Benefits

Kaiser Permanente plans

Only employees who live in Clark county or Cowlitz county can enroll in the Kaiser Permanente plans. If you do live in one of these counties, you have the option of enrolling either in a Kaiser Permanente plan or in the UMP Classic or CDHP plan.

Enroll

You’re eligible to enroll in a Kaiser Permanente plan if you’re eligible for PEBB benefits and live in either Clark or Cowlitz county.

If you already know which plan you want, see enroll in a medical and dental plan to enroll. Use the information on this page for help choosing the plan that’s best for you and your family.

Provider networks

A plan’s network consists of doctors, clinics, hospitals, specialists, and other health care providers. By using providers within your network, your health care costs will be significantly lower than if you use providers outside your network.

To browse each plan’s network or to find a specific provider, either call the plan directly or use the plan’s web search tool.

Plan Find a provider online
Kaiser Permanente Classic Kaiser Permanente search
Kaiser Permanente CDHP Kaiser Permanente search

Cost overview

The two Kaiser Permanente plans offer you two very different cost options. As is always the case with health insurance, it’s best to consider not only the premium but also the costs for using services, such as the deductible.

The Classic plan is a traditional health plan while the CDHP plan is a high-deductible style plan, which means that in return for taking on the financial risk of a high deductible, you pay a significantly lower premium. You also get a Health Savings Account to help pay for medical costs. Learn more about how CDHPs and HSAs work.

The table shows a sample of costs to help you quickly compare plans. For a full list of costs, refer to the Certificate of Coverage.

Plan Employee premium
(per month)
Deductible
(per year)
Primary care visit
(your cost)
Kaiser Permanente Classic $144 $300 $25
Kaiser Permanente CDHP $29 $1400 $20

Coverage overview

While all plans cover the same basic health care services, you may want to know whether or not a certain service is covered by the plan. The most direct way to find out is to call the plan and ask. Alternatively, you can read the plan’s Certificate of Coverage (also called the benefits booklet), which describes the plan in detail. These booklets are long, but they can be helpful if you need to know something specific.

If you simply want an overview of a plan’s coverage and costs, take a look at the plan Summary of Benefits and Coverage, an easy-to-read summary that lets you quickly review health plans. You can compare options based on price, benefits, and other features that may be important to you.

To view plan details side by side and directly compare coverage and costs, use the state’s medical benefit comparison tool.

Plan Certificate of Coverage Summary of Benefits
and Coverage
Kaiser Permanente Classic View (PDF) View (PDF)
Kaiser Permanente CDHP View (PDF) View (PDF)
Prescription drug coverage

Both plans use copayments, rather than coinsurance, for prescription coverage. Coverage is tiered: the amount you pay increases as you move up the tiers from the least expensive, generic drugs to the more expensive, specialty drugs.

You can find complete details about prescription drug coverage by reviewing the plan’s Certificate of Coverage.

Vision coverage

Generally, vision benefits are part of your medical plan. Providers can be found in the provider directory, or by contacting the medical plan.