How to Pay Your Kaiser Permanente Premium Bill Online

Paying your monthly premium bill to Kaiser Permanente is easy and convenient with online bill pay. You can view your bill details, make a one-time payment, set up autopay, and manage payment methods all in one place This comprehensive guide will walk you through the entire Kaiser Permanente premium bill payment process step-by-step.

Who Needs to Pay the Kaiser Permanente Premium Bill?

If you have health insurance coverage through Kaiser Permanente you will receive a monthly premium bill for that coverage. Premium bills are owed by members with

• Individual and family plans purchased directly from Kaiser Permanente

• Individual and family plans purchased through the health insurance marketplace

• Employer-sponsored plans

• Medicare Advantage plans

• COBRA plans

Premium bills cover the ongoing costs of your health plan and are separate from any bills you receive for medical services. As long as you are an active member, you need to pay your premium bill each month to maintain coverage.

When is the Premium Bill Due?

Kaiser Permanente premium bills are due on the first day of each month. However, you have a grace period before your coverage lapses:

• Individual plans: You have a 3-month grace period to pay your outstanding premiums before your plan is cancelled.

• Group plans: You have a 30-day grace period to pay overdue premiums before your coverage is terminated.

To avoid any gaps in coverage, it’s important to pay your premium bill in full each month by the due date.

How Can I Pay My Kaiser Permanente Premium Bill?

Kaiser Permanente offers several convenient payment options:

Pay Online

The easiest way to pay your premium bill is through the Kaiser Permanente website or mobile app. You can pay with a credit/debit card, HSA card, or bank account. Online payments are credited to your account immediately.

Pay by Phone

Call the automated pay-by-phone line at 1-800-731-4661 to make a payment using a credit/debit card, HSA card, or bank account. There is no fee for paying by phone.

Pay by Mail

Mail a check or money order along with your remittance slip to the payment address printed on your bill statement. Allow 5-7 business days for mailed payments to process.

Pay in Person

Take your bill payment to a Kaiser Permanente facility during regular business hours. Payments made in-person are credited right away.

AutoPay

Set up automatic monthly payments from a credit/debit card or bank account so you never miss a payment. Your premium will be deducted on the 5th of each month.

How to Pay Your Bill Online Step-by-Step

Follow these simple steps to pay your Kaiser Permanente premium bill online:

1. Log into your Kaiser Permanente account at kp.org.

2. Click on the “Billing” tab.

3. Select “Pay Premium Bill”.

4. Choose the coverage type you need to pay for:

   • Individual – Exchange
   • Individual
   • COBRA
   • Medicare

5. Review your account balance and monthly bill.

6. Enter your payment amount (full or partial payment).

7. Select a payment method:

   • Credit/Debit Card
   • HSA Card
   • Bank Account

8. Enter your payment information and submit.

Once submitted, your payment will be immediately credited to your account. You can view payment receipts and billing history anytime under the “Billing” tab.

Can I Make a Partial Payment?

Yes, Kaiser Permanente allows partial payments on premium bills. However, any unpaid balance will carry over to the next month’s bill. Partial payments still leave your account in arrears, which can eventually lead to termination of coverage if not paid in full.

To avoid gaps in coverage, it’s recommended to pay your full balance each month. But partial payments can help chip away at any outstanding balances you may have.

Are There Payment Plan Options?

If you are having difficulty paying your full premium bill on time, Kaiser Permanente offers payment plan options:

• Individuals: You may qualify for a Monthly Bill Plan to divide your premium balance into smaller monthly payments.

• Group plans: Your employer may offer Extended Payment Plans to catch up on late premiums in installments.

Contact Kaiser Permanente Member Services to discuss premium payment plan options available to you. Having an established payment plan can help avoid costly gaps in your health coverage.

What If I Miss My Premium Payment Deadline?

If you are unable to pay your full premium balance by the due date, your account will become delinquent. Kaiser Permanente allows a grace period before terminating coverage for non-payment:

• Individual plans: You have a 3-month grace period to pay all outstanding premiums before your plan is cancelled.

• Group plans: You have 30 days to pay overdue premiums before your health benefits end.

It’s crucial to pay off delinquent premiums during the grace period to avoid a lapse in coverage. If your coverage does lapse, you may have to wait until the next Open Enrollment period to re-enroll.

Need Help Paying Your Kaiser Permanente Premium?

If you are struggling to pay your monthly premiums, Kaiser Permanente offers financial assistance programs that can lower your premium costs based on your household size and income:

• Individuals: You may qualify for federal tax credits and subsidies to reduce your marketplace plan premium.

• Group plans: Your employer may contribute funds through an integrated health reimbursement arrangement.

In addition, Kaiser Permanente offers charity care programs for low-income individuals unable to afford their medical expenses, including premiums.

Contact Kaiser Permanente Member Services to learn about available financial assistance programs that can make your premiums more affordable.

Paying your Kaiser Permanente premium bill on time every month ensures you maintain access to important health coverage when you need it. Follow this comprehensive guide for easy step-by-step instructions on how to conveniently pay your bill online, by phone, or by mail.