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With our consumer-directed health care (CDHC) options — deductible plans paired with one of our health payment accounts — you get what you’re looking for. It’s a solution with advantages for your employees and your business.
The fastest growing form of health care coverage in the U.S.
— Towers Watson/National Business Group on Health, April 2014.
Customized solutions for more affordable care
No matter which deductible plan and health payment account you choose to pair together, you and your employees will get a wealth of features and benefits that’ll help you get the most out of your health care strategy.
Choose from three types of health payment accounts administered through Kaiser Permanente:
Health Reimbursement Arrangement (HRA)
Employees have the option of using employer-contributed funds to pay for qualified medical expenses on a tax-free basis.1 Several HRA types are available, ranging from comprehensive to more limited coverage.
Health Savings Account (HSA)
Employees own their HSA, which can be used to pay for qualified medical expenses. 2 The money employees contribute to this account through payroll withholdings isn’t considered part of their wages, so they won’t be taxed on it.
Flexible Savings Account (FSA)
Employees make pretax contributions to a savings account they can use to pay for a wide range of qualified medical expenses — including doctor visits, prescription drugs, lab tests — or dependent care expenses such as child care. 3
DID YOU KNOW
With our enhanced administrative capabilities, you can spend less time managing your employees’ health care expenses and more time moving your business forward. And you and your employees can get the administrative support you need from our dedicated Health Payment Services team, from setup to day-to-day management.
flexible account options
integrated enrollment and eligibility management
a convenient portal for administration
automated reports and notifications on balances, reimbursements, and more
live phone and email support
Your employees get:
a convenient method of payment or reimbursement, including preloaded debit cards that automatically deduct qualified expenses from their account (available for some accounts)
the ability to access and manage their personal health information and health payment account via kp.org
live phone and email support
a mobile app to track expenses, file claims, and manage their account
the ability to submit HRA and FSA claims using cameras4
Kaiser Permanente health plans around the country: Kaiser Foundation Health Plan, Inc., in Northern and Southern California and Hawaii • Kaiser Foundation Health Plan of Colorado • Kaiser Foundation Health Plan of Georgia, Inc., Nine Piedmont Center, 3495 Piedmont Road NE, Atlanta, GA 30305 • Kaiser Foundation Health Plan of the Mid-Atlantic States, Inc., in Maryland, Virginia, and Washington, D.C., 2101 E. Jefferson St., Rockville, MD 20852 • Kaiser Foundation Health Plan of the Northwest, 500 NE Multnomah St., Suite 100, Portland, OR 97232 • Kaiser Foundation Health Plan of Washington or Kaiser Foundation Health Plan of Washington Options, Inc., 1300 SW 27th St., Renton, WA 98057
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