View and Compare 2024 Plan Options

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In general, you can only change your health care coverage during the annual open enrollment period which starts November 1. However, if you experience a certain life event, you may qualify for a special enrollment period. To learn more, visit kp.org/specialenrollment.

By answering a few questions about your plan, you can compare it to other Kaiser Permanente plans and get personalized quotes for different options based on your needs and budget.

We appreciate your membership and look forward to continuing to help you thrive.

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Your 2024 plan options

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Please note: These rates are estimates based on the information you just provided, for coverage starting . Rates are based on each applicant’s age on the plan start date and are effective January 1, 2024, through December 31, 2024. If anyone on your plan already had a birthday this year, the premium listed under your current plan might be higher. If you’re considering changing plans, you can contact us to confirm the rate for your current plan.

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Dental Benefits

Dental coverage is included in your health plan for members until the end of the month in which the member turns 19.

Kaiser Permanente offers an optional dental insurance plan to adults, which includes those individuals whose eligibility for pediatric dental services has ended. This optional coverage is available for an additional charge. Our optional adult dental coverage is underwritten by KPIC (Kaiser Permanente Insurance Company), a subsidiary of KFHP (Kaiser Foundation Health Plan, Inc.), and administered by Delta Dental of California. Once enrolled, you can’t cancel this dental coverage without also canceling your health plan coverage, except during open enrollment or a special enrollment period.

Dental Benefits

Pediatric dental coverage is included in your health plan for members until the end of the month in which they turn 19. We also offer a selection of optional dental plans for adults 19 and older for an additional cost.

Dental plans are administered by Liberty Dental Plan with a business address at 340 Commerce, Suite 100, Irvine, CA 92602.

Individual and family dental plans

Kaiser Permanente’s Individual and Family dental plans offer a robust network with no need for referrals for specialist procedures. There are no waiting periods, so members enjoy comprehensive dental benefits on Day One.

In addition, each of KP’s adult dental offerings can be paired with optional enhanced cosmetic dental benefits, including full orthodontic services, implants, and more. If purchased, these orthodontic benefits cover all family members, including children.

Individual and family dental brochure (PDF)

Adult dental riders

In Maryland, you can enhance your KP medical coverage with one of the following dental options, available for purchase as riders (open to those age 19 and older).

Kaiser Permanente Smile KPIF Dental EPO

This plan offers the convenience of predictable costs, no deductibles, and no overall limit on annual benefits. Members pay a copay only for services that they receive – there is no charge for preventive care office visits. The plan includes comprehensive coverage of the full range of common dental procedures, including preventive, basic restorative, and major restorative services. Additional coverage for enhanced cosmetic orthodontic procedures can be purchased through the Kaiser Permanente OrthoPlus rider.

This plan is the most like the Adult Dental HMO plan offered for 2023 through Dominion Dental.

KP Smile KPIF Dental EPO Flyer (PDF)

Kaiser Permanente Smile KPIF Dental PPO Basic

This plan gives members access to a network of high-quality in-plan providers, plus the freedom to see any licensed dentist outside of the plan. With in-plan dentists, members receive 80% coverage (member pays 20%) for preventive care procedures that include the services most frequently performed for adults. If members choose to visit a licensed dentist not included in the network of participating dentists, they receive 60% out -of-network coverage for preventive services.

The plan also includes coverage of basic restorative and major restorative services. Additional coverage for enhanced cosmetic orthodontic procedures can be purchased through the Kaiser Permanente OrthoPlus rider. The maximum annual benefit covered is $1,000, both in-plan and out-of-plan, and there is a $50 deductible per person.

KP Smile KPIF Dental PPO Basic Flyer (PDF)

Kaiser Permanente Smile KPIF Dental PPO High

This plan offers a richer alternative to the KP Smile KPIF Dental PPO Basic plan. It gives members access to a network of high-quality in-plan providers, plus the freedom to see any licensed dentist outside of the plan. With in-plan dentists, members receive 100% coverage (member pays nothing) for preventive care procedures that include the services most frequently performed for adults. If members choose to visit a licensed dentist not included in the network of participating dentists, they receive 80% out -of-network coverage for preventive services.

The plan also includes coverage of basic restorative and major restorative services. Additional coverage for enhanced cosmetic orthodontic procedures can be purchased through the Kaiser Permanente OrthoPlus rider. There is no deductible and the maximum annual benefit covered is $1,500, both in-plan and out-of-plan.

KP Smile KPIF Dental PPO High Flyer (PDF)

Pediatric Dental Benefits

The KP Smile Kids KPIF Embedded Dental EPO provides dental benefits for children aged 18 and younger. It has predictable copays and no overall limits on annual benefits. Deductibles may apply depending on the provisions of the medical plan.

The plan includes comprehensive coverage for preventive, basic restorative, and major restorative services, with no need for referrals. It also includes a medically necessary orthodontic benefit. This can be enhanced with an optional cosmetic orthodontia rider that provides coverage for braces and other procedures, if purchased with an Adult dental plan.

Kaiser Permanente Smile Kids KPIF Embedded Dental EPO (PDF)

Cosmetic Orthodontic Benefits

Medically necessary orthodontic coverage for children under age 19 is included in Kaiser Permanente’s health plans. This covers conditions such as cleft palate if associated with a medical diagnosis, with a referral from your Primary Care Physician.

Enhanced coverage for cosmetic dental procedures including implants, veneers, and orthodontic treatments like braces, is available for purchase through the Kaiser Permanente OrthoPlus rider, at an additional charge. When purchased with an adult dental plan, this rider covers all family members including children under age 19. There is a lifetime benefit limit of $1,000 per individual. Dental plan is underwritten by Dominion Dental Services, Inc. ("Dominion Dental"), a separately licensed stand-alone dental carrier with a business address at 251 18th St S Suite 900, Arlington, VA 22202.

Enhanced Dental HMO Rider

Pediatric dental coverage is included in your health plan for members until the end of the month in which they turn 19.

We also offer an optional dental plan for adults 19 and older for an additional monthly charge.

Dental Benefits

Pediatric dental coverage is included in your health plan for members until the end of the month in which they turn 19. We also offer a selection of optional dental plans for adults 19 and older for an additional cost.

Dental plans are administered by Liberty Dental Plan with a business address at 340 Commerce, Suite 100, Irvine, CA 92602

Individual and family dental plans

Kaiser Permanente’s Individual and Family dental plans offer a robust network with no need for referrals for specialist procedures. There are no waiting periods, so members enjoy comprehensive dental benefits on Day One.

In addition, each of KP’s adult dental offerings can be paired with optional enhanced cosmetic dental benefits, including full orthodontic services, implants, and more. If purchased, these orthodontic benefits cover all family members, including children.

Individual and family dental brochure (PDF)

Adult dental riders

In Virginia, you can enhance your KP medical coverage with one of the following dental options, available for purchase as riders (open to those age 19 and older).

Kaiser Permanente Smile KPIF Dental Copay

This plan offers the convenience of predictable costs, no deductibles, and no overall limit on annual benefits. Members pay a copay only for services that they receive – there is no charge for preventive care office visits. The plan includes comprehensive coverage of the full range of common dental procedures, including preventive, basic restorative, and major restorative services. Additional coverage for enhanced cosmetic orthodontic procedures can be purchased through the Kaiser Permanente OrthoPlus rider.

This plan is the most like the Adult Dental HMO plan offered for 2023 through Dominion Dental.

KP Smile KPIF Dental Copay Flyer (PDF)

Kaiser Permanente Smile KPIF Dental C-POS Basic

This plan gives members access to a network of high-quality in-plan providers, plus the freedom to see any licensed dentist outside of the plan. With in-plan dentists, members receive 80% coverage (member pays 20%) for preventive care procedures that include the services most frequently performed for adults. If members choose to visit a licensed dentist not included in the network of participating dentists, they receive 60% out -of-network coverage for preventive services.

The plan also includes coverage of basic restorative and major restorative services. Additional coverage for enhanced cosmetic orthodontic procedures can be purchased through the Kaiser Permanente OrthoPlus rider. The maximum annual benefit covered is $1,000, both in-plan and out-of-plan, and there is a $50 deductible per person.

KP Smile KPIF Dental C-POS Basic Flyer (PDF)

Kaiser Permanente Smile KPIF Dental C-POS High

This plan offers a richer alternative to the KP Smile KPIF Dental PPO Basic plan. It gives members access to a network of high-quality in-plan providers, plus the freedom to see any licensed dentist outside of the plan. With in-plan dentists, members receive 100% coverage (member pays nothing) for preventive care procedures that include the services most frequently performed for adults. If members choose to visit a licensed dentist not included in the network of participating dentists, they receive 80% out -of-network coverage for preventive services.

The plan also includes coverage of basic restorative and major restorative services. Additional coverage for enhanced cosmetic orthodontic procedures can be purchased through the Kaiser Permanente OrthoPlus rider. There is no deductible and the maximum annual benefit covered is $1,500, both in-plan and out-of-plan.

KP Smile KPIF Dental C-POS High Flyer (PDF)

Pediatric Dental Benefits

The KP Smile Kids KPIF Embedded Dental Copay EPO provides dental benefits for children aged 18 and younger. It has predictable copays and no overall limits on annual benefits. Deductibles may apply depending on the provisions of the medical plan.

The plan includes comprehensive coverage for preventive, basic restorative, and major restorative services, with no need for referrals. It also includes a medically necessary orthodontic benefit. This can be enhanced with an optional cosmetic orthodontia rider that provides coverage for braces and other procedures, if purchased with an Adult dental plan.

Kaiser Permanente Smile Kids KPIF Dental Copay (PDF)

Cosmetic Orthodontic Benefits

Medically necessary orthodontic coverage for children under age 19 is included in Kaiser Permanente’s health plans. This covers conditions such as cleft palate if associated with a medical diagnosis, with a referral from your Primary Care Physician.

Enhanced coverage for cosmetic dental procedures including implants, veneers, and orthodontic treatments like braces, is available for purchase through the Kaiser Permanente OrthoPlus rider, at an additional charge. When purchased with an adult dental plan, this rider covers all family members including children under age 19. There is a lifetime benefit limit of $1,000 per individual.

Enhanced Dental HMO Rider

Pediatric dental coverage is included in your health plan for members until the end of the month in which they turn 19.

We also offer an optional dental plan for adults 19 and older for an additional monthly charge.

Dental Benefits

If you enroll in a KPIF (Kaiser Permanente Individual and Family) Plan, then by law you must also enroll in a separate pediatric dental plan with us or with another company, even if you are over 18. Dental coverage is included in your health plan for all members 18 and younger. We offer an optional dental plan for adults 19 and older for an additional monthly premium.

Dental rates and benefits are subject to approval by the Washington State Office of the Insurance Commissioner.

Find more information about our Dental Benefits (PDF)

View our Dental Provider Directory

Dental Benefits

You can choose to add dental coverage from Delta Dental for an additional monthly charge. An adult/family plan is available for adults and dependents 25 and younger. To cover children only, a pediatric plan is available for family members 18 and younger. For information about dental benefits and costs, please review your enrollment materials.

Dental coverage is provided by Delta Dental of Washington, 400 Fairview Ave. N., Suite 800, Seattle, WA 98109-5371. For more information, go to deltadentalwa.com/group/kaiserpermanente, call 1-800-290-8900 (TTY 711), or contact your producer.

Under the Affordable Care Act, pediatric dental coverage is required. If your application includes children 18 and younger and you don’t enroll them in our pediatric dental plan, we’ll contact you to submit an Attestation of Pediatric Coverage with proof of other pediatric dental coverage.

Find more information about our Dental Benefits (PDF)

Dental Benefits

If you enroll in a KPIF (Kaiser Permanente Individual and Family) Plan, then by law you must also enroll in a separate pediatric dental plan with us or with another company, even if you are over 18. You can add optional family dental coverage for an additional monthly premium, which includes the required pediatric dental benefits.

Find more information about our Dental Benefits (PDF)

View our Dental Provider Directory

Dental Benefits

Dependents under 19 must have dental coverage. You can purchase a pediatric dental plan at an additional monthly premium through Kaiser Permanente or another company. There is no option for adding adult dental coverage.
View dental plan details

If you enroll in a KPIF (Kaiser Permanente Individual and Family Plan), then by law, you must also enroll in a separate pediatric dental plan. Or, if you already have other pediatric dental coverage that is certified by the health benefit exchange, you must let us know.

  • 1 Where appropriate and available. If you travel out of state, phone appointments and video visits may not be available due to state laws that may prevent doctors from providing care across state lines. Laws differ by state. This may exclude HSA-qualified deductible plans. High deductible health plans may require a copay or coinsurance for phone appointments and video visits.
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The quotes shown above are estimates only and are subject to change. They’re not a binding contract between you and Kaiser Permanente. Kaiser Foundation Health Plan, Inc., reserves the right to change the terms of a plan with proper notification. This summary is for informational and comparison purposes only. Please see the membership documents for detailed information about specific plans and benefits.

Please note: For covered services subject to an annual deductible, you’ll pay the full charges for those services until you reach your annual deductible.

This plan summary is intended to highlight the most frequently asked about benefits, copays, coinsurance, and deductibles. For services subject to the deductible, you’ll have to pay health care expenses out of pocket until you meet your deductible. Most deductibles, copays, and coinsurance contribute to the annual out-of-pocket maximum. Please refer to the Combined Membership Agreement, Evidence of Coverage, and Disclosure Form (EOC) for complete details on your plan or for specific limitations and exclusions. To request a copy of the EOC please visit kp.org/plandocuments, call us at , or contact your broker.

This is a summary of the most frequently asked-about benefits and their copays, coinsurance, and deductibles. Please see the Membership Agreement, Disclosure Form, and Evidence of Coverage (EOC) for complete details about a specific plan or for specific limitations and exclusions. To request a copy of the EOC, visit kp.org/plandocuments, call us at , or contact your broker.

Unless otherwise noted, plans are offered and underwritten by Kaiser Foundation Health Plan, Inc., One Kaiser Plaza, Oakland, CA 94612. Neither Kaiser Foundation Health Plan, Inc., nor Kaiser Permanente Insurance Company provides or administers financial products, including health savings accounts (HSAs), and neither entity offers financial, tax, or investment advice. Members are responsible for their own investment decisions. If a member uses his or her HSA debit card to pay for something other than a qualified medical expense, the expenditure is subject to tax and, for individuals without disabilities or who are younger than 65, a 20% tax penalty. Please note that when an HSA provider pays disbursements, it doesn’t monitor whether they’re for qualified medical expenses. The member is responsible for determining whether expenses qualify for tax-free reimbursement from his or her HSA. Tax references relate to federal income tax only. The tax treatment of HSA contributions and distributions under state tax laws differs from the federal tax treatment. Consult with your financial or tax adviser for more information.