Health Plans

Kaiser Permanente

Kaiser Permanente in Washington

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.

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 WA Healthplan Finder.

Plan choices

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.

A primary care provider and Plan specialists

  • Choose a dedicated personal provider close to you
  • Get easy referrals to Plan specialists from your personal provider
  • Change your personal provider for any reason

Convenience

  • Numerous medical facilities in our Northwest region to serve you
  • Primary care, X-ray, pharmacy, and laboratory services in one location (available at most Kaiser Permanente facilities) means that you can save time with one-stop service
  • Same-day urgent care at many locations
  • Emergency care covered anywhere in the world
  • Routine appointment scheduling and prescription refill ordering online
  • No claim forms to fill out when you receive care from Kaiser Permanente Plan providers

10 Essential Benefits

Healthcare reform says all health plans must include ten essential benefits. The basic benefits include:

  1. Outpatient Care - the kind you get without being admitted to a hospital
  2. Emergency Services - for issues that could lead to death or disable you if you do not treat them.
  3. Inpatient Care - covers room and board, tests, drugs, and care from doctors and nurses while admitted, which may include organ and tissue transplants, and hospice and respite care.
  4. Maternity and Newborn Care - care before and after your baby is born
  5. Mental Health and Substance Use Disorder Services - this includes behavioral health treatment, counseling, and psychotherapy.
  6. Prescription Drugs - covers retail, mail order, and specialty drugs.
  7. Rehabilitative and Habilitative Services - services and devices to help you recover if you are injured, or have a disability or chronic condition. This includes physical and occupational therapy, speech-language pathology, psychiatric rehabilitation, and more.
  8. Laboratory Services - covers lab tests, X-ray services, and pathology, and imaging and diagnostics such as MRI, CT scan, and PET scan.
  9. Preventive and Wellness Services - including mammograms, colonoscopies, vaccines. Covered in full if you use in-network providers for care such as routine physicals, screening, and immunizations. Disease management coordinates care for diabetes, asthma, and other conditions.
  10. Pediatric Services - including dental care (preventive, basic, major) and vision care (eye exam, lenses, and eyewear).