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 have many options for coverage. In most cases, you can stay with Kaiser Permanente so there’s no disruption in your care. Our Continuation of Coverage tool can help you find the best plan based on your budget and care needs.

  • 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 a small 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

Emergency special enrollment period for Maryland

Because of COVID-19, Maryland residents without coverage have until June 15, 2020, to sign up through the online health benefit exchange. Visit Maryland Health Connection to apply.
  • Enroll by April 15, 2020, for coverage starting April 1, 2020
  • Enroll April 16–May 15, 2020, for coverage starting May 1, 2020
  • Enroll May 16–June 15, 2020, for coverage starting June 1, 2020

No cost for COVID-19 care

If you’re a Kaiser Permanente member, COVID-19 testing and diagnosis are available at no cost. As of March 17, 2020, you won’t need to pay any out-of-pocket costs for COVID-19 treatment, including hospital stays. You don’t need to file a claim or take any action — this simply means we won’t bill you a copay, coinsurance, or deductible for services to test, diagnose, or treat COVID-19.

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.

Support in your community

Connect to local resources (Maryland, Virginia, or Washington, D.C.) for childcare, food assistance, housing, interpersonal violence, and more.

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.