Kaiser Permanente vs. HCSC Insurance

Which health insurance company is the best option for you and your family? Compare Kaiser Permanente and HCSC side by side.

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Kaiser Permanente vs. HCSC: What You Need to Know

After the war ended the shipyard workforce fell from 90,000 to 13,000. Only 12 of 75 medical group providers remained. On July 21, 1945, the Permanente Health Plan opened to the public to continue the health care delivery set up by Kaiser and Garfield. In 10 years, more than 300,000 people enrolled in Northern California with the support of two unions, the International Longshoremen’s and Warehousemen’s Union and the Retail Clerks Union.

In 1953, the name of the health plan and the hospitals were changed from Permanente to Kaiser Permanente. Even today, there are ties between the nonprofit Kaiser Foundation Health Plan and Hospitals and the Permanente Medical Groups.

HCSC serves over 15 million members with a variety of group and individual health care plans, services and life insurance products. As a pioneer in many states, HSBC was the first to do many things. In Illinois, HCSC was the first to provide coverage for bone marrow transplants, heart transplants and to provide group health insurance to rural and small communities as well as the first CareVan as a mobile immunization program. In Texas, they were the first to provide coverage for cancer treatment, catastrophic diseases like polio, leukemia and diptheria, and they provided healthcare starting at birth. They also provided coverage to migrant farmworkers in Texas. In New Mexico, HCSC was the first to offer PPO coverage, point-of-service coverage, electronics claims exchange with providers, customer service for large group accounts and in-hospital medical coverage on a per-visit basis. In Oklahoma, HCSC was the first to create a mobile health screening unit and free screenings for vision, hearing, glaucoma, blood, and blood pressure.

To learn more about each company, you can check out the Kaiser Permanente Overview and HCSC Overview.

What is Kaiser Permanente and HCSC Insurance Rating?

Which health insurance company is better? We've made it easy to compare companies side by side. See how Kaiser Permanente and HCSC ranked among the industry ratings.

ComparisonKaiser PermanenteHCSC
Year Founded19451929
Medicare Star Rating5 stars (out of 5)3 stars (out of 5)
BBB RatingA+A+
NAIC Complaint Index0.36% for group health0.40% for individual health

Pros & Cons of Kaiser Permanente or HCSC

Pros

Kaiser Permanente
  • Affordable marketplace plans with different tiers of coverage.
  • Low complaint ratio for group health plans.
HCSC
  • Affordable marketplace plans with different tiers of coverage.

Cons

Kaiser Permanente
  • Kaiser Permanente is only available in California, Colorado, Georgia, Hawaii, Maryland, Oregon, Virginia, and Washington D.C.
HCSC
  • HCSC only operates in 5 states: Illinois, Montana, New Mexico, Oklahoma, and Texas.

Kaiser Permanente and HCSC Mobile Apps Options

The Kaiser Permanente app allows users to find doctors, hospitals, and pharmacies, view claims, and pay your bill. They also offer an app called Humana Pharmacy which helps you to manage your prescriptions.

Each state has its own HCSC / Blue Cross Blue Shield app on iTunes and GooglePlay. The app allows users to find doctors, hospitals, and pharmacies, view claims, pay bill, and manage prescriptions.

Kaiser Permanente Mobile App
iOS     3.12K users
Android     4.316,728 users
HCSC Mobile App
HCSC mobile app varies by State

Kaiser Permanente and HCSC Enrollment Process

Kaiser Permanente

Kaiser Permanente offers plans through the health insurance marketplace. You can begin searching plans here or you can get several free health insurance quotes.

Each state has its own marketplace. If you’re not sure where to begin, visit https://www.healthcare.gov/. You can also schedule a personal appointment with a local Kaiser Permanente Medicare specialist: 1-866-973-4588.

HCSC

HCSC offers plans through the health insurance marketplace. You can begin searching plans here or you can get several free health insurance quotes with SmartFinancial.

Each state has its own marketplace. If you’re not sure where to begin, visit https://www.healthcare.gov/. Remember that HCSC only operates in 5 states: Illinois, Montana, New Mexico, Oklahoma and Texas.

How to File a Claim with Kaiser Permanente and HCSC Insurance

Kaiser Permanente

To submit claims for reimbursement, contact member services at 1-888-901-4636. Otherwise, you should be covered except for copay. If you need reimbursement for Medicare Part D prescriptions, you must use the Member reimbursement drug claim form (PDF). For all other prescriptions (non-Medicare and Medicare without Part D) you must use this Prescription claim form (PDF).

HCSC

To submit electronic claims, you or your billing agent need to use a third-party claims clearinghouse vendor, like Availity. For paper claims, you need to complete the right claim forms.

Common Questions About HCSC and Kaiser Permanente Insurance

Kaiser Permanente

How much is Kaiser Insurance?

In 2018, the average premium for single coverage was $575 per month or $6,896 per year. For a family, the average was $1,635 per month or $19,616 per year.

How to change Kaiser health insurance plans:

If you want to change an HMO plan to a PPO plan or vice versa, you’ll have to wait for the open enrollment period before the new year to make changes to your health plan, unless you have a qualifying event, which would enable you to make changes to your plan at any time during the year as long as it is within a reasonable time after a qualifying event.

Is it better to go with PPO or HMO with Kaiser?

Whether a PPO or HMO will serve you better depends on your needs and lifestyle. An HMO is a more economical choice than PPOs. However, to reap the financial benefit, you can only see in-network providers and may need to choose a primary care doctor to manage your health care and refer you to specialists within the network.

How to get a Kaiser Permanente health insurance quote:

You can compare health insurance quotes here.

Check out our full list of common questions about Kaiser Permanente.

HCSC

Is HCSC a good health insurance company?

HCSC is one of the oldest health insurance companies. They invented the prepaid hospital care plan. Today, they are one of the largest companies. They have a relatively low complaint ratio, which means that members are probably satisfied with claims processes and service.

Is HCSC and Blue Cross Blue Shield the same?

BCBS stands for Blue Cross Blue Shield, which is a federation of 36 separate health insurance companies. It was formed in 1982. Blue Cross (hospital services) and Blue Shield (physician services) operated separately until 1975, when they became one as Health Care Service (HCSC) Corporation. HCSC is an independent licensee of the Blue Cross and Blue Shield Association.

What are some HCSC subsidiaries?

Dearborn Group, Dental Network of America, Inc (DNoA), Medecision, Inc., Availity, LLC, Prime Therapeutics, LLC and TriWest Healthcare Alliance.

Is HCSC a publicly-traded company?

HCSC is a mutual insurance company, which means that it is customer-owned.

Check out our full list of common questions about HCSC.

Kaiser Permanente and HCSC Insurance Contact Info

Kaiser Permanente Contact Info
Address1 Kaiser Plaza, Oakland, CA 94612
Phone1 (510) 271-5910
Websitehttps://healthy.kaiserpermanente.org/
Facebookhttps://www.facebook.com/kpthrive/
Youtubehttps://www.youtube.com/channel/UCqZdtT_o6xZbMkRbLZJ7Zvg
Twitterhttps://twitter.com/aboutKP
Linkedinhttps://www.linkedin.com/company/kaiser-permanente/
HCSC Contact Info
Address300 E. Randolph St. Chicago, IL 60601
Phone1 (800) 654-7385
Websitehttps://www.hcsc.com/
Facebookhttps://www.facebook.com/healthcareservicecorporation/
Youtubehttps://www.youtube.com/user/HealthCareService
Twitterhttps://twitter.com/HCSC
Linkedinhttps://www.linkedin.com/company/blue-cross-and-blue-shield-of-illinois-new-mexico-oklahoma-&-texas/life/4548c167-e254-4ffd-a356-7892967212c3/

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