Kaiser Permanente NW plans
Only employees who live in Clark County or Cowlitz County in Washington State, or selected counties in Oregon can enroll in the Kaiser Permanente NW plans. If you do live in one of these counties, you have the option of enrolling either in a Kaiser Permanente NW plan or in the UMP Classic or CDHP plan.
Use the information on this page for help choosing the plan that’s best for you and your family. You can find step-by-step instructions for enrolling in benefits on the Integrated Service Center’s website.
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 NW Classic||Kaiser Permanente NW search|
|Kaiser Permanente NW CDHP||Kaiser Permanente NW search|
Copayments or coinsurance?
With coinsurance, the costs you pay for services are calculated as a percentage (for example, 20 percent). Insurance pays the remaining percentage of the cost. With copayments, on the other hand, you pay a fixed amount (for example, $20).
Generally, you’ll pay coinsurance after you visit the doctor when the bill arrives in the mail. Copayments are usually made at the doctor’s office when you receive the service.
While plans using coinsurance are more common, some people prefer plans with copayments because costs are more predictable.
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.
|Primary care visit
|Kaiser Permanente NW Classic||$172||$300||$25|
|Kaiser Permanente NW CDHP||$25||$1500||$20|
Complete table of Employee monthly medical premiums 2023.
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.
2023 plan summaries
|Plan||Certificate of Coverage (2023)||Summary of Benefits
and Coverage (2023)
|Kaiser Permanente NW Classic||View (PDF)||View (PDF)|
|Kaiser Permanente NW CDHP||View (PDF)||View (PDF)|
Prescription drug 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 benefits are part of your medical plan. Providers can be found in the provider directory, or by contacting the medical plan.
Plan ID Cards
After you enroll, your health plan will send you an identification (ID) card to show to providers when you receive care. If you have questions about your ID card, contact your plan directly.