Kaiser Permanente WA CDHP SBC (2024)

Summary of Benefits and Coverage: What this Plan Covers & What You Pay for Covered Services Coverage Period: 01/01/2024 – 12/31/2024 : PEBB CDHP Coverage for: Individual / Family | Plan Type: HDHP All plans offered and underwritten by Kaiser Foundation Health Plan of Washington The Summary of Benefits and Coverage (SBC) document will help you choose a health plan. The SBC shows you how you and the plan would share the cost for covered health care services. NOTE: Information about the cost of this plan (called the premium) will be provided separately. This is only a summary. For more information about your coverage, or to get a copy of the complete terms of coverage, www.kp.org/plandocuments or call 1-888-901-4636 (TTY: 711). For general definitions of common terms, such as allowed amount, balance billing, coinsurance, copayment, deductible, provider, or other underlined terms, see the Glossary. You can view the Glossary at www.healthcare.gov/sbc-glossary or call 1-888-901-4636 (TTY: 711) to request a copy. Important Questions Answers Why This Matters: What is the overall Generally, you must pay all of the costs from providers up to the deductible amount before deductible? $1,600 Individual /$3,200 Family this plan begins to pay. If you have other family members on the policy, the overall family deductible must be met before the plan begins to pay. Are there services This plan covers some items and services even if you haven’t yet met the deductible covered before you meet Yes. Preventive care and services amount. But a copayment or coinsurance may apply. For example, this plan covers certain your deductible? indicated in chart starting on page 2. preventive services without cost-sharing and before you meet your deductible. See a list of covered preventive services at www.healthcare.gov/coverage/preventive-care-benefits. Are there other deductibles for specific No. You don’t have to meet deductibles for specific services. services? What is the out-of-pocket The out-of-pocket limit is the most you could pay in a year for covered services. If you have limit for this plan? $5,100 Individual / $10,200 Family other family members in this plan, they have to meet their own out-of-pocket limits until the overall family out-of-pocket limit has been met. Premiums, balance-billing charges, What is not included in health care this plan doesn’t cover, Even though you pay these expenses, they don’t count toward the out-of-pocket limit. the out-of-pocket limit? and services indicated in chart starting on page 2. This plan uses a provider network. You will pay less if you use a provider in the plan’s Will you pay less if you Yes. See www.kp.org or call 1-888- network. You will pay the most if you use an out-of-network provider, and you might receive use a network provider? 901-4636 (TTY: 711) for a list of a bill from a provider for the difference between the provider’s charge and what your plan network providers. pays (balance billing). Be aware, your network provider might use an out-of-network provider for some services (such as lab work). Check with your provider before you get services. Do you need a referral to Yes, but you may self-refer to certain This plan will pay some or all of the costs to see a specialist for covered services but only if see a specialist? specialists. you have a referral before you see the specialist. Page 1 of 6 RQ-189965-1