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.
No denial for medical history
Medical review is no longer required to purchase health insurance. By law, coverage cannot be denied to people because of pre-existing or ongoing medical conditions like cancer or diabetes.
New ways to get coverage
The new Health Insurance Marketplace offers a convenient way to purchase health insurance either online, in person, through the mail, or by phone. You may also obtain a Kaiser Foundation Health Plan of the Northwest plan directly through us or your producer.
Financial help is available
The federal government offers financial assistance for those that qualify. The amount of financial assistance will depend on your annual income and size of your household. The only way to receive federal financial assistance is by purchasing your health plan through the Health Insurance Marketplace.
Choose from a range of plans to fit your needs and budget. You can pick one plan for your entire family or separate plans for each person.
You can select from three levels of coverage — Bronze, Silver, and Gold.
All plan levels offer the same essential health benefits (such as doctor visits, hospital care, prescriptions, and maternity care) and include certain preventive services for no charge.
The levels reflect how you pay for coverage. Bronze plans generally offer lower premiums but higher out-of-pocket costs. Gold plans generally have higher premiums and lower out-of-pocket costs. The levels reflect how you pay for coverage, not the quality of the care provided.
There's also a catastrophic or minimum coverage plan for people under 30 or those who are able to prove financial hardship or lack of affordable coverage.
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?
Apple Health for Adults and Children: provide no or low cost health insurance coverage to low-income parents, children, seniors, and people with disabilities.
Oregon Health Planprovides 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 Child Health program offers full subsidy health and dental 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 public health care program. The participating school districts act as administrators for the program and are responsible for outreach and enrollment.
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 6 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.