Kaiser Permanente of Southern California Deceptive information when requesting quotes on services/testing. Anaheim, California

My family has Kaiser Permanente HSA Plan with individual deductibles of $2,700 and family of $5,450.  We had to get this plan with a monthly premium of $679 per month, no perscription coverage and co-payments of approximately $75 and up because it was the least expensive.

When I call the Product Services Department to get an estimate on a service/procedure I will be having they give you an estimated co-pay.  If these figures were ever even close to the actual bill that would be fine but they aren't.

I just got a summary for the last month where I was in great need of physical therapy for my back.  It has really helped and I am very thankful.  I got the estimated bill.  When I called before I started going they told me it would be $40.  Now I get a bill showing separate pricing for each thing that was done.

Manual therapy $45  Ice pack $11   Thereaputic exercises $40  Electric Stimulation from $20-$40.  No one told me about all these separate charges.  I would have iced myself in the waiting room after.

I had and Echo Ultra Sound of the heart where they estimated a charge to me of $375.  They are now showing me the charge will be $1493.  I have now put my family in terrible debt unknowingly.  Yes, I needed the therapy but I would have only had it once a week instead of twice.  I waited 16 days before I saw the doctor to begin with because I knew that Kaiser was going to bill me so much.

We can barely cover the monthly premium and pay full price for our perscriptions.  I feel so bad that  these bills are now going to be coming in.  I did check out the cost before I proceeded with the testing my doctor so thought I needed.  I have know idea how I could have better found out the price.

Could someone please tell me what I am missing?  How do you work this system so you don't end up like this?  And try to understand the Summary of Accumulation and then the bill.  I have to call Product Services to have them try and explain it to me.  Today they told me I would need to call the doctor back to see what exactly what she ordered!  Really, I am supposed to figure this out when they can't.

Sincerely disappointed in my Kaiser health insurance.