Shop specializes in major medical plans for individuals and families. We represent all major Georgia health insurance companies including Blue Cross, Humana, Cigna, Kaiser, Aetna and more.

Eat Twinkie's, Lose Weight

Lose weight and lower cholesterol by eating from the vending machine. CNN reports that Mark Haub, professor of nutrition at Kansas State University ate Twinkie's, Nutty Bars and powdered donuts for 10 weeks.

The result?

His body mass index went from 28.8, considered overweight, to 24.9, which is normal. He now weighs 174 pounds.

Haub's "bad" cholesterol, or LDL, dropped 20 percent and his "good" cholesterol, or HDL, increased by 20 percent. He reduced the level of triglycerides, which are a form of fat, by 39 percent.

I eat pretty much anything I want but do have a bit more variety. Not sure the wife would agree to letting me go on a diet of sugar but if the results were there . . .

Affordable Health Insurance in Georgia

For those with a healthier lifestyle, Georgia Insurance Shop has health insurance rates available instantly online. Compare all major health insurance companies including Cigna, Blue Cross, Humana, Kaiser, Aetna and more.

PCIP Rate Reduction

The folks in Washington, the ones who gave us Obamacare, have figured out a way to spur growth in the pre-existing health insurance program (PCIP). When PCIP was created they estimated 4 million citizens would qualify for the plan but expected 200,000 would eventually enroll.

To date, only 8,000 have actually signed up with 1,657 coming from Pennsylvania (161 in Georgia).

Why Pennsylvania?

The Keystone state charges a $283 monthly premium — one of the lowest rates in the country. Pennsylvania is also the only state to charge the same rate regardless of age. Other states have higher rates for older people.


Charge lower rates and the same rate regardless of age.

This must be part of the group that thought up Cash for Clunkers where you could trade in your $500 car for $4500.

So now the Wall Street Journal reports that HHS wants to encourage expansion of the failed PCIP idea by lowering premiums.

The federal government said Friday it will cut insurance premiums by nearly 20% for people in high-risk pools, a program under the health overhaul that insures those with pre-existing health conditions.

So what about folks that already bought? Will they get a retro-active rate adjustment?

If a 20% fire sale doesn't get the influx, how low will they go? Don't they realize the folks who wanted this plan expected it to be free?

But wait, there's more!

The Department of Health and Human Services said it will offer three types of plans beginning in 2011, instead of just one offered now. The existing standard plan will offer premiums almost 20% lower than this year's plan, according to the department, with a $2,000 medical deductible and a $500 drug deductible.

The agency will add a second plan with higher premiums and lower deductibles of $1,000 for medical and $250 for prescriptions. A third plan will include a tax-advantaged health savings account and carry a $2,500 deductible.

HHS also carved out a new category of premiums for children with pre-existing conditions. 

New plans, lower rates, child only plans.

What a country.

Affordable Health Insurance in Georgia

Want to buy affordable health insurance in Georgia? We have health insurance rates from all major health insurance companies including Blue Cross of Georgia, Humana, Cigna, Aetna, Kaiser and more.

Obamacare Impacts AARP Premiums

Marketing behemoth and politically active AARP is increasing premiums and changing benefits in reaction to Obamacare. Roughly 4500 employees and dependents will be affected by this change. According to Yahoo News:

AARP adds that it's changing copayments and deductibles to avoid a 40 percent tax on high-cost health plans that takes effect in 2018 under the law. Aerospace giant Boeing also has cited the tax in asking its workers to pay more. Shifting costs to employees lowers the value of a health care plan and acts like an escape hatch from the tax.

"Plan value changes were necessary not only from a cost management standpoint but also to ensure that AARP's plans fall below the threshold for high-cost group plans under health care reform."

An "escape hatch". Wonder how many of those that put together Obamacrap anticipated this move?

My bet is no one.

Just like they did not expect employers to consider dropping group health insurance altogether, opting to pay the fine and let employees fend for themselves.

Nor did they anticipate companies dropping retiree benefits, shifting former employees on to Medicare and creating more of a financial strain on an already taxed system.

And how about those child protection laws? Requiring health insurance companies to cover dependent "children"  up to age 26 or telling health insurance companies they have to cover any child under the age of 19, regardless of how expensive their medical condition may be to treat.

How well did that work out?

AARP warned its employees that more cost-shifting could be in store. "AARP intends to make similar changes, as necessary, in the future to avoid the (health plan) tax,"

More cost shifting.

That is code for more coming out of your pay check and less coverage.

Affordable Health Insurance for Georgia Individuals and Families

Georgia Insurance Shop can show you how to build a health insurance plan tailored to your needs. By eliminating coverage you don't need to insure, and concentrating on where the real risk is, many save hundreds of dollars each month. We offer all major Georgia health insurance companies including Cigna, Blue Cross, Humana, Aetna, Kaiser and more.

Obamacare Reform – Whose Ox is Gored?

Tuesday elections reflected voter anger over many things, including Obamacare. One item that is front and center, along with the impending tax increase on everyone due to expiration of the "Bush" tax cuts, is reforming health care reform.

Whether it means changing Obamacrap, or repealing it and starting over remains to be seen. One thing is certain, the fat lady has yet to sing on this issue.

The New York Times has provided a laundry list of Obamacrap provisions, and their interested parties. This may not make David Letterman's Top 10 List but it is interesting none the less.

  • Repeal requirement that businesses generate 1099 forms to anyone and everyone that sold them $600 or more of goods or services (U.S. Chamber of Commerce)
  • Alter or eliminate provision requiring employers to pay for group health insurance (U.S. Chamber of Commerce)
  • Eliminate tax on "Cadillac" health insurance plans (several union groups)
  • Reduce or eliminate tax on medical devices (Republicans)
  • Let states decide how to set up and govern health insurance exchanges (Republicans)
  • Reverse planned cuts in Medicare and Medicare Advantage Plan funding (Republicans)

Republicans also want to keep "protection" for those with pre-existing conditions but eliminate the mandate that people buy health insurance. This can work, and always could, without dismantling the current health insurance system. Most states have risk pools for those with pre-existing conditions and all states have guaranteed continuation provisions for those whose COBRA benefits have expired. 

The new PCIP from Obamacare is actually a somewhat workable option, even taking into account it was designed by lawyers who have no clue how health care or health insurance actually works. In fact, I have referred 3 people there this week.

It will be interesting to see how far the lame duck Congress goes to respond to, and act on, provisions that are just around the corner.

Unless Congress acts, doctors who treat Medicare patients will have their fees cut by 23% on December 1, 2010 and another 6.5% the following month.

Income tax rates for everyone, including those in the lowest tax bracket, jump by as much as 50% on January 1, 2011.

New rules requiring health insurance companies to cut back on customer service and other overhead expenses go into effect in January.

Affordable Health Insurance in Georgia

Georgia Insurance Shop has affordable health insurance plans for individuals and families. Through our website you can review plans and apply direct to the health insurance company or ask us to help. We do not charge extra for advice and assistance. Review health insurance rates from Blue Cross of Georgia, Humana, Cigna, Aetna, Kaiser and more.