Anthem HMO vs Kaiser

[UntilTheNDofTimE]

Originally Posted by Ariadne22

Since money isn't an issue, don't confine yourself to an HMO and its limited network of providers. A PPO will allow for out-of-network coverage and far more provider flexibility should that become necessary. Of course, there is more cost-sharing when one uses out-of-network providers but, in your case, it would appear you can handle it.

If your circumstances were different, Kaiser in CA is a decent HMO choice in many areas of that state.

I'm in CA and most I know have Kaiser and I can comfortably say people either love it or hate it. I live in a big government town (Sacramento) and a lot have Kaiser because the premium is very low for government workers and you have $15 hospital copays for literally everything, and $50 for ER and surgery. So for the most part this is a worry free medical provider if cost is an issue. I just had to go to the ER and it will cost me $3,000 OOP. My old plan this would of costed me $50 when I had Kaiser through my government job

My new employer too offers Kaiser, but with a $2250 deductible, then you still have cost sharing. It's almost like a PPO plan payment structure yet you are limited to Kaiser. Because of this I chose a PPO through BCBS.

I guess the reason I brought this up is because OP should not only consider the medical provider but the costs for services as well.