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Archive for November, 2009

Deadline for Georgia Individuals & Families

Tomorrow is the Kaiser Permanente Georgia Individual Health Insurance deadline for individual and family applicants. The cut off time is 4:30 PM Eastern Standard Time. If a customer submits an application after this time, the effective date will be the 1st of January. If you have any questions, please call 1-877-752-4737.

Tomorrow is the last chance to lock in the current 2009 rates. Rates are going up after tomorrow. If you apply today or tomorrow, you can lock in the current rates for one year.

Is Preventive Care Subject to the Deductible?

Preventive care services are not subject to the deductible. Only the services that are intended to diagnose or treat an existing illness, injury, or a condition that has already been diagnosed or for which you have symptoms are subject to the deductible. Any non-preventative services you receive during a preventative care exam will be subject to the deductible.

The following are included and are exempt from the deductible:
o Flexible sigmoidoscopies
o Health education
o Vaccines
o Mammograms
o Routine preventive retinal photography screenings
o Routine preventive physical exams, including well-woman visits and eye refraction and hearing exam
o Tuberculosis tests

The following laboratory tests are also included and not subject to the deductible:
o Cervical cancer screening including screening for human papillomavirus (HPV)
o Cholesterol tests (lipid panel and profile)
o Diabetes screening (fasting blood glucose tests)
o Fecal occult blood tests
o HIV tests
o Prostate specific antigen tests
o STD tests

In an OBGYN visit, the following are included:

o Pelvic Exam
o Pap Smear
o Mammogram (depending on what the doctor advises)