Your Kaiser HMO Option

With your JPMorgan Chase Kaiser HMO Plan, you can expect a wide range of care and support to help you stay healthy, including no-cost preventive care, no-cost telehealth, and doctor’s office visits and prescriptions for a copay or coinsurance — even before you meet your deductible.

Explanation of Benefits are not a bill. They are a summary of services you’ve received. It shows the charges, the date of your visit, and the name of the provider you visited. Use them to:

  • Keep track of your expenses and make sure everything is accurate.
  • Check your progress; have you reached your deductible or out-of-pocket maximum?

Before your EOB arrives, use our estimates tool on to get the most current overview of how close you are to reaching your deductible and out-of-pocket maximum. For your JPMorgan Chase MRA and HCSA or DCSA be sure to save your EOBs in case you need to validate a claim or for income tax purposes. 

Comparing JPMorgan Chase Medical Options

Understanding the differences between your Medical Plan Options 1 and 2 and Kaiser HMO option can help you select the right plan for you and your family. Learn the basics at

Your Kaiser HMO Plan

You have full access to a broad network of Kaiser Permanente and affiliate providers. For most specialities you can obtain a referral from your primary care physician by email, phone, video, or during an in-person visit. Emergency care is covered worldwide and is always considered in network. 

Out of network coverage is generally not included in your plan expect for emergencies and for urgent care when away from home. You are fully covered for emergency care and urgent care worldwide. 

Yes, your primary care physician will coordinate all your care and refer you to appropriate specialists if needed.  You cannot seek care from a specialist without a referral from your primary care physician. For most specialties you can obtain a referral from your primary care physician by email, phone, video, or during an in-person visit. 

Your Medical Plan Options 1 and 21

You have access to a broad network of providers. Visit MyHealth to learn about non-Kaiser Permanente options.1

You have coverage for out of network care with a different deductible, out of pocket maximum, and cost shares. Visit MyHealth to learn about non-Kaiser Permanente options.1


1. Language and details of all non-Kaiser Permanente programs, plans and details provided by JPMorgan Chase. For questions, contact JPMorgan Chase HRAnswers or visit MyHealth.


Why choose us?

Kaiser Permanente combines care and coverage — which makes us different than your other health care options.

Your doctors, hospitals, and health plan work together to make exceptional health care easy to get. That means you’ll have peace of mind knowing care for your total health is there when and where you need it — from your doctor’s office to your living room.

See what it’s like to be a member

We’re known for catching problems early with preventive care. But if your health needs serious attention, our world-class specialty care has you covered.

In 2020, Kaiser Permanente led the nation as the top performer in 34 effectiveness-of-care measures. The closest national competitor led in only 17.*

The measures include:

  • Prevention and screening
  • Comprehensive diabetes care
  • Mental health
  • Respiratory care


*Kaiser Permanente 2020 HEDIS® scores. Benchmarks provided by the National Committee for Quality Assurance (NCQA) Quality Compass® and represent all lines of business. Kaiser Permanente combined region scores were provided by the Kaiser Permanente Department of Care and Service Quality. The source for data contained in this publication is Quality Compass 2020 and is used with the permission of NCQA. Quality Compass 2020 includes certain CAHPS data. Any data display, analysis, interpretation, or conclusion based on these data is solely that of the authors, and NCQA specifically disclaims responsibility for any such display, analysis, interpretation, or conclusion. Quality Compass® and HEDIS® are registered trademarks of NCQA. CAHPS® is a registered trademark of the Agency for Healthcare Research and Quality.

Choose the right doctor.

Start by browsing our online doctor profiles to find a doctor who’s right for you. You can search doctors accepting new patients by gender, location, and languages spoken – and view their photos, education, and credentials.

You can also choose a personal doctor with any of these specialties:

  • Adult medicine/internal medicine
  • Family medicine
  • Pediatrics/adolescent medicine (for children up to 18)
  • Obstetrics-gynecology

Each covered family member may choose his or her own personal doctor. And if you want to change to another Kaiser Permanente doctor at any time, for any reason, it’s easy to choose a new doctor online or by phone.

Visit to search for providers and locations.

If you select the Kaiser HMO option during annual enrollment, we’ll be here to help you each step of the way.

Before you enroll

If you enroll in the Kaiser HMO option, you'll need to receive all nonemergency services from Kaiser Permanente doctors, facilities, and affiliated providers as described in the Kaiser Permanente coverage documents when your coverage becomes effective. Except in certain circumstances when continuity of care requirements apply, you may not be able to access routine or ongoing care from your current providers.

If you have questions about how to transition any current courses of care you may be receiving, please call us at 1-800-204-6561 (TTY 711), Monday through Friday, 8 a.m. to 6 p.m. Pacific.

After you enroll

After you enroll and before your membership begins, our dedicated health care transition and onboarding team will contact you to help you:

  • Transition prescriptions and care to Kaiser Permanente facilities and providers
  • Find the nearest doctors and locations
  • Setting up your online access
  • Share information on emergency and urgent care locations and services

When your membership begins

We’ll guide you through each step, so you get the care you need without missing a beat. Visit to get started on the path to great health. 

Kaiser Permanente’s fully integrated pharmacy has the unique ability to keep drug costs low — all while maintaining the safety, efficacy, and outcomes that define our organization.

Clinician-driven formulary

Our doctors and pharmacists select, test, and approve every medication on our formulary, from cost-saving generics to specialty drugs for chronic conditions.

Medication adherence programs

With a shared electronic health record, it’s easier and faster to monitor medication compliance, provide counseling, and stay up to date on prescribing practices.

Convenient prescription services

Whether it’s at a Kaiser Permanente pharmacy, retail location, or straight to their front door, your employees have many ways to order their  prescriptions.

Kaiser HMO formulary

A formulary is a list of drugs covered by your health plan. Your doctor and other providers use the formulary to help them choose the safest, most effective drugs for you. Find out what drugs are covered in your area by visiting, selecting your area and choosing the California Commercial formulary (3-Tier). Or click below.1

Northern California Formulary (pdf)

Southern California Formulary (pdf)


1. Formularies are regularly updated.

Getting care

Your doctor will build a care plan based on your needs and work with your care team to deliver high-quality, personalized care.

  • Preventive care to keep you healthy
  • Specialty care when you need it
  • Support for ongoing conditions

Get care in your language — with multilingual doctors and phone interpretation in more than 150 languages.

We've helped deliver millions of COVID-19 vaccines to our members, communities and underserved areas. Visit to search vaccine appointments.

You have flexible options to get care beyond the doctor’s office — and you can manage your care anytime with the Kaiser Permanente app or at

Video or phone appointment

Schedule a no-cost, video visit or phone appointment with a Kaiser Permanente care team and any specialists you’ve been referred to.


Schedule or cancel routine appointments.1

24/7 advice

Get on-demand support with 24/7 care advice by phone at no cost to you.

Prescription delivery

Fill most prescriptions for home delivery or same-day pickup.


Use our online symptom checker for certain conditions and get personalized care advice within a few hours, all at no cost to you.


Message your Kaiser Permanente doctor’s office with nonurgent questions at no cost to you, and get a reply usually within 2 business days.


Visit to learn more.

National Telehealth flyer to Getting Care


1. Available when you get care from Kaiser Permanente facilities.

If you get hurt or sick while traveling, you’re covered for emergency and urgent care anywhere in the world.

Outside of Kaiser Permanente States, members can get urgent and emergency care through Cigna’s PPO Network* providers and urgent care at various MinuteClinic (in select CVS and Target stores), Concentra urgent care centers.**

We can also help you before you leave town by checking to see if you need a vaccination, refilling eligible prescriptions, and more.

Just call us or go online:

24/7 Away from Home Travel Line: 951-268-3900***

More options while you’re away… to Getting Care


*The Cigna PPO Network refers to the health care providers (doctors, hospitals, specialists) contracted as part of the Cigna PPO for Shared Administration.

The Cigna PPO Network is not available to HMO and EPO members enrolled in coverage issued by Kaiser Foundation Health Plan of Washington and Kaiser Foundation Health Plan of Washington Options, Inc.

Cigna is an independent company and not affiliated with Kaiser Foundation Health Plan, Inc., and its subsidiary health plans. Access to the Cigna PPO Network is available through Cigna's contractual relationship with the Kaiser Permanente health plans. The Cigna PPO Network is provided exclusively by or through operating subsidiaries of Cigna Corporation, including Cigna Health and Life Insurance Company. The Cigna name, logo, and other Cigna marks are owned by Cigna Intellectual Property, Inc.

**Cigna, MinuteClinic, and Concentra coverage varies by plan

***This number can be dialed inside and outside the United States. Before the phone number, dial “001” for landlines and “+1” for mobile lines if you’re outside the United States. Long-distance charges may apply, and we can’t accept collect calls. The phone line is closed on major holidays (New Year’s Day, Easter, Memorial Day, July Fourth, Labor Day, Thanksgiving, and Christmas). It closes early the day before a holiday at 10 p.m. Pacific time (PT), and it reopens the day after a holiday at 4 a.m. PT.

Your thoughts and feelings affect your overall well-being.

Personalized support

Get help for a wide range of conditions, like anxiety, depression, substance use disorder, and autism spectrum disorders.

Specialized care teams

Find care with psychiatrists, psychologists, marriage and family therapists, and more. 

No referrals needed

Make an appointment for therapy within Kaiser Permanente without a referral.

Learn more at

We’re here to give you the care you need for a happy, healthy pregnancy.

A dedicated prenatal care team

Doctors and nurses help keep you and your baby healthy and empower you to make decisions. 

A personalized birth plan

We’ll help you have the safe, positive experience you want, starting with your first appointment.

Care and support every step of the way

From virtual and in-person tours of our private birthing suites to classes* and online resources to help answer the many questions of expecting parents. 


Learn more at


*Classes vary by location. Some classes may require a fee

When you’re managing a condition, you want to prioritize your health — not worry about whether your treatment will be covered. At Kaiser Permanente, your care and coverage are combined, so you can just focus on yourself. We’ll handle the rest.

Learn more about health and welness at

Coordinated, compassionate support.

There are many experiences of gender identity - and the journey to and through gender-affirming care is different for everyone. We're here to help you find the path that's right for you and provide the support you need along the way.

Our goal is your goal: for you to be healthy and thrive as your true self.

Learn more about gender-affirming care at Kaiser Permanente (pdf).

Healthy resources

Acupuncture, massage therapy, chiropractic care

Enjoy reduced rates on services to help you stay healthy.

Reduced rates on gym memberships

Stay active by joining a local fitness center, plus enjoy thousands of digital workout videos.

Healthy lifestyle programs

Connect to better health with online programs to help you lose weight, quit smoking, reduce stress, and more.

Wellness coaching

Get help reaching your health goals by working one-on-one with a wellness coach by phone.

2024 Healthy Resource guide pdf link to Healthy Resources


Note: These services aren't covered under your health plan benefits and aren't subject to the terms set forth in your Evidence of Coverage or other plan documents. These services may be discontinued at any time without notice.

The Headspace Care app (formerly called Ginger) offers 1-on-1 support for many common challenges - like anxiety, stress, low mood, relationship issues, and more. Adult members can use the app for 90 days a year at no cost.

What can you do with Headspace Care?

Text with a coach anytime, anywhere, 24/7 for 90 days.

Discuss goals, share challenges and create an action plan with your coach.

Get personalized, interactive skill-building tools from a library of more than 200 activities.

View recaps from each texting session, track progress and work with your coach to adjust your action plan as needed.


For questions about Kaiser Permanente products, plans, benefits, and eligibility or questions about, including activation, technical issues, registration issues, and password problems, contact the JP Morgan Chase dedicated phone number at Kaiser Permanente at 1-800-204-6561.

Ready to enroll?

Access the Benefits Web Center by going to 
MyHealth > Benefits Enrollment > Go to Enrollment

Contact JPMorgan Chase HRAnswers

1-877-576-2427 (U.S. Toll Free), Monday to Friday (except certain US holidays), 8 a.m. to 8:30 p.m. Eastern.