Kaiser permanente locations

So, I have been fighting Kaiser Permanente for over 3 weeks now, because they over charged our monthly premium by $11,431.18. Here is a synopsis:
Back a few weeks ago my usual monthly premium payment of $1064.20 was not taken, Kaiser instead charged us our (March) payment of $12,495.38. They (auto) charged it to my American Express card and Amex paid it (which made me over my limit, causing other charges to be threatened with denial). I have been trying to fix this for 3 weeks now. Last week they said it would be resolved with a credit to my Amex account. On 03/17/2023 my card was credited with $9376.23. Kaiser said that they would be taking April’s payment too, as well as March's and refunding the rest. That was NOT okay with me.....The $9,376.23 they did refund is still $990.75 short, even if I had agreed with them taking April's payment.
My Credit has now been affected by this as well, lowering my credit score (6 points so far).
I have filed a complaint with the Insurance commissioner's office. Is there anything else I can do? Another state agency that might help? They have taken over 30 hours of my life so far, and dealing with them REALLY sucks. Of course, KP refuses to give me any documents that I could use to prove this to AMEX, but at least the $9k credit got me out of hot water with them. (I had filed a dispute with AMEX, but had no proof of any kind, except a copy of the monthly bill). TY

Hey everyone! Two of the schools I am seriously considering right now are Kaiser Permanente School of Medicine and Mayo Clinic Alix School of Medicine. I'm trying to weigh financials, location, and opportunities between these two schools, and would love others' insights/thoughts. I am interested in Internal Medicine/Primary Care, although I do want to keep my options open as I'm sure I could very easily change my mind.
Kaiser:
Pros:
- Full tuition scholarship and $37k annual housing stipend. They extend this to all admitted students. Essentially, I can graduate medical school debt free as I likely won't need loans for housing.
- Location: Pasadena is awesome, and my family/friends all live in California. Have lived in northern california my whole life, and would love to be close to friends and family. Also weather is great there
- Kaiser seems to have a lot of resources and they are willing to spend generously on students (they even give you a new phone and mac book when you matriculate, or so I've heard). It seems like there is a lot of money they have to throw around, and they're more than willing to be generous with students.
- Grading is P/F (unsure about AOA) for preclinical, and tiered grading for clinicals. Pretty chill.
Cons:
- 50 person class, which is a lot smaller than I would ideally like. Just feel like it will limit opportunities to meet new people, find a group that really fits with me, etc.
- Super new school. They haven't had a class match yet and I would be in the 4th class they've ever had. Regardless Kaiser has a lot of resources and influence over here in California, and because of that I'm confident they will set their students up for success and match very well, although at the end of the day no one can really know until they actually match and this scares me a bit.
- Seems like they're still figuring a lot of things out. When I talked to students there, it seems like parts of the curriculum change a bit each year. These changes are based on student feedback, and from what i've heard it seems like theyre very receptive to student feedback in general and work to implement important things that students bring up. At the end of the day though, it seems evident that they have not "perfected" their curriculum and that there is still a lot of work to be done, and that I might find myself in the middle of some of these changes during my time here.
- They only do virtual anatomy, no actual cadavers at any point.
- Kaiser as a healthcare system kind of notoriously sucks/has a bad rep in california. They deliver great healthcare most of the time, but navigating their system itself can be a nightmare for many.
- Driving in LA is a nightmare, although Kaiser says they actually provide free ubers tp/from clincal sites for all students, which is nice.
Mayo (AZ):
Pros:
- Full tuition scholarship, so I would only need to pay for COL. This would likely result in $80,000-$150,000 in living expenses over 4 years. Not to get into too much detail but I have some pretty significant savings/investments and likely wouldn't actually need to take out any loans to cover this, but my savings would be eaten up almost entirely during medical school.
- It's Mayo. Great reputation, great match list, and likely better opportunities possible overall here, especially when it comes to becoming involved with research.
- Scottsdale/Pheonix. Great location too, not quite as close to family and friends but at least it's still on the west coast. I also have a few close friends who live right in Scottsdale. Lots of nature/outdoor activities nearby which is definitely important to me.
- Grading is P/F for preclinical with no AOA and tiered grading for clincal.
Cons:
- 50 person class. Same essentially as noted in Kaiser above.
- Would save 37k/year at kaiser essentially due to their housing stipend.
- Further from family in northern California
- Two campuses. The actual medical school is in Scottsdale, while the hospital is in Pheonix. They're close (~20 min drive), but not attached. They're building a new medical school building in Pheonix which should be done in a day or two, and once it is students will basically be entirely in Pheonix, which is less cool than Scottsdale.
- Weather. Scottsdale/Pheonix is beautiful, but that summer heat will be hard for me. 100++ degrees for weeks/months would be significantly worse than anything I'd have to deal with in Pasadena.
​
Of note, I am also heavily considering UVA at the moment but don't have financial aid yet so I can't really make a super informed decision on that at the moment.

De-transitioned teenager Layla Jane is suing Permanente Medical Group and Kaiser Foundation Hospitals, the medical providers who performed a double mastectomy on her when she was just 13 years old after beginning to identify as transgender two years before. Now 18 years old, Jane is accusing the hospital system of “intentional fraud and concealment” involving … Continue reading De-transitioned teen sues Kaiser Permanente for performing double mastectomy on her at 13: ‘Intentional fraud’

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