A California carrier is modifying 2008 plan designs in an effort to help customers cope with rising prices.

KaiserQutes.com, Santa Rosa, Calif., a company that markets health insurance from Kaiser Permanente, Oakland, Calif., says all non-health savings account individual deductible plans now will include coverage with a co-payment for doctor visits before insureds meet their deductibles, according to KaiserQuotes.com.

Families will gain the option of adding children ages 19 to 22 who are full-time college students to their plans.

KaiserQuotes also is offering a new Kaiser preferred provider organization plan, designed mainly for groups with a few employees who live away from Kaiser facilities, according to KaiserQuotes.com.

In addition, all non-HSA deductible group plans will offer coverage with a co-payment for regular doctor visits before deductibles are met, and some group deductible plans with HSAs will shift to embedded deductibles, from aggregate deductibles.

“The embedded deductible option allows for coverage of one family member to begin once that individual reaches the first tier deductible of $2,700,” according to KaiserQuotes.com. “The whole family receives coverage after the second tier family deductible is met.”

The aggregate deductible system, which still applies to the individual plans and some other plans, requires that a family meet a family deductible before post-deductible coverage kicks in.