Below is a comparison between Kaiser and Coventry. I would like to point out a few areas that will show that Kaiser’s benefits are better. We all know that Coventry has the cheapest price in town. However, the cheap price may not be the best selection for you. You’ll need to compare and contrast rates and benefits to find the right Georgia health insurance plan for you.

Notice in the plan above that that out-of-pocket maximum (the worst case scenario in one year) is far lower with the Kaiser Permanente Plan. Also, Kaiser’s lifetime maximum is unlimited while Coventry limits it to $7 million. Specialist visits are always $50 with Kaiser, but with Coventry you only get two $50 specialist visits before the deductible. Preventative screenings are free and labs and x-ray’s are included with your copay with Kaiser, but not with the competitor. Mental health coverage is included with Kaiser, but not with Coventry unless you pay extra for a separate rider. One of the biggest drawbacks to Coventry is that they don’t cover pre-existing conditions until after a 12 month waiting period. Kaiser does not exclude coverage for pre-existing conditions. Though the monthly premiums for the Coventry plan may be lower, you’re going to get nickled and dimed to death at the doctor’s office with the Coventry plan. The Kaiser Permanente coverage is just better.

The Kaiser facility provides excellent service as well as convenience. Pharmacy, labs, etc. are all provided in the facility. Kaiser also provides the healthy living classes for KP members. These classes offer ways to help members live healthy. This way they will stay out of the doctor’s office.