Medicine: Prepaid Medical Care: Nation’s Biggest Private Plan

Medicine: Prepaid Medical Care: Nations Biggest Private Plan
Just 17 miles from downtown Los Angeles, the brand-new Kaiser Foundation
Hospital at Panorama City looms above the summer-dried landscape like a
pair of upended binoculars. But the rush of patients to the twin
seven-story towers this week was far more than a response to
architectural novelty. It was a testament to the success of the Kaiser
Foundation Health Plan Inc.. a repetition of the warm response that
greeted the opening of Kaiser's new Medical Office Building at
Hayward, near Oakland, fortnight ago. it was one more impressive
statistic to add to the success of the eleven other hospitals and 38
clinics that the foundation operates in California. Oregon and Hawaii. “Medikaiser,'' as insiders now call it. is the nation's largest
nongovernmental, womb-to-tomb program for prepaid health and hospital
care. Since World War II it has grown to a grand total of 911.001
members, representing about 337,000 subscribers and their families.
Contrary to widespread belief, employees of Tycoon Henry J. Kaiser and
his gangling industrial empire make up only 5% of Medikaiser's
subscribers. Best in Groups. Anyone in an area served by Medikaiser is eligible to
join. And for their money subscribers get more complete protection than
is available from most other forms of U.S. medical insurance. In most
of the U.S., Blue Cross pays only hospital bills and Blue Shield pays
only surgeons' fees and some doctors' bills; H.I.P. , runner-up to Kaiser as the
nation's biggest prepaid care plan, does not cover hospital bills.
Medikaiser covers almost everything. Among a dozen variants, there is one basic plan. Under this plan, an
employed subscriber pays $7.80 a month for himself, or $14.20 for
himself and wife, or $18.35 for self, wife and dependents. For his dues, he and his family are
entitled to visit Medikaiser doctors in their offices as often as they
like at a charge of $1 a visit. With two minor exceptions, all
operations are done without charge. Patients are entitled to: 60
cost-free days of hospitalization for each illness in any year, plus
51 days at half-price; free blood on a replacement basis; a 50%
discount on prevailing rates for laboratory work. X rays and physical
therapy; free ambulance service; free home calls by nurses; doctors'
home calls at $3.50 by day, $5 at night . Pregnancy care, through the birth of the baby, costs
$95. For all this, there are still admitted gaps in what Kaiser can offer.
“In care of the aged,” laments General Manager Clifford H. Keene, “we
are only feeling our way along and haven't found any really good
answers yet. We have no real dental care, and only limited psychiatric
services.” But Kaiser doctors are justly proud of other aspects of
their organization. Besides its twelve hospitals, the plan operates a
specialized rehabilitation center in Vallejo.

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