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Medical Financial Assistance (MFA)
The MFA program provides financial assistance to qualified patients who are having difficulty paying their Kaiser Permanente medical or pharmacy bills.
Note: This award is not transferrable to other health care services outside of Kaiser Permanente.
MFA eligibility and guidelines
Think you might be eligible?
The level of financial assistance is based on two factors:
1. A patient whose yearly household income is less than or equal to 400% of the Federal Poverty Guidelines (“FPG”).
2. If you’re experiencing high medical expenses as compared to your income, regardless of household income.
Want to learn if you’re eligible? Use our eligibility calculator below
Want to apply for financial assistance?
Apply for financial assistance if you think you qualify. For ease, apply online. Additionally, you may apply using a paper application to mail, fax, or drop-off.
Once a completed application is received, you’ll hear back from us within 30 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.
Learn more about MFA
For more information about Medical Financial Assistance, read our frequently asked questions.
Counselors are available by telephone to provide information, determine MFA eligibility, or help with the MFA application process. Counselors can be reached at 1-800-390-3507 (TTY 711) Monday through Friday, 8 a.m. to 5 p.m., Pacific time.
Program materials
You can download the program application, plain-language summary, policy, and other documents below. These include translated and screen reader-accessible versions. Program information is also available at the Admitting, Emergency Room, and Patient Financial Advisors departments at any Kaiser Permanente medical office in Northern California.
Program materials
Program materials in other languages
Medical financial assistance documentsFor language assistance, interpreters are available to you at no cost. The application, policy, and policy summary may be available in your language. For more information, call 1-800-464-4000 or (TTY 711 ).
Accessible alternative formats include large print, Braille, and audio.
Helpful resources
Community Health Coverage Program (CHCP)
Kaiser Permanente’s Community Health Coverage program provides coverage and subsidies to qualified applicants that help pay for monthly premiums and most out-of-pocket medical costs at Kaiser Permanente facilities.
Kaiser Permanente Community Support Hub
If you need help with essentials like food, housing, or paying for internet or other utilities, visit kp.org/socialhealth. Or call the Kaiser Permanente Community Support Hub™ at 1‑800‑443‑6328 (TTY 711), Monday through Friday, 8 a.m. to 5 p.m.
Community health needs assessment (CHNA) is a process for determining the needs in a particular community or population through systematic, comprehensive data collection and analysis, and leveraging results to spur community change.
Online medical bill pay
With a kp.org account, you can view your medical bills and make payments online.
Guest pay
You may also use guest pay to make one-time medical bill payments on behalf of another member.
Payment plans
From your Billing Summary, review each of your medical bills and then select Set up a payment plan to begin making automatic monthly payments toward the balance.
Health Savings Accounts (HSA) & Health Reimbursement Arrangements (HRA)
An HSA is savings account that can be used to pay for medical expenses while an HRA is an employer-funded health plan that offers tax-free reimbursements for qualified medical expenses.
Notices to California residents
Hospital Bill Complaint program
The Hospital Bill Complaint program is a state program, which reviews hospital decisions about whether you qualify for help paying your hospital bill. If you believe you were wrongly denied financial assistance, you may file a complaint with the Hospital Bill Complaint program. For more information or to file a complaint, go to HospitalBillComplaintProgram.hcai.ca.gov.
Rosenthal Fair Debt Collection Practices Act
In the event your account has been assigned to a collection agency, state and federal law requires debt collectors to treat you fairly and prohibits debt collectors from making false statement or threats of violence, using obscene or profane language, and making improper communications with third parties, including your employer. Except under unusual circumstances, debt collectors may not contact you before 8 a.m. or after 9 p.m. In general, a debt collector may not give information about your debt to another person, other than your attorney or spouse. A debt collector may contact another person to confirm your location or to enforce a judgment. For more information about debt collection activities, contact the Federal Trade Commission at 1-877-FTC-HELP (382-4357) (TTY 711) or go to www.ftc.gov. Nonprofit credit counseling services may be available in your area.
Help paying your bills
There are free consumer advocacy organizations that will help you understand the billing and payment process. For more information, call the Health Consumer Alliance at 1-888-804-3536 (TTY 711) or go to healthconsumer.org.