Medical – HAP Kaiser

Health coverage through Kaiser offers access to an extensive network of providers for all your medical, prescription drug and mental health care needs.

Review the list of Kaiser eligible expenses to see what procedures are covered, may be covered with specific documentation or are not covered.

Use the glossary of technical terms to better understand your health care plan benefits.

Using your Medical Benefits
Prescription Drugs
Benefit Costs & Free Services
Telehealth & Virtual Care
Health Spending Accounts

Using your Medical Benefits

You shouldn’t have to pay anything up front when you visit your Kaiser doctor. After your visit, Kaiser will automatically process your claim, send you an Explanation of Benefits (EOB), and then debit your Health Account (or Health Care FSA first, if you elected it) to pay any charges you owe. If you don’t have enough in your account(s) to cover the charges, Kaiser will bill you.

Prescription Drug

You will pay the entire cost of prescriptions if you haven't met your annual deductible. Amounts paid for prescriptions apply to the annual deductible and out-of-pocket maximum.

Some prescriptions are free

You may use Kaiser pharmacies or mail order for free drugs. Review the free mail-order drug list.

Maintenance prescriptions

You may use Kaiser pharmacies or mail order for maintenance drugs.

Filling a Prescription

Benefit Costs & Free Services

Telehealth & Virtual Care

With Kaiser Permanente’s telemedicine feature, Video Visits, along with ongoing features like telephone and call-back appointments, you have more flexibility to meet virtually with a doctor anytime, anywhere—including home and work—for consultation when you’re sick, have a rash or even to receive a prescription.

Easily accessible and convenient, all you need is a computer or mobile device to connect—saving you time and the hassle of driving to a doctor’s office, helping you get the right care at the right time. There are no long lines to see your doctor, and it’s already part of the Kaiser Health Account Plan (HAP).

Just go to kp.org/mydoctor/videovisits for additional information about Video Visits or to get started. When meeting with a doctor at work, you must use cell service to connect. Virtual doctor consultations cannot be accessed through PG&E’s Wi-Fi.

As a reminder, if you have a work-related discomfort or injury, call the 24/7 Nurse Care Line at 1-888-449-7787.

Kaiser Permanente currently offers Video Visits only to members who live in Northern California. Employees who live in Southern California counties, including but not limited to: Kern, Orange, San Bernardino, San Diego and San Joaquin will have access to Video Visits at a later date. You can still access care remotely by calling your local Kaiser Permanente call center for a telephone or call-back appointments with a doctor.

Telehealth Alcohol Treatment

Ria Health, covered through the Kaiser HAP, is an innovative telehealth alcohol treatment program that uses medications, online counseling, and support to help you achieve lasting results.

  • Expert physician guidance, care, support, and customized treatment plans.
  • Medications that reduce alcohol cravings, helping people quit or drink less.
  • Withdrawal management.
  • Weekly telehealth meetings with a certified recovery coach.
  • Bluetooth-enabled breathalyzer and smartphone app to track progress.
  • Regular online group support meetings facilitated by a recovery coach.

Get started by calling Ria Health at 1-877-343-5131 or online at riahealth.com/lp/pge.

Health Spending Accounts

Health Account Plan (HAP)

When you enroll in medical coverage through either Anthem or Kaiser, you automatically receive a Health Account funded by PG&E to help cover your medical expenses.

Flexible Spending Accounts

In addition to the Health Account, you can also enroll in a tax-advantaged Health Care or Dependent Care Flexible Spending Account (FSA) and set aside additional funds toward necessary expenses – even if you’ve waived PG&E’s medical coverage.

The Health Care and Dependent Care FSAs are completely separate accounts. You can sign up for either or both, but you can’t transfer funds from one account to the other. See the Health Care and Dependent Care Flexible Spending Account (FSA) section below for additional details.
Visit the Spending Accounts page to learn more.

Reach out. Get help. Feel better. Contact EAP.

Contact an onsite EAP counselor, visit the EAP website, or call the EAP Hotline 24/7 at
1-888-445-4436 to speak with a licensed professional for in the moment support and to get connected to the right resource.
EAP website

Questions?

Call the PG&E Benefits Service Center at
1-866-271-8144
Monday–Friday,
7:30 am–5 pm PT

myPlans Connect

Questions?

Contact Kaiser
1-877-750-3399

option 1 and then option 2

Website

Your Health Care cards

When you visit a Kaiser pharmacy, you’ll need two cards:

  • Kaiser ID card tells your Kaiser provider what benefits coverage you have – including prescriptions
  • Kaiser Visa Health Payment Card Visa Debit Card is loaded with your Health Account credits and — if you elected the Health Care FSA — your annual FSA contribution

Primary Care

You and your family members each get four free visits a year to a primary care doctor:

  • General or family practitioners
  • Doctors of internal medicine
  • Pediatricians
  • Family nurse practitioners
  • OB/GYNs
  • Non-hospital urgent care facilities

Specialists

You pay 20% of the cost for all specialist office visits after you meet the annual deductible. Your specialist may charge you up to the full amount of your deductible at the time of service, and you may need to file a claim to get reimbursed (see “Getting Reimbursed” further down on this page). Your primary care doctor must preauthorize your specialist care.

Urgent/Emergency Care

Urgent Care

An urgent care need is one that requires prompt medical attention, but is not an emergency medical condition.* If you have an illness or injury that’s not life- or limb-threatening, but also can’t wait, Kaiser’s urgent care departments can help.

Urgent care is covered as primary care, so you won’t have to pay a deductible. After you’ve used your four free primary care visits for the year, you pay 10% of the cost.

For Kaiser members, urgent care is located in many of Kaiser’s Northern California facilities. Note: If you go to a Kaiser medical office without a hospital, it’s likely to be billed as an emergency, not as urgent care.

If you’re not sure what kind of care you need, Kaiser’s advice nurses can direct you to the most appropriate place for treatment and provide advice, when medically necessary. Call Kaiser Member Services at 1-800-663-1771 for more information.

*If you reasonably believe you have an emergency medical condition, which is a medical or psychiatric condition that requires immediate medical attention, call 911.

Emergency Care

You pay 20% of the cost, subject to the annual deductible. After you visit the emergency room, your HAP plan administrator — Kaiser — will process the claim and then send you an Explanation of Benefits (EOB).

Mental Health & Substance Use Disorder Care

Kaiser provides all mental health and substance use disorder care for its members except inpatient and residential substance use disorder treatment which is covered by Carelon Behavioral Health. To preauthorize care, contact Kaiser at 1-877-750-3399 or Carelon at 1-888-445-4436.

Here’s what you pay for services:

  • Outpatient services: You pay 10% of the cost with no deductible
  • Inpatient services: You pay 20% of the cost after you meet the annual deductible

Visit kp.org/mentalhealth for resources on the following:

  • How to connect to care
  • What to expect
  • Understanding your health plan benefits (need KP member number to access)

Finding a Counselor or Psychiatrist

Reach out to Kaiser at 1-800-390-3503 for a list of in-network referrals. Usually, Kaiser will select a provider for you, but you also have the option to go to kp.org > Doctors & Locations and search for your own. View helpful hints on selecting a counselor who is a good fit for you.

Telehealth Alcohol Treatment

Ria Health, covered through the Kaiser HAP, is an innovative telehealth alcohol treatment program that uses medications, online counseling, and support to help you achieve lasting results. 

  • Expert physician guidance, care, support, and customized treatment plans.
  • Medications that reduce alcohol cravings, helping people quit or drink less.
  • Withdrawal management.
  • Weekly telehealth meetings with a certified recovery coach.
  • Bluetooth-enabled breathalyzer and smartphone app to track progress.
  • Regular online group support meetings facilitated by a recovery coach.

Get started by calling Ria Health at 1-877-343-5131 or online at riahealth.com/lp/pge.

Inpatient and Residential Substance Use Disorder Treatment

Carelon provides Kaiser members with inpatient and residential substance use disorder treatment. To preauthorize Carelon care, contact:

Detoxification services can be provided through Kaiser or Carelon.

Applied Behavior Analysis

Applied Behavior Analysis services can be provided through Kaiser or Carelon (at no charge, with no deductible). To obtain prior authorization or pre-certification from Carelon, please call 1-888-445-4436. During this call, a care manager will request basic information — including, but not limited to — a child’s diagnosis, who made the diagnosis, and what the presenting symptoms are (e.g., developmentally delayed skills, problem behaviors).

Mental Health and Wellness Tools

Take a moment. Take a breath. Take time for self-care. Explore Kaiser’s broad range of self-care resources and apps designed to help you thrive in mind, body, and spirit, including:

Visit Kaiser’s mental health and wellness tools website to get started.

Cancer resources

When you hear the word “cancer,” it can be a frightening, confusing experience. What happens next? What are your options? What’s covered under your Kaiser Permanente plan?

As a Kaiser Permanente member, your care and coverage is coordinated for you. With specialized cancer centers across Northern California, you can get high-quality care closer to the comfort and support of your home and family. Kaiser provides you with access to the care and doctors you need quickly, and at times that fit your schedule and lifestyle. And your treatment goes beyond medical care to include comprehensive support from social workers to dietitians to care clinics, giving you the help you need, every step of the way. Kaiser can even help you make travel arrangements to and from cancer centers.

Your cancer center: Specialized care for your specific cancer

Cancer is a complex disease that requires intricate knowledge of the various types of treatments available — and Kaiser Permanente has the experience to provide you with the best outcome possible. Kaiser has specialized cancer physicians and providers available throughout Northern California. Their medical centers include fellowship-trained staff who specialize in your specific type of cancer. That means you’ll be referred quickly to the right care center in Kaiser Permanente’s network. And with so many locations throughout Northern California, you can stay closer to home, so you’ll have the support of your community, friends, and family throughout your treatment journey.

  • bladder cancer – 2 centers, 4 surgeons, 3 specialized oncologists
  • acute leukemia – 3 centers
  • brain cancer – 3 centers, 28 neurosurgeons
  • pediatric brain cancer – 3 centers, 4 neurosurgeons
  • esophageal cancer – 5 centers, 20 surgeons
  • gynecologic cancer – 5 centers, 13 surgeons
  • head & neck cancer – 5 centers, 6 surgeons
  • liver cancer – 5 centers, 6 surgeons
  • ocular melanoma – 2 facilities, 1 specialized ocular oncologist
  • pancreatic cancer – 5 centers, 15 surgeons
  • thyroid cancer – 4 centers, 6 surgeons
  • radiation oncology – 5 centers, 31 radiation oncologists
  • pediatric oncology – 3 centers, 9 pediatric oncologists

All of Kaiser’s centers are or are in the process of being accredited by the Commission on Cancer, meeting rigorous standards in quality, prevention, treatment, and lifelong follow-up care.

For more information about Kaiser’s cancer resources, contact your doctor.

Additional Kaiser Cancer Support Resources

Leading-edge cancer treatment flyer

Benefits while traveling

In general, you must use doctors and facilities in the Kaiser Permanente California region to get benefits. However, emergencies can happen anywhere. As a Kaiser Permanente member, you’re covered for an emergency and urgent care anywhere in the world. Whether you’re traveling in the U.S. or a foreign country, the Emergency and Urgent Care Away from Home brochure explains what to do if you need emergency or urgent care during your trip.

Whether you’re planning a trip or already away from home, our travel line can help you:

  • Find out how to fill an eligible prescription before you leave or while away from home.
  • Find care in a Kaiser Permanente region.
  • File a claim for reimbursement when you’re back.

Call the Kaiser Travel Line at 1-951-268-3900* for additional information.
*This number can be dialed from inside and outside the United States. Outside, you must dial the U.S. country code “001” for landlines and “+1” for mobile lines before the phone number. Long-distance charges may apply. This phone line is closed on major holidays.

Benefits for family members living away from home

Coverage outside Kaiser’s service area is extremely limited. Only emergency services and urgent care related to emergency care are covered. No other services are covered, even if those services are related to an emergency condition.

Filling a prescription at the pharmacy

You can use your Kaiser Visa Health Payment Card to pay for prescriptions. The pharmacy will charge exactly how much you owe for a particular drug under the Kaiser HAP. You’ll get an Explanation of Benefits (EOB) statement in the mail, and you can track how much is left in your Health Account (and Health Care FSA, if you elected it). You can also go to the Kaiser website to view your statement and your Heath Account or Health Care FSA balance.

Filling a prescription for maintenance medications

You can order refills from a Kaiser pharmacy, through Kaiser Permanente’s mail-order service or through Kaiser’s website. You don’t have to use mail order for maintenance/chronic condition medication from Kaiser.

Filling a prescription by mail

Go to the Kaiser website to order prescriptions through Kaiser’s mail-order program. You can also get your prescriptions at Kaiser pharmacies; you don’t have to use mail order.

Filling a prescription for an opioid

If your doctor or dentist prescribes you an opioid, here’s what you should know (Must be connected to PG&E network to view.)