Medical Financial Assistance Program
- Who is eligible? »
- What does the program cover? »
- How do I apply? »
- Appeal process »
- Other programs and resources »
- Need help? »
- Leer esto en español »
Having trouble paying for your Kaiser Permanente medical and pharmacy expenses?
Kaiser Foundation Health Plan and Kaiser Foundation Hospitals, collectively referred to as Kaiser Permanente, are committed to providing programs that facilitate access to care for vulnerable populations. This commitment includes providing financial assistance to qualified patients who are uninsured or underinsured and have low incomes, when the ability to pay for services is a barrier to accessing emergency and medically necessary care. Patients must meet the eligibility requirements explained below to qualify.
Who is eligible for Financial Assistance and what are the requirements?
The Medical Financial Assistance (MFA) program helps low-income, uninsured, or underinsured patients who need help paying for all or part of their medical care received from Kaiser Permanente. Patients are eligible for financial assistance when their family income is at or below 400% of the federal poverty guidelines (FPG). Patients should consult with a patient financial advisor to determine eligibility and for assistance applying. Patients who have experienced unusually high medical expenses may be eligible for the program, regardless of household income. Refer to the MFA policy for a complete description of the program eligibility requirements.
Medical Financial Assistance is based on your household income as a percentage of the 2023 federal poverty guidelines:
| 2023 federal poverty guidelines (FPG) | ||
|---|---|---|
| If your household or family size is: | Your gross household income must be no more than 400% of the FPG: |
|
| Monthly | Annually | |
| 1 | $4,860 | $58,320 |
| 2 | $6,573 | $78,880 |
| 3 | $8,287 | $99,440 |
| 4 | $10,000 | $120,000 |
| 5 | $11,713 | $140,560 |
| 6 | $13,427 | $161,120 |
Visit aspe.hhs.gov/poverty to find the guidelines for larger households.
Disclaimer
Past MFA award recipients aren’t guaranteed future awards. Kaiser Permanente reserves the right to change the terms and conditions of the MFA program at any time. The MFA award is not a covered benefit and will not impact your existing plan coverage.
What does the program cover?
The MFA program covers emergency and medically necessary health care services, pharmacy services and products, and medical supplies provided at Kaiser Permanente facilities (i.e. hospitals, medical centers, and medical office buildings), at Kaiser Permanente outpatient pharmacies, or by Kaiser Permanente providers. Services that are not considered emergent or medically necessary as determined by a Kaiser Permanente provider include, but are not limited to cosmetic surgery or services, infertility treatments, retail medical supplies, surrogacy services, and services related to third party liability, or workers’ compensation cases. Refer to the MFA policy or a complete list of eligible and ineligible services.
Which providers are and are not covered under the program?
The list of providers in Kaiser Foundation Hospitals that are and are not covered under the MFA policy can be found in our Kaiser Permanente provider list for Northern California.
How can I get program information?
Copies of the MFA policy, application forms, instructions, and plain language summaries (e.g., policy summaries or program brochures) are available to the general public, without charge, from Kaiser Permanente's website, by email, in person, by telephone, or by U.S. mail.
Download program information:
| Medical Financial Assistance Policy (English) |
Arabic, Armenian, Chinese, Farsi, French, German, Greek, Gujarati, Hebrew, Hindi, Hmong, Italian, Japanese, Korean, Laotian, Mon-Khmer, Polish, Portuguese, Russian, Serbo-Croatian, Spanish, Tagalog, Thai, Urdu, Vietnamese |
| Program Summary (English) |
Arabic, Armenian, Chinese, Farsi, French, German, Greek, Gujarati, Hebrew, Hindi, Hmong, Italian, Japanese, Korean, Laotian, Mon-Khmer, Polish, Portuguese, Russian, Serbo-Croatian, Spanish, Tagalog, Thai, Urdu, Vietnamese |
| Program Application (English) |
Arabic, Armenian, Chinese, Farsi, French, German, Greek, Gujarati, Hebrew, Hindi, Hmong, Italian, Japanese, Korean, Laotian, Mon-Khmer, Polish, Portuguese, Russian, Serbo-Croatian, Spanish, Tagalog, Thai, Urdu, Vietnamese |
Request program information electronically: Electronic copies of program information are available by email upon request. Call 1-800-390-3507 to request electronic copies. Please be prepared to provide an email address that the information can be sent to when calling.
Obtain program information in person: Program information is available at Admitting, Emergency Room, and Patient Financial Advisors Departments at any Kaiser Foundation Hospitals in Northern California.
Request program information by telephone: Counselors are available by telephone to provide information, determine MFA eligibility, and assist a patient to apply for MFA. Counselors can be reached at 1-800-390-3507, Monday through Friday, 8 a.m. to 5 p.m.
Request program information by U.S. postal mail: A patient can request program information by mail. Information requests can be mailed to:
Kaiser Permanente
Attention: Medical Financial Assistance Unit
P.O. Box 30006
Walnut Creek, California 94598
How do I apply?
You can apply for medical financial assistance through Kaiser Permanente during or following a course of care or treatment received from Kaiser Permanente. To be eligible for the program, you must demonstrate an immediate need caused by a bill for an outstanding balance for Kaiser Permanente services, a scheduled appointment with Kaiser Permanente, or a pharmacy prescription ordered by a Kaiser Permanente provider for eligible services and meet income qualifications.
When you apply, you will be asked to list your household size and total gross household income, which will be validated by an external data source. Applying online is the quickest and easiest way to apply. If your income recently changed or you prefer to submit current financial documentation, you can fax or mail your MFA program application, along with your supporting financial documentation, as specified below.
Household income source |
Financial documentation to submit |
|---|---|
| Employment income wages | Current pay stub with pay period and year-to-date gross wages |
| Business income/rental property | Most recent tax return and all schedules |
| Unemployment benefits/disability income | Unemployment Benefit Payment Summary showing your gross weekly benefits |
| Alimony/child support | Court Divorce Decree/amount awarded |
| Pension or retirement/annuities | Monthly gross benefit letter or most recent tax return and all schedules filed |
| Social Security/Supplemental Security Income/veterans benefits | Social Security and/or monthly veterans benefit letter showing the gross benefit
|
Important: Any missing or unclear information may delay the application process or result in a denial.
What should I expect after I apply?
After we review your completed application, we’ll send you a decision within thirty (30) days of receipt. If it is not approved, we will provide a reason for the denial and instructions on how to appeal the decision if you disagree.
Apply online
- Before starting the online application process, be prepared to provide all the information listed on the MFA application.
- To begin your application, please provide your full name and email in the form below. Once submitted, you will receive instructions via email on how to complete your application.
Apply by mail
- Complete the MFA application.
- Mail your completed application to:
Kaiser Permanente
Attention: Medical Financial Assistance Unit
P.O. Box 30006
Walnut Creek, CA 94598.
Drop it off
- Complete the MFA application.
- Drop off your completed application at the Patient Financial Operations at any Kaiser Permanente facility.
Meet with a financial counselor
- Visit the Patient Financial Advisors Departments at any Kaiser Foundation Hospitals in Northern California.
- Be prepared to provide all the information listed on the MFA application.
Kaiser Permanente will review submitted applications when they are complete and will determine whether you are eligible according to the Kaiser Permanente Medical Financial Assistance Policy. Incomplete applications may result in a delay in processing or denial of your MFA application, but Kaiser Permanente will notify applicants and provide an opportunity to send in the missing documentation or information, by the required deadline.
Appeal process
Amounts Generally Billed
Amounts Generally Billed is based on the lowest average of the amounts that were paid to a Kaiser Permanente facility by private health insurers, Medicare fee-for-service and Medicaid fee-for-service (and co-pays and deductibles) for emergency or medically necessary services, based on actual claim data from October 1, 2021, to September 30, 2022, which is consistent with the look-back method. Total expected payment from allowed claims was divided by total billed charges for such claims, and that number was subtracted from 1 to calculate the AGB percentage. The 2023 AGB reduction to gross charges is 65% for hospital charges.
Is there language assistance?
Interpreters are available to you at no cost. The medical financial assistance application, policy, and policy summary may be available in your language. For more information, call 1-800-464-4000.
Other beneficial programs and extra resources:
If you don’t have health care coverage and would like more information, call us at 1-800-479-5764 (TTY 711) Monday through Friday between 9 a.m. and 5 p.m. to learn more about your coverage options.
We’re here to support you however we can. If you need help with essentials like food or housing, or need assistance paying bills, start your search at kp.org/communityresources or call 1-800-443-6328 (TTY 711), Monday through Friday between 8 a.m. and 5 p.m.
Need help?
For help or questions about the Medical Financial Assistance application process or other questions, please call 1-800-390-3507, or speak to a patient financial advisor within the Patient Financial Advisors Department at any Kaiser Permanente hospital.