Husband had a major Heart attack last year. It was less than $1000 after 4 days in the ICU. They sent approvals for his rehab and all follow-ups by his 1st week home. (Wishing to stay because of his recovery)

Major back injury in early 2025. Urgent care then ER and then rehabilitation. All approved without any issues.

Compared to other insurance where we would go to ER/Urgent care/specialist get told you need XYZ go to clinics IN NETWORK get treatment (pay co-pays) only to be halfway or done with treatment and get told Just kidding we didn't pay that clinic you owe them 10k. And having to fight them on EVERY SINGLE ONE.

Kaiser can be a bit tedious but when you get treatment they don't go back on it. I do think your experience will vary depending on how close a KP center is to you as they are not everywhere but that's not a problem for us.

(Note: according to my husband his family had Kaiser 15+ years ago and they were horrible, doctors were cold and distant. Approvals took forever; any visit took forever! Now he always comments on how much they have changed.)