Plans - Federal Employees Health Benefits
Main
Your selected region

California – Northern

Our plan options

You have 3 plan options to choose from:

High Option

Plan Features

  • $0 copay for telehealth – always
  • Lowest copays
  • Most out of pocket costs are copays
  • $0 deductible

Best option if you

  • Anticipate frequent care visits
  • Want predictable and low out-of-pocket costs

Standard Option

Plan Features

  • $0 copay for telehealth – always
  • Lower premium than High Option
  • Most out of pocket costs are co-pays
  • $100 deductible

Best option if you

  • Want a lower premium and predictable out-of-pocket costs

Prosper

Plan Features

  • $0 copay for telehealth – always
  • Our lowest premium option
  • Low copays for office visits
  • $500 deductible

Best option if you

  • Are in good overall health
  • Want to pay the lowest premiums

High Option

Enrollment Code Bi-weekly Monthly
Self only
(591)
$198.50 $430.08
Self + 1
(593)
$533.30 $1155.48
Self & Family
(592)
$482.40 $1045.20

Standard Option

Enrollment Code Bi-weekly Monthly
Self only
(594)
$112.35 $243.42
Self + 1
(596)
$310.14 $671.97
Self & Family
(595)
$259.24 $561.69

Prosper

Enrollment Code Bi-weekly Monthly
Self only
(KC1)
$75.03 $162.57
Self + 1
(KC3)
$175.58 $380.42
Self & Family
(KC2)
$175.58 $380.42

These rates do not apply to all enrollees. If you are in a special enrollment category, please refer to the FEHBP Program website or contact the agency or Tribal Employer which maintains your health benefits enrollment.

2023 Summary of Benefits

2023 Benefits & Rates View
High Option Standard Option Prosper
Deductible None $100 $500
2023 Benefits and Services
Outpatient services
Preventive care $0 $0 $0
Telehealth $0 $0 $0
Primary care office visit $15 $30 $25
Specialty care office visit $25 $40 $35
Laboratory tests $0 $101 20%1
X-rays $0 $101 20%1
Chiropractic services – 20 visits per year $15 $15 $15
Maternity
Routine prenatal care and postpartum visit $0 $0 $0
Delivery $250 $5001 20%1
Hospital services
Outpatient surgery $50 $2001 20%1
Inpatient hospital $250 $5001 20%1
Emergency and urgent care
Urgent care $15 $30 $25
Emergency care $100 $1501 20%1
Ambulance $50 $1501 20%1
Prescription drugs
Generic $10 $15 $15
Brand $40 $50 $60
Specialty $100 $150 $200
Out-of-pocket maximum $2,000 $3,000 $5,500

1Deductible applies.

Notes:

  • Deductible and out-of-pocket maximum amounts are per person, but no more than 2 times per family.
  • Coinsurance (%) is based on our allowance.
  • Telehealth options include video, phone, email and more.
  • Prescription drug copayments are for a 30-day supply at Kaiser Permanente pharmacies. You pay only 2 copays for up to a 100-day supply for most drugs through Kaiser Permanente’s mail-order program.

This is a summary of the features of the Kaiser Permanente – Northern California FEHB plan. Before making a final decision, please read the Plan’s Federal brochure (RI 73-003). All benefits are subject to the definitions, limitations, and exclusions set forth in the Federal brochure.

Ready to enroll?

To sign up, write down the enrollment code above. You will be asked to provide it during the sign-up process. Then click below to visit OPM.gov or contact your employing agency or retirement office for next steps and other information.
Enroll online at OPM.gov These are highlights of the FEHB enrollment process. Please refer directly to opm.gov and your employing agency or retirement office for FEHB coverage effective dates, enrollment procedures and deadlines, and other information.

Care for growing families

There’s no better place to plan, start, and raise your family because you’re all at the center of everything we do. Check out what you get with your health plan and discover how your dollars go further with Kaiser Permanente.

Learn more about care for growing families >

Select a region

or, input your ZIP Code

Kaiser Permanente is not available in that area. Enter a different zipcode or select your region. Zipcode just insist numbers as the valid input. Enter a valid zipcode or select your region.