When your circumstances change, Kaiser Permanente can offer you a wide variety of options to continue your health care coverage. But where do you begin?
The information below will help you navigate through the options and choose the plan thatís best for you and your family.
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.
This option may be for you if you are losing your group coverage.
HIPAA and Open Enrollment plans
- Conversion plans allow you to buy non-group coverage from your former group insurer. The benefits and coverage may differ from those you had on your group plan.
- If you are eligible, conversion plan applications are automatically mailed to you when you lose group coverage.
- To learn more about eligibility, benefits, and rates for our conversion plans, download our conversion brochure.♦
Visit our Web site on HIPAA and Open Enrollment plans to download an application and to learn more about eligibility, benefits, and rates.
- HIPAA Basic and Standard plans let you buy non-group coverage provided you meet federal eligibility requirements. HIPAA is health care coverage for individuals according to the Health Insurance Portability and Accountability Act (HIPAA).
- Open Enrollment Basic and Standard plans let you buy non-group coverage if you are a non-federally eligible individual. Open Enrollment is health care coverage for individuals who do not have any other options available to them.
For more information, call Customer Relations at 216-621-7100, 216-635-4444 (TTY for the hearing/speech impaired), or 800-686-7100 (toll free).
Looking for comprehensive coverage with lower premiums?
Our Signature Kaiser Permanente for Individuals and Families (KPIF) plans offer two types of coverage for individuals and families. Medical review is required.
Signature KPIF Deductible Plan offers low monthly premiums and fixed copayments for doctorís office visits. After youíve met your annual deductible, youíll only pay coinsurance for covered services. Dental and vision coverage is included.
HSA-qualified Signature Plan offers even lower premiums and more control over your health care costs. This plan offers a tax-free way to help you build savings for qualified medical expenses.* Dental coverage is included.
For more information, to get a quote, or to apply online, visit Kaiser Permanente for Individual and Family plans.
Are you a Medicare Plus member or a Medicare-eligible member?
Please visit our overview section for more information or call a Kaiser Permanente representative at 216-479-5400, 800-551-5353, (toll free), 216-479-5741 (TTY for the hearing/speech impaired), or 877-479-5741 (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.
Healthy Start provides health insurance coverage to uninsured children from families whose income levels are too high to be eligible for Medicaid.
The Health Coverage Tax Credit (HCTC) is a federal tax credit that pays a portion of qualified health premiums for eligible trade-impacted workers and certain Pension Benefit Guaranty Corporation (PBGC) benefit recipients.
If you donít qualify for other public programs, but you still need 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. Our CHC program provides access to health coverage and quality care within Kaiser Permanente and only is available to uninsured low-income persons who are ineligible for public programs such as Medicaid, or Medicare.
The Transition Plan is an HMO plan, with prescription coverage, at significantly lower premiums for low income persons. A limited number of applications for the Transition Plan are made available each month. Call 216-479-5099 for a recorded message with information on how to access an application.
You might be eligible for assistance through Kaiser Permanente's Medical Financial Assistance (MFA) program. This program provides temporary financial assistance to low-income people in need of health care services, regardless of whether they have coverage or are uninsured.
The MFA program is based on household income, and is generally available to those persons in greatest financial need and for whom no other community resources are available. There is an annual cap on the amount of financial assistance available per person, and the program may be limited based on available funding.
A case-by-case review of your situation may occur at any income level and may result in financial assistance.
If you qualify for assistance, you must receive your care at Kaiser Permanente facilities and through our providers, even if you have coverage elsewhere. In the event you do not qualify for assistance, you may be offered a discount if your income meets certain federal poverty guidelines.
For information, call 216-265-8833, Monday through Friday, 8:30 a.m. to 4 p.m.
Access to Care may offer care for Summit County residents with participating Kaiser Permanente physicians.
Kaiser Permanente physicians are participating in Access to Care, which provides care for low-income, uninsured patients who donít have access to public programs like Medicare or Medicaid.
For more information, call Healthy Connections at 330-315-0209 or visit Access to Care.
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 visit 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.