Kaiser Permanente

Kaiser Permanente has an elongated and proud history as an innovator in health-care delivery. Today, KP is America's largest not-for-profit health maintenance organization, serving 8.4 million members in nine states and the District of Columbia. KP functions as an incorporated health-care delivery system that organizes and coordinates patient care, together with preventive care and screening diagnostics; hospital and medical services; and pharmacy services. KP has 11,000 physicians, 128,000 employees, 29 medical centers, and 423 medical offices. Kaiser Permanente synchronizes benefits with any other group medical coverage. Coordination of Benefits (COB) is a stipulation in group plan indentures that enables a carrier to organize its benefit payments for members who are covered by another benefit carrier so that no more than 100% of the cost of the medical services is paid by both carriers. COB divides the responsibility for payments between a primary and secondary carrier and so the primary carrier pays its full benefit for covered services, and the secondary carrier pays the outstanding balance of covered charges up to the full cost of the services. Generally the carrier selected at your place of employment is your primary carrier. However, if one carrier has a COB provision and the other does not, the one that does not is always the primary carrier. Students who are enrolled in Group Health or Kaiser Permanente medical insurance plans are eligible to receive services at UPS Counseling, Health and Wellness Services (CHWS) just as any student with or without medical insurance.

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