Headline: Deductible Plans

Understanding your bill


You’ll need to make a payment for most scheduled services when you check in for your visit. Get a cost estimate before your appointment so you know what to expect.

What you pay at check-in may not cover the full charges for the services you receive. You’ll get a bill later for any balance you owe.

You should expect a bill after your visit if:

  • your payment at check-in didn’t cover the full cost of the services you were scheduled to receive, and/or
  • you received additional services during your visit that weren’t scheduled

Charges for unscheduled services


Your doctor and care team may not know all the services you’ll need until they see you. When you come in for a scheduled visit, your doctor may request additional services like lab tests or X-rays. Charges for these unscheduled services will appear on your bill.

Costs for non-preventive care services


You may receive different types of services during the same visit. And these may result in different costs.

For example, suppose you come in for a routine physical. Since routine physicals are considered a preventive care service, they’re typically covered at no cost or at a copay. During your checkup, however, your doctor might decide that a mole needs to be removed for testing. Because mole removal and the lab tests involved in testing are considered non-preventive care services, you’d probably have to pay an additional copay, coinsurance, or deductible payment for these procedures. So, although your routine physical exam would be covered at no cost or at a copay as a preventive care service, additional payments would probably be required for the two non-preventive services connected with your visit. The extra costs will appear on your bill later.

Types of bills


Depending on the types of services you receive, you may get what’s known as a professional bill or a hospital bill.

  • Professional bill — This bill will show your charges for services usually received at a medical office, including doctor’s office visits, lab tests, and X-rays. It may also include physician-related services provided in a hospital — for example, when a radiologist reviews X-rays taken in a hospital.
  • Hospital bill — If you’re admitted to the hospital, this bill will show your charges for most services you receive there, including surgery and anesthesia.

Reading your bill


The bill you get at home will show the services you received and the amount you owe, along with how much of the total charges were paid by your health plan. See the summary on the back of your bill for a helpful overview of how to read it.

View a sample bill♦ so you know what to expect.

When you'll get your bill


You’ll usually get a bill for any month that you come in for services or have any charges or payments posted to your account. Services and related payments may take up to 125 days to appear on your bill. If you don’t see a recent service or payment on your bill, look for it on a future bill. If you have a health reimbursement arrangement (HRA), you'll be able to use your bill to validate expenses on your HRA account.

Paying your bill

 

For your convenience, there are a variety of ways to pay your bill. You can view and pay your bill online by signing on to kp.org, using the Kaiser Permanente app, or follow the instructions on your bill to pay by mail. You can also call the number on your bill.

Online anytime: The easiest way to pay is to visit kp.org/paymedicalbills. You can securely pay your bill.
On your mobile device: You can securely view and pay medical bills using the Kaiser Permanente app.
By mail: Send your payment in the return envelope that came with your bill.
By phone: Call the number on the back of your Kaiser Permanente ID card.

Contact us


If you have other questions about your bill, call the number on the back of your Kaiser Permanente ID card.

For additional information:


Paying for care brochure
Understanding your costs flier


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