Kaiser health plan members will probably be familiar with this business loan referred to as Kaise Le. This is the term used for the low interest medical loans provided by Kaiser Permanente to its members. It is very common for a person who has an existing health condition, or who has been recently diagnosed with such a condition, to apply for this loan. The goal of Kaise Le is to help these people obtain the best health coverage possible at an affordable rate.
As the name suggests, Kaise Le is offered to people who are new to Kaiser health plans. Although there are several other kinds of medical loans that may be available through Kaiser, these are considered risky because they do not come with the same tax benefits, flexibility of choice, and level of security that comes with a Kaiser plan. One reason for this is the fact that most people who are just starting out do not have any investments in their future health-care needs yet. Another is that the rates on these loans are often very high, since they are based only upon the current state of one's health.
In addition, those who currently have health coverage through another source may find that their rates are reduced or even eliminated by applying for this loan. This is due to the fact that the risk associated with applying for this loan is higher than those faced by someone who has not yet joined a Kaiser health plan. An example of this is someone who is married or who already has a family. If the borrower is married, his or her spouse will also be added to the health plan. If the borrower does not belong to a household, then there is a greater risk of non-payment of the loan which could lead to cancellation of the health coverage.
There are also certain requirements that must be met by the person applying for this loan. For one, the applicant must be a resident of the United States. Also, he or she must not be prohibited from receiving a health plan under federal law. Some of these conditions include a medical condition or surgery, chronic alcoholism, obesity and gender. This loan is also given to those who are considered to be 'group insurance' in the United States, meaning they have purchased coverage as part of a large group.
Those looking at obtaining a loan through Kaiser may also be able to get help from an adviser who handles health insurance plans. These advisers are usually affiliated with various banks. They can help a person obtain the best business loan possible for his or her business. In some cases, the advisor may even be able to get a low interest rate on the loan.
Before applying for a business loan, one should ask his or her bank about a Kaiser policy. He or she should also inquire about the different repayment options. These policies are important because different banks offer different repayment plans. For example, some require full payment up front while others allow for partial payments. It's a good idea to get this sort of information from a variety of . . . . . . places.
The best way to secure a business loan with Kaiser is by presenting a sound financial plan. To do this, a person needs to prepare several years of income statements. This includes all sources of income such as salary, interest, dividends and Social Security. A health inspection by the inspector will also provide valuable information about a business's financial health. All of these details will be used to help decide what the best loan option will be.
There are other ways to help a person to secure a Kaiser health plan. If a member has a pre-existing condition, a consultant can help find a plan that will cover the cost. In addition to helping a person obtain a health plan, consultants can also give advice on improving the business's health. Some of these suggestions can come in the form of improved billing, employee benefits or other measures that improve the quality of care. Some suggestions can involve things as simple as having employees fill out paperwork on their own, rather than relying on the office to do it for them.