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- If your household income is at or below 300%, or in some regions up to 400%, of the federal poverty guidelines, you may be eligible.
- If you’re experiencing high medical expenses as compared to your income, regardless of household income, you may be eligible.
Medical Financial Assistance
Improving health care access for people with limited income and resources is fundamental for Kaiser Permanente's mission.
Our Medical Financial Assistance program provides temporary financial assistance to help qualified patients pay for health care based on their financial need. This includes emergency, urgent, or medically necessary care, as well as pharmacy services and products received from Kaiser Permanente providers or facilities.
Patients who qualify may receive financial assistance for some or all of their medical costs, regardless of whether they have health insurance, are uninsured, or are underinsured.
Qualifying for financial assistance does not guarantee access to nonurgent or nonemergency services, which may be subject to availability, medical necessity, and other clinical or operational criteria.
Watch our video for a quick overview of MFA, who is eligible, what it covers, and how to apply online.
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Frequently asked questions
The policy, application, and plain language summary are available online, by email, in person, by telephone, or by U.S. mail.
Please select the region where you received your service below to find these resources.
The MFA program covers:
- Emergency and medically necessary health care services
- Pharmacy services and products
- Medical supplies provided at Kaiser Permanente facilities (such as hospitals, medical centers, and medical offices), at Kaiser Permanente outpatient pharmacies, or by Kaiser Permanente providers
The MFA program does not cover:
- Health care premiums
- Health care services provided and billed outside of Kaiser Permanente
- Ambulance or other medical transportation
- Services that are not considered emergency or medically necessary as determined by a Kaiser Permanente provider, including cosmetic surgery and services, infertility treatments, retail medical supplies, and surrogacy services
- Services related to third-party liability or workers’ compensation cases
The most convenient option for most people is to apply online.
Alternatively, you can apply via fax, mail, or drop-off.
For more details or to start the application online, see “Get Started” below and select the region where you received the services you need help paying for.
We will make every reasonable effort to process your application promptly. Once we receive the completed application, we’ll send you a letter confirming the outcome within 30 business days. If it is not approved, we will provide a reason for the denial and instructions on how to appeal the decision if you disagree.
You’ll need the following information to apply:
- Household size and income information for all adults in the household
- Health care costs
- Proof of income
Income verification is part of determining eligibility for medical financial assistance. Including proof-of-income documentation with your application will assist in confirming the accuracy of your income during the review process.
Patients who choose to verify their financial status by providing financial documentation may submit their most recent pay stubs or income tax return for the current tax year as proof of income. Kaiser Permanente will also accept additional proof-of-income documentation as outlined below.
The table lists the optional documents to submit according to your household income source(s).
| Household income source(s) | Provide only one of the following per income source |
|---|---|
| Business, rental income |
|
| Employment income, wages |
|
| Received pension, retirement, annuities income |
|
| Self-employed income |
|
| Social Security, Supplemental Security Income |
|
| Unemployment benefits, disability income |
|
| Veteran benefits income |
|
| Government assistance (ex. Medicaid, TANF, SNAP, WIC, or low-income housing) |
|
| Interest or dividends income |
|
| Spousal/child support payments received |
|
| No household income |
|
Kaiser Permanente offers a variety of bill pay options and resources to help you manage your medical costs. You can pay your bill, set up a payment plan, or view other bill pay options at Help Paying Your Bills.
If you don’t have health care coverage and would like more information, call us at 1-800-479-5764 (TTY 711) Monday through Friday between 9 a.m. and 5 p.m. to learn more about coverage options.
We’re here to support you however we can. If you need help with essentials like food, housing, paying for internet or other utilities, and more, the Kaiser Permanente Community Support Hub can help connect you to resources in your community. Call 1-800-443-6328 (TTY 711), Monday through Friday between 8 a.m. and 5 p.m.
Get started
For program materials or to start the application process, please select the region where you received your service: