Navigating coverage and costs

Access to health care is more important now than ever. If you need information about coverage after a layoff, the costs of care, or how to apply for financial help, we’re here for you and your family.

Stay covered after a job change

You may have several options for staying with the Kaiser Permanente doctors you know and trust. Use our Continuation of Coverage tool to help you find the right plan for your needs and budget.

Your plan options may include:

  • Kaiser Permanente for Individuals and Families — An individual plan available through your state’s health benefit exchange. You may be able to get federal or state help paying your monthly membership rate.
  • Medicaid/Medi-Cal — No-cost or low-cost health coverage for people and their families in need of financial help.
  • COBRA — A continuation of your employer-sponsored coverage for a limited time (usually about 18 months). You pay the full plan membership bill every month instead of your employer, plus an administrative fee.
  • Other group coverage — Coverage as a dependent through your spouse or partner’s employer or another organization. If you’re under 26, your parents may be able to add you to their plan.

Other reasons for new coverage

If you have coverage but want a new plan, use the Continuation of Coverage tool to find out if you have a qualifying life event, such as:

  • You move to an area where your health plan isn’t available
  • You turn 65 and become eligible for Medicare
  • You get divorced
  • You’re experiencing interpersonal (domestic) abuse and want to apply for coverage separately from your abuser
  • Your spouse or partner abandons you and you want to apply for coverage separately from them

Testing and diagnosis — no cost

As a Kaiser Permanente member, you won’t have to pay for costs related to COVID-19 screening or testing if referred by a Kaiser Permanente doctor. If you’re diagnosed with COVID-19, additional services, including hospital admission (if applicable), will be covered according to your plan details.

Help with financial hardship

If you’re experiencing financial hardship at this time, you may be able to get help from Kaiser Permanente. Contact Member Services to learn about your options.

Help coping with COVID-19

Right now, it’s especially important to care for the whole you — mind, body, and spirit. We have many digital tools and articles to help your physical and mental health.