Cascade Mountains
CITIES: Brightwood, Camp Sherman, Cascade Locks, Cascadia, Chemult, Chiloquin, Crescent, Crescent Lake, Detroit, Diamond Lake, Drew, Estacada, Fort Klamath, Gates, Gilchrist, Government Camp, Idanha, Klamath Agency, La Pine, Lakeview, McKenzie Bridge, Mill City, North Umpqua, Oakridge, Prospect, Rhododendron, Sandy, Sisters, Sunriver, Warm Springs, Welches, Westfir, Zigzag
AREAS: Crater Lake National Park, Deshutes National Forest, Fremont National Forest, Mount Hood National Forest, Rogue River National Forest, The Three Sisters, Umpqua National Forest, Willamette National Forest, Winema National Forest

Central Oregon
CITIES: Antelope, Arlington, Bend, Brothers, Condon, Culver, Dufur, Fossil, Grass Valley, Hampton, Lonerock, Madras, Maupin, Metolius, Mitchell, Moro, Mosier, Paulina, Post, Prineville, Redmond, Rowena, Rufus, Shaniko, Spray, The Dalles, Wasco

Northeast Oregon
CITIES: Adams, Arlington, Athena, Baker City, Boardman, Canyon City, Condon, Cove, Dayville, Echo, Elgin, Enterprise, Fossil, Greenhorn, Haines, Halfway, Heppner, Hermiston, Huntington, Imbler, Imnaha, Irrigon, Island City, John Day, Joseph, La Grande, Lexington, Long Creek, Lostine, Medical Springs, Milton-Freewater, Monument, Mt Vernon, North Powder, Oxbow, Pendleton, Pilot Rock, Prairie City, Richland, Seneca, Summerville, Sumpter, Ukiah, Umatilla, Union, Unity, Wallowa, Weston
AREAS: Hell's Canyon

Oregon Coast
North Coast
Astoria, Bay City, Beaver, Cannon Beach, Garibaldi, Gearhart, Hebo, Nehalem, Manzanita, Neahkahnie, Oceanside, Pacific City, Rockaway Beach, Seaside, Tillamook, Warrenton, Wheeler
Central Coast
Depoe Bay, Dunes City, Florence, Gleneden Beach, Lincoln City, Mapleton, Newport, Otter Rock, Reedsport, Seal Rock, Siletz, Toledo, Waldport, Winchester Bay, Yachats
South Coast
Agness, Bandon, Brookings, Charleston, Coos Bay, Coquille, Gold Beach, Lakeside, Myrtle Point, North Bend, Port Orford, Powers, Wedderburn

Portland and Vicinity
Banks, Barlow, Beaverton, Camas, Canby, Clackamas, Clatskanie, Columbia City, Cornelius, Forest Grove, Gaston, Gresham, Happy Valley, Hillsboro, Lake Oswego, Marquam, Milwaukie, Molalla, North Plains, Oregon City, Portland, Rainier, Sandy, Scappoose, St. Helens, Tigard, Troutdale, Tualatin, Vernonia, West Linn, Wilsonville

Southeast Oregon
Adel, Adrian, Burns, Diamond, Drewsey, Frenchglen, Hines, Jordan Valley, Juntura, Lakeview, Nyssa, Ontario, Plush, Vale

Southern Oregon
CITIES: Ashland, Butte Falls, Cave Junction, Canyonville, Central Point, Dillard, Drain, Eagle Point, Elkton, Glendale, Glide, Gold Hill, Grants Pass, Jacksonville, Klamath Falls, Malin, Medford, Merlin, Myrtle Creek, Oakland, Phoenix, Prospect, Riddle, Rouge River, Roseburg, Shady Cove, Sutherlin, Talent, Umpqua, White City, Winchester, Winston, Wolf Creek, Yoncalla
AREAS: Applegate Valley, Illinois Valley

Willamette Valley
Albany, Alsea, Amity, Aumsville, Aurora, Brooks, Brownsville, Canby, Canyonville, Carlton, Corvallis, Coburg, Cottage Grove, Creswell, Culp Creek, Dallas, Dayton, Detroit, Donald, Dundee, Eugene, Falls City, Gates, Gervais, Halsey, Harrisburg, Independence, Jefferson, Junction City, Keizer, Lebanon, Lowell, Lyons, McMinnville, Mill City, Millersburg, Mt.Angel, Molalla, Monmouth, Newberg, Oakridge, Oregon City, Philomath, Salem, Scio, Scott Mills, Sheridan, Silverton, Sodaville, Springfield, Stayton, St. Paul, Sublimity, Sweet Home, Tangerit, Turner, Veneta, Walterville, Waterloo, Willamina, Woodburn, Yamhill

Kaiser permanente

Kaiser Permanente

Medical staff directory

Facility directory

1-800-813-2000

"Look for your provider before receiving services"

2015 Health Plans and Rates Brochure "Click this Link"

Get started today

This booklet will show you how to find a new plan that best fits your needs.

Comparing health plans........1

Health plan benefit highlights....................2

Monthly rates...........................6

Dental insurance plans...........8

Getting financial help...........10

When to enroll in your plan............................11

Experience the KaiserPermanente difference.........12

Please note: These rates do not include the federal financial assistance you may be eligible for.
2015 Monthly rates

Individuals and Families Plans

Tobacco non-user rates
Age on 2015 effective date	KP OR Catastrophic	KP OR Bronze 5000/50% HSA Standard	KP OR Bronze 4500/50/HSA	KP OR Bronze 4500/50	KP OR Silver 2500/35 Standard (includes all CSR variations)	KP OR Silver 1750/25% HSA (includes all CSR variations)	KP OR Silver 1500/30 (includes all CSR variations)	KP OR Standard Gold Plan	KP OR Gold 1000 /20	KP OR Gold 0/20
<21	$82	$91	$95	$112	$122	$122	$129	$144	$144	$156
21–24	129	143	150	177	193	192	203	227	226	245
25	130	143	151	178	193	192	203	228	227	246
26	132	146	154	181	197	196	207	232	232	251
27	135	150	158	185	202	201	212	238	237	257
28	140	155	163	192	209	208	220	247	246	266
29	145	160	168	198	216	215	227	254	253	274
30	147	162	171	201	219	218	230	258	257	278
31	150	165	174	205	223	222	235	263	262	284
32	153	169	178	209	228	227	240	268	268	290
33	155	171	180	212	231	230	243	272	271	293
34	157	173	183	215	234	233	246	276	275	297
35	158	174	184	216	235	234	247	277	276	299
36	159	175	185	218	237	236	249	279	278	301
37	160	177	186	219	239	237	251	281	280	303
38	161	178	187	220	240	239	252	283	282	305
39	163	180	190	223	243	242	256	286	285	309
40	165	182	192	226	246	245	259	290	289	313
41	168	186	196	230	251	250	264	295	295	319
42	171	189	199	234	255	254	268	301	300	325
43	175	194	204	240	261	260	275	308	307	332
44	181	199	210	247	269	268	283	317	316	342
45	187	206	217	256	278	277	292	328	327	354
46	194	214	226	265	289	288	304	340	339	367
47	202	223	235	277	301	300	317	355	354	383
48	211	233	246	289	315	313	331	371	370	401
49	220	243	257	302	329	327	346	387	386	418
50	231	255	269	316	344	342	362	405	404	438
51	241	266	280	330	359	358	378	423	422	457
52	252	278	294	345	376	374	395	443	442	478
53	264	291	307	361	393	391	413	463	461	500
54	276	305	321	378	411	409	432	485	483	523
55	288	318	335	395	430	427	452	506	504	546
56	302	333	351	413	450	447	473	529	528	572
57	315	348	367	431	470	467	494	553	551	597
58	329	364	383	451	491	488	516	578	576	624
59	336	371	391	461	502	499	527	591	589	638
60	351	387	408	480	523	520	550	616	614	665
61	363	401	423	497	541	539	569	638	636	688
62	371	410	432	508	554	551	582	652	650	704
63	382	421	444	522	569	566	598	670	668	723
64+	387	429	450	531	579	576	609	681	678	735

Please note: These rates do not include the federal financial assistance you may be eligible for.
2015 Monthly rates

Individuals and Families Plans

Tobacco user rates
Age on 2015 effective date	KP OR Catastrophic	KP OR Bronze 5000/50% HSA Standard	KP OR Bronze 4500/50/HSA	KP OR Bronze 4500/50	KP OR Silver 2500/35 Standard (includes all CSR variations)	KP OR Silver 1750/25% HSA (includes all CSR variations)	KP OR Silver 1500/30 (includes all CSR variations)	KP OR Standard Gold Plan	KP OR Gold 1000 /20	KP OR Gold 0/20
<21	$82	$91	$95	$112	$122	$122	$129	$144	$144	$156
21–24	155	171	180	212	231	230	243	272	271	294
25	156	172	181	213	232	231	244	273	273	295
26	159	175	185	217	237	236	249	279	278	301
27	163	179	189	223	242	241	255	285	284	308
28	169	186	196	231	251	250	264	296	295	320
29	174	192	202	238	259	257	272	305	304	329
30	176	194	205	241	262	261	276	309	308	334
31	180	198	209	246	268	267	282	316	315	341
32	183	203	213	251	274	272	288	322	321	348
33	186	205	216	254	277	276	291	326	325	352
34	188	208	219	258	281	279	295	331	330	357
35	190	209	221	259	283	281	297	333	332	359
36	191	211	222	261	284	283	299	335	334	362
37	192	212	223	263	286	285	301	337	336	364
38	193	213	225	265	288	287	303	339	338	366
39	196	216	228	268	292	290	307	344	343	371
40	198	219	231	271	296	294	311	348	347	376
41	202	223	235	276	301	299	316	355	353	383
42	205	227	239	281	306	305	322	361	360	390
43	210	232	245	288	314	312	330	370	368	399
44	217	239	252	297	323	321	340	380	379	411
45	224	247	261	307	334	332	351	393	392	425
46	233	257	271	318	347	345	365	408	407	441
47	242	268	282	332	361	360	380	426	424	459
48	254	280	295	347	378	376	397	445	444	481
49	265	292	308	362	394	392	415	465	463	502
50	277	306	322	379	413	411	434	486	485	525
51	289	319	337	396	431	429	453	508	506	548
52	303	334	352	414	451	449	474	532	530	574
53	316	349	368	433	472	469	496	556	554	600
54	331	366	385	453	494	491	519	581	580	628
55	346	382	402	473	516	513	542	607	605	656
56	362	399	421	495	539	537	567	635	633	686
57	378	417	440	517	564	561	592	664	662	716
58	395	436	460	541	589	586	619	694	692	749
59	404	446	470	553	602	599	633	709	707	765
60	421	465	490	576	628	624	660	739	737	798
61	436	481	507	597	650	646	683	765	763	826
62	446	492	518	610	664	661	698	782	780	845
63	458	505	533	627	683	679	717	804	801	868
64+	465	513	540	636	693	690	729	816	813	882

Kaiser Permanente Oregon Individuals and Families Plans

As your partner in health, we are committed to providing you with the information you need to make important decisions about your health care coverage so you get the plan that’s right for you and your family.

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.

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.

g 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.

g 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.

Individuals and Families Plans

Open enrollment

There’s a deadline to apply for health care coverage. You can apply starting November 15, 2014, through February 15, 2015. This is called the open enrollment period. It’s when you can enroll in health plans through the Health Insurance Marketplace or directly through Kaiser Permanente.

To enroll during this 2015 open enrollment period, you must make sure we receive your completed Application for Health Coverage — along with your first month’s premium — no later than February 15, 2015.

Special enrollment

After open enrollment, you can still enroll during special enrollment periods in the case of certain events that change your status. Special enrollment periods last 60 days after any of these events, which may include the following:

g marriage

g birth or adoption of a child

g divorce

g loss of job and employer-sponsored coverage

Be sure to submit a letter about your special event within 10 days of submitting your application or else your application will be canceled. The letter should include your name and address as submitted on the application, explain the triggering event that occurred, and include the date of the event. If you’re completing a paper application, please send this letter along with the application and your first month’s premium.

For more information, go to buykp.org/apply to download the Enrolling During a Special Enrollment Period guide, or contact your producer.

Open enrollment period — November 15, 2014, through February 15, 2015
If you want your coverage to start on:	Your completed application and first month’s premium must be received by:
January 1, 2015	November 15, 2014 — December 15, 2014
February 1, 2015	December 16, 2014 — January 15, 2015
March 1, 2015	January 16, 2015 — February 15, 2015

Special enrollment period — February 16, 2015, through November 15, 2015
Enrolling outside open enrollment due to a life-changing event
If you want your coverage to start on:	Your completed application, first month’s premium, and letter confirming your special event must be received by:
April 1, 2015	February 16, 2015 – March 15, 2015
May 1, 2015	March 16, 2015 — April 15, 2015
June 1, 2015	April 16, 2015 — May 15, 2015
July 1, 2015	May 16, 2015 — June 15, 2015
August 1, 2015	June 16, 2015 — July 15, 2015
September 1, 2015	July 16, 2015 — August 15, 2015
October 1, 2015	August 16, 2015 — September 15, 2015
November 1, 2015	September 16, 2015 — October 15, 2015
December 1, 2015	October 16, 2015 — November 15, 2015

You may qualify for financial assistance

If you need help paying for health care, you may qualify for federal financial assistance. Under health care reform, the federal government will provide financial assistance for people with qualifying incomes. Here’s some information to help you find out whether you may be eligible.

Federal financial assistance is available

You can apply for financial assistance from the federal government to help pay for care and coverage under our new 2015 plans.

g Help with premiums and out-of-pocket expenses (deductibles, copayments, coinsurance) will be available only if you buy your Kaiser Foundation Health Plan of the Northwest coverage through the Health Insurance Marketplace.

g If you are eligible, the federal government will pay the financial assistance to us directly.

g Assistance will be on a sliding scale, based on modified adjusted gross income and family size.

Do you qualify for assistance with monthly premiums?

This chart shows the approximate (estimated) family income levels that qualify people for help. The numbers change slightly every year, so it’s important to contact us directly. The chart below is just a guide.

You can also use our online calculator to find out if you may qualify for federal financial assistance. Just go to buykp.org.

NUMBER OF PEOPLE IN HOUSEHOLD	ANNUAL FAMILY INCOME LEVELS TO QUALIFY
1	$46,680 or below
2	$62,920 or below
3	$79,160 or below
4	$95,400 or below
5	$111,640 or below
6	$127,880 or below
7	$144,120 or below
8	$160,360 or below

You can also use our online calculator to find out if you may qualify for federal financial assistance. Just go to buykp.org.

What should you do next?

Go to healthcare.gov to see if you qualify for assistance. You’ll also be able to enroll in one of our plans there.

Please note that if you have the option of receiving health coverage through your employer, you may not be eligible for federal financial assistance.

To avoid being double billed, if you enroll in a plan through the Health Insurance Marketplace, you must cancel your current plan through Kaiser Foundation Health Plan of the Northwest on or before the effective date of your new plan.

What if you don’t qualify for assistance?

You have 2 choices:

g You can still purchase your ACA-compliant plan through the Health Insurance Marketplace.

g Or you can continue your coverage directly with us.

Either way, your plan will offer the same benefitsand services.

Have questions?

We’ve got answers. We’ll help you decide which plan is best for you, even if you apply through healthcare.gov. Call our Member Service Contact Center at 1-800-759-0584 (TTY 711 for the deaf, hard of hearing, or speech impaired), or contact your producer.

Oregon benefit summaries 2011

Application (pdf)

Dental Plan 1,2 & 3 (pdf)

Rates 2011

Health Benefit Solution, Inc.

The focus of this website is to provide consumers a simple, and professional environment when looking for Affordable, and Low Cost Health Insurance. Licensed Health Insurance Agents are available and will take the time to answer all your questions, and help find the Health Plan that best meets the needs of the Individual, Family, or Small Business.

Health Insurance Benefits are always changing, and health insurance companies are providing more options that benefit the consumer. Alternative, or Holistic health care is now offered through many of the health insurance companies. You can now see your Naturopathic Physician, and be covered under the doctor office co-pay, and have unlimited visits. Chiropractic, and Acupuncture are also included as standard health care benefits.

If you are looking for Dental and Vision benefits included within the health plan, we can help you select the Health Insurance Company that will meet your needs.

Health Benefit Solution, Inc is licensed through the Oregon Insurance Division, and has contracted with most all the major health insurance companies to provide the consumer with choice and options when looking for the plan that meets the life style and needs of the insured.

Learn more about Kaiser

As a health care organization in the 21st century, we have a mission--to provide quality care for our members and their families, and to contribute to the well-being of our communities. See how we dedicate ourselves to this mission.

Henry Kaiser's revolutionary ideas about health care helped give birth to Kaiser Permanente. Learn how we became one of America's leading health care organizations, delivering quality care to more than 8 million members.

Kaiser Permanente began at the height of the Great Depression with a single inventive young surgeon and a 12-bed hospital in the middle of the Mojave desert.

When Sidney R. Garfield, MD, saw the thousands of men involved in building the Los Angeles Aqueduct, he also saw something else—an opportunity to provide health care for those workers. He borrowed money to build Contractors General Hospital, six miles from a tiny town called Desert Center, and began treating sick and injured workers. But financing was difficult, and Dr. Garfield had trouble getting the insurance companies to pay his bills on time. And though not all of the men had insurance, he refused to turn away any sick or injured worker. As a result, often he was not paid for his services. And it wasn't long before the hospital's expenses were far greater than its income.

Enter Harold Hatch, an engineer-turned-insurance-agent. Hatch approached Dr. Garfield with the idea that insurance companies pay a fixed amount per day, per covered worker, up front. This would solve the hospital's immediate money troubles, and also let Dr. Garfield put one of his pioneering medical ideas into practice: emphasizing prevention. By keeping people healthy and treating them early on to prevent more serious problems later—rather than merely treating illness and injury—Dr. Garfield introduced a new kind of care.

And so, along with preventive care, prepayment was born. For only 5 cents per day, workers received this new form of health coverage. For an additional 5 cents per day, workers could also receive coverage for non-job-related medical problems. Thousands of workers enrolled, and Dr. Garfield's hospital became a financial success.

But this was just the beginning.

Kaiser Permanente is the largest nonprofit health plan* in the United States, serving 8.6 million members in nine states and the District of Columbia. We are an integrated health delivery system, which means that we provide and coordinate the entire scope of care for our members, including:

preventive care
well-baby and prenatal care
immunizations
emergency care
screening diagnostics
hospital and medical services
pharmacy services

As a nonprofit health plan, we are driven by the needs of our members rather than the needs of shareholders. We also believe that we have a responsibility to serve the communities in which we operate. Some of our community activities include:

providing assistance to the uninsured and special populations
training new health professionals
introducing new delivery methods into the health care field
developing and sharing better ways of caring for patients

Learn more about our executives and board of directors.

Kaiser Permanente provides prepaid health care (including Medicaid and Medicare) to people living in the Portland/Vancouver metropolitan area, as well as the communities of Longview and Kelso, Washington, and Salem, Oregon. Enrollment in the region's medical program now stands at more than 480,000.

At Kaiser Permanente, one of our core values has always been to improve the health of the community, as well as the health of our members. For nearly 60 years, we have shown our commitment to this through a variety of programs and activities.

We know that good corporate citizenship benefits our communities. Social responsibility and community involvement are part of our legacy, and are crucial to our mission—caring for the communities we serve and making them better places to live and work.

Through partnerships with community groups, schools, and government organizations, we work to benefit the community at large by addressing issues and concerns that affect its overall health.

Our community stories
Discover the personal voices of the people of Kaiser Permanente as they share their own experiences and perspectives.

FAQ about our medical care
Get answers to frequently asked questions about how we provide medical care and address important health care issues.

Kaiser permanente

In the desert, a new kind of health care begins to grow

About us

Our leadership

Kaiser Permanente—Northwest

A tradition of community involvement