Medical Financial Assistance Program
- Coming soon »
- Who is eligible? »
- What does the program cover? »
- How do I apply? »
- How do I appeal? »
- Other programs and resources »
- Need help? »
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Having trouble paying for your Kaiser Permanente medical and pharmacy expenses?
Kaiser Foundation Hospitals and Kaiser Foundation Health Plans, 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 low-income, uninsured, and underinsured patients when the ability to pay for services is a barrier to accessing emergency and medically necessary care. Patients must meet the eligibility requirements below to qualify.
Coming soon
Beginning October 1, 2022, when applying for MFA, award amounts will be based on your gross household income (before taxes) as a percentage of the federal poverty level. 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 will be based on your household income as a percentage of the 2022 federal poverty levels:
- 100% of your share of eligible costs for households with incomes at or below 200% of the federal poverty level
- 50% of your share of eligible costs for households with incomes between 201% and 300% of the federal poverty level
| If your household/ or family size is: | 2022 federal poverty guidelines | |
|---|---|---|
| 100% award for gross annual income at or below 200% of FPG | 50% award for gross annual income between 201% and 300% of FPG | |
| 1 | $27,180 | $27,181 to $40,770 |
| 2 | $36,620 | $36,621 to $54,930 |
| 3 | $46,060 | $46,061 to $69,090 |
| 4 | $55,500 | $55,501 to $83,250 |
| 5 | $64,940 | $64,941 to $97,410 |
| 6 | $74,380 | $74,381 to $111,570 |
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. An MFA award is not a covered benefit and does not change the services covered or cost-sharing owed under your plan.
Who is eligible for Financial Assistance and what are the requirements?
The Medical Financial Assistance (MFA) program helps low-income, uninsured, and 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 300% of the Federal Poverty Guidelines (FPG). 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.
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 (e.g., hospitals, medical centers, and medical offices), 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.
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. postal mail.
Download program information: Electronic copies of program information are available:
| Medical Financial Assistance Policy (English) |
Spanish |
| Program Summary (English) |
Spanish |
| Program Application (English) |
Spanish |
Request program information electronically: Electronic copies of program information are available by email upon request. Call 1-866-899-6018 to request electronic copies. When calling, please be prepared when to provide an email address to receive the requested information.
Obtain program information in person: Financial counselors are available Monday through Friday from 10 a.m. to 9 p.m. Mountain time and Saturday through Sunday from 8 a.m. to 6 p.m. MT at the Patient Registration Department in each Kaiser Permanente medical office listed below to provide program information and to quickly determine MFA eligibility.
Aurora Centerpoint
14701 E. Exposition Ave.
Aurora, CO 80012
Lakewood Medical Offices
18383 W. Alameda Ave.
Lakewood, CO 80226
Lone Tree Medical Offices
10240 Park Meadows Drive
Lone Tree, CO 80124
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: 303-338-3555, or 1-866-899-6018, or TTY: 1-800-659-2656; Monday through Friday, 10 a.m. to 3 p.m. MT.
Request program information by U.S. postal mail: A patient can request program information by mail:
Northfield Support Services
Attention: MFA Program
11000 E. 45th Avenue
Denver, Colorado 80239-3004
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.
Meet with a financial counselor
Schedule an appointment with a financial counselor at one of our designated facilities, Monday through Friday, 8 a.m. to 5 p.m. Mountain time.
Be prepared to provide all the information listed on the MFA application.
Call us
Call us at 1-303-338-3555 (TTY 711), Monday through Friday, 10 a.m. to 3 p.m. MT.
Be prepared to provide the information listed on the MFA application.
Mail it
- Complete the MFA application.
- Mail your completed application to:
Kaiser Permanente MFA Program
2500 S. Havana Street
Aurora, CO 80014
Drop it off
- Complete the MFA application.
- Drop off your completed application at Patient Registration at any Kaiser Permanente facility.
Kaiser Permanente will review submitted applications when they are complete and will determine eligibility according to the Kaiser Permanente Medical Financial Assistance Policy. Incomplete applications may result in a delay in processing or denial of your MFA application; Kaiser Permanente will notify applicants and provide an opportunity to send in the missing documentation or information, by the required deadline.
How do I appeal?
If your application was recently denied or you believe you qualify for a larger award, you can appeal the decision by providing the following:
- A letter indicating why you’re appealing (job loss, for example)
- Current financial documentation of your total gross household income to support your appeal; Refer to the table below for the required documentation of your income source
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 |
You may also file an appeal if your medical expenses exceed 10% of your annual gross household income over the previous 12 months. To do this, you should provide the following:
- Proof of income for your annual gross household income
- Proof of non-Kaiser Permanente medical and/or dental expenses
- You must provide an itemized bill with the following information:
- Provider’s name and address
- Patient’s name
- Description of services or supplies provided
- You must provide an itemized bill with the following information:
Any payments you make before an appeal is approved and will not be refunded.
How long do I have to appeal?
- To appeal a denial:
- You have 30 days to file an appeal.
- After 30 days, you will be asked to submit a new MFA application.
- To appeal for a larger award:
- You may appeal at any time before the award end date.
If you didn’t provide the requested financial documentation or if you have experienced a change in income, you can provide current or updated documentation, as listed in the financial documentation table above.
How to submit an appeal letter and documentation?
To submit your appeal letter and documentation, please fax or mail using the contact information below:
- By Fax: 1-855-300-3684
- By Mail:
Northfield Support Services
Attention: MFA Program
11000 E. 45th Avenue
Denver, CO 80239-3004
Send copies of official documents; originals are not required.
Write the following information on the first page of your proof of income:
- First and last name
- Medical record number (if any)
- Home address
- Date of birth
How long will it take for my appeal to be reviewed?
Once we receive the requested documentation, we’ll send you a decision about your appeal within 30 days. If you file an appeal without including any additional information with your request, we’ll automatically deny your appeal. All appeal decisions are final.
Amounts Generally Billed (AGB)
Amounts Generally Billed apply to eligible hospital services rendered at a Kaiser Foundation Hospital only and do not apply to services provided by the Colorado Region.
Is language assistance available?
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 1-866-899-6018 (TTY: 1-800-659-2656).
Other beneficial programs and 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 housing, childcare, or food, Thrive Local Connections can help connect you to resources in your community. 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 1-866-899-6018 (TTY: 1-800-659-2656), or speak to a financial counselor or patient registration associate, in the patient registration department at your local Kaiser Permanente medical office.