Do you prefer a plan that doesn't require a medical review? Do you want coverage that's the same or similar to what you had through your employer without a lapse in coverage?
If you lose your group coverage, your employer group may offer COBRA continuation coverage. If your employer group does not offer COBRA coverage, you may be eligible for other group continuation coverage. Both types of group continuation coverage require no medical review. For more information, check with your employer group.
General information about COBRA eligibility, and potential financial assistance that may be available, may be found at the U.S. Department of Labor Web site.
Conversion plans also give you the opportunity to buy non-group coverage from your former group insurer. You'll experience no lapse in coverage, and no medical review is required. To qualify, we must receive your completed application no later than 30 days after you received notification that your group coverage is ending, to ensure that you have no lapse in coverage. After a lapse in coverage has occurred, this option is not available. For more information in the Portland area, please call Member Services at 503-813-2000. In all other areas, call 800-813-2000 (toll free) or 800-735-2900 (toll-free TTY for the hearing/speech impaired).
Washington residents may download a brochure on keeping your medical coverage.♦
You may also be interested in converting to one of our portability plans, which offer a range of benefits similar to your group plan. Some benefits and out-of-pocket costs will differ.
Oregon non-deductible plans♦
Oregon deductible plans♦
Oregon Added Choice deductible plan♦
Looking for comprehensive coverage?*
If you have small children, want predictable out-of-pocket expenses, or need to see the doctor often, then one of our Individual and Families Copayment Plans may be right for you. You'll know in advance exactly how much you'll pay for prescriptions or visits to the doctor. Medical review is required.
Want lower premiums?*
If you rarely need to see the doctor or want coverage mostly for the big things, you may consider one of our Individual and Families Deductible Plans. You pay lower monthly premiums and a higher share of the costs in deductibles, copayments, and coinsurance for covered services. Medical review is required.
Want a savings plan for medical expenses? Do you see a doctor mostly for preventive care?*
If you want lower premiums or want more control over health care costs, then check out our Individuals and Families HSA-Qualified Deductible Plans. They offer traditional medical coverage, lower premiums, and a tax-free way to help you build savings for qualified medical expenses. Medical review is required.
Are you a Senior Advantage member or a Medicare-eligible member?
Please visit our overview section for more information or call Membership Services at 877-221-8221 (toll free) or 800-735-2900 (toll-free TTY for the hearing/speech impaired), seven days a week, 8 a.m. to 8 p.m.
Not sure if you can afford health coverage? Think you might qualify for aid from the government?
Medicaid plans provide health insurance coverage to low-income parents, children, seniors, and people with disabilities.
State Children's Health Insurance Program (SCHIP) is low-cost insurance for children and teens. It provides health, dental, and vision coverage to children who do not have insurance and do not qualify for free Medicaid.
Oregon Health Plan provides health insurance coverage to low-income parents, children, seniors, and people with disabilities, as well as coverage to uninsured children from families whose income levels are too high to be eligible for Medicaid.
If you have no other source of coverage, check out Kaiser Permanente's own Charitable Health Coverage programs.
Charitable Health Coverage (CHC) is Kaiser Permanente's unique approach to caring for low-income uninsured persons in our communities. CHC programs provide access to health coverage and care within Kaiser Permanente and only are available to uninsured low-income persons who are ineligible for employer subsidized coverage or public programs such as Medicaid, Medicare, or CHIP (SCHIP, Oregon Health Plan).
The Transitions program is a fully subsidized health insurance program for eligible low-income families. Eight college campuses currently participate within our area. Students must be enrolled in a participating college campus school, meet the financial criteria, and cannot be eligible or enrolled in private or pubic health programs. Graduates are eligible for six months of coverage, or until other coverage is activated (not to exceed 48 months).
The Child Health program offers full subsidy health insurance for eligible low-income
students, who must be enrolled in a participating school, meet the financial criteria,
and cannot be eligible or enrolled in another private or pubic health care program. The participating
school districts act as administrators for the program and are responsible for outreach and
The Washington Basic Health Plan offers quality low-cost health coverage to eligible people who live in Washington State, and is managed by the Washington Health Care Authority (HCA). Kaiser Permanente provides services to eligible participants who reside in Clark or Cowlitz counties.
For more information in the Portland area, please call Member Services at 503-813-2000. In all other areas, call 800-813-2000 (toll free) or 800-735-2900 (toll-free TTY for the hearing/speech impaired).
If you have no coverage but still require medical care, you might be eligible for assistance through the Medical Financial Assistance program.
Kaiser Permanente's Medical Financial Assistance program (MFA) provides temporary financial assistance to low income or uninsured people who are in need of health care services, which are provided at Kaiser Permanente facilities and through our providers. MFA is generally available to those patients in greatest financial need and covers medically necessary services for care received or at a discount.
Insured patients whose income falls under 200% of the Federal Poverty Guidelines may be eligible if their plan requires they pay cost shares such as deductibles, co-insurance, and/or copayments. Those whose income is over 200% of the Federal Poverty Guidelines but who have special circumstances or a catastrophic event may also be eligible.
A case-by-case review of your situation may occur at any income level and may result in financial assistance. In the event you do not qualify for free care, you may be offered a discount if your income meets certain federal poverty guidelines.
For information, call 503-813-2000, Monday through Friday, 8 a.m. to 5 p.m.
How do I know if my income falls under the guidelines?
View the federal poverty guideline charts. To calculate income level at 200 percent of the federal poverty guidelines, multiply by 2; for 300 percent, multiply by 3; and so on.
Interested in finding resources available to you in your community?
We can help put you in touch with many resources, such as food, energy, tax, pharmacy, and health care assistance, and provide easy access to applications for these programs.
To complete this confidential assessment, please go to the BenefitsCheckUp Web site.
Federally funded health centers care for you, even if you have no health insurance. You pay what you can afford, based on your income. To locate a center near you, visit the Health Resources and Services Administration Web site.