Kaiser Permanente is 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.
As of June 1, 2023, when applying for medical financial assistance, award amounts will be based on your gross household income (before taxes) as a percentage of the federal poverty guidelines. If your household has a higher income, you may qualify for an award equal to a maximum of 50% of your share of eligible medical expenses. Households with lower incomes can qualify for an award covering up to 100% of their share of eligible medical costs.
Award amounts are based on your household income as a percentage of the 2023 federal poverty guidelines:
|2023 federal poverty level guidelines|
|If your household or family size is:||100% award for gross monthly household income at or below 200% of FPG||50% award for gross monthly household income between 201% and 400% of FPG|
Up to $2,430
$2,431 to $4,860
Up to $3,287
$3,288 to $6,573
Up to $4,143
$4,144 to $8,287
Up to $5,000
$5,001 to $10,000
Up to $5,857
$5,858 to $11,713
Up to $6,713
$6,714 to $13,427
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. An MFA award is not a covered benefit and does not change the services covered or cost-sharing owed under your plan.
The Kaiser Permanente Medical Financial Assistance (MFA) program helps patients with low-income who are uninsured or underinsured, 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 . Patients should consult with a counselor 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.
The MFA program covers emergency and medically necessary health care services, pharmacy services and products, and medical supplies provided at Kaiser Permanente facilities (such as 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 for a complete list of eligible and ineligible services.
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 Southern California.
Copies of the MFA policy, application forms, instructions, and plain language summaries (such as 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, Hungarian, 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, Hungarian, 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, Hungarian, 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 hospital in Southern California.
Request program information by telephone: Counselors are available by telephone to provide information and answer questions regarding 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. mail: Information requests can be mailed to:
Attention: Medical Financial Assistance
P.O. Box 7086
Pasadena, CA 91109-7086
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.
After we review your completed application, we’ll send you a decision within 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.
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.
Amounts generally billed is based on the lowest average of the amounts that were paid to a KP 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.
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.
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.
For help or questions about the medical financial assistance application process or other questions, please call 1-800-390-3507, or speak to a financial counselor within the Admitting Department at any Kaiser Permanente hospital.