Kaiser Medical

The Kaiser HDHP + HSA has two parts: a high deductible, HSA-compatible medical plan and a tax-advantaged health savings account (HSA).

This plan may be right for you if:

1. You want the lowest per-paycheck cost—even if it means you pay more when you need care.
2. You rarely need to see a doctor; an annual checkup is usually it for the year.
3. You feel comfortable paying for a large health expense that costs almost as much as your deductible.
4. You want the opportunity to accumulate savings and to invest and take part in the plan’s triple tax advantage for future healthcare expenses.
5. You accept that you can only use Kaiser facilities, doctors, and hospitals.

Here’s how it works:

Paycheck costs

• Amounts deducted from your paycheck are lowest.
• Employee-only coverage (meaning you’re an Okta employee covering yourself only) costs you nothing.

Health savings account

• In 2025, Okta will maintain its annual HSA contributions for employees: up to $800 for employee-only coverage and up to $1,600 if you cover one or more family members.
• You can contribute your own money to your HSA, too.
• Use your HSA funds to pay for healthcare expenses—including your annual deductible.

Providers and doctors

• You must use Kaiser facilities and physicians—unless it’s an emergency.
• You also have remote care options, including phone and video visits, and access to MinuteClinics (in certain CVS and Target stores) and Concentra urgent care centers.
• If you’re traveling within an area that has Kaiser facilities and services, you can access in-network care at a Kaiser facility there.
• Traveling to an area that Kaiser doesn’t service? You’re still covered for emergency and urgent care. 

Cost sharing between you and the plan

• You pay $0 for eligible preventive care and prescription drugs that qualify as preventive care.
• An annual deductible applies for most other services. The annual deductible is $3,200 for an individual and $6,400 for families.
• Once you hit the annual deductible, the plan pays 100% of eligible in-network expenses.

Prescription drugs (supply limits apply)

• No out-of-pocket cost after meeting the annual deductible for many drugs; copays may apply for other drugs.
• See the prescription drug formulary list. Use the drop-down menu in the top left corner to choose the prescription drug formulary list in your region.  If you need support finding the formulary for you, review this guide.

The Kaiser HMO offers one-stop shopping for your health needs, including pharmacy services and specialists.

This plan may be right for you if:

1. You want the lowest cost when you receive care—even if it means you pay more per paycheck.
2. You like knowing exactly what you’re going to pay when you go to the doctor.
3. You accept that you can only use Kaiser facilities, doctors, and hospitals.
4. You will have a primary care provider—a single doctor who’s in charge of overseeing all your care.

Here’s how it works:

Paycheck costs

• Per-paycheck costs are higher when compared with the HDHP + HSA plan options.
• That’s because your costs are lower when you need care.

Doctors and other healthcare providers

• You must use Kaiser facilities and physicians—unless it’s an emergency.
• You also have remote care options, including phone and video visits, and access to MinuteClinics (in certain CVS and Target stores) and Concentra urgent care centers.
• If you’re traveling within an area that has Kaiser facilities and services, you can access in-network care at a Kaiser facility there.
• Traveling to an area that Kaiser doesn’t service? You’re still covered for emergency and urgent care.

Cost sharing between you and the plan

• No annual deductible to meet for frequently used services such as doctor office and specialist office visits, emergency room visits, and inpatient hospital stays.
• Some services and supplies cost $0. Others require you to pay a fixed copay or a percentage of the cost. Review Kaiser’s copays, coinsurance, deductible amounts, and other out-of-pocket costs to understand your share of the costs.

Coverage for prescription drugs:

• The copays for prescription drugs vary by region.
• See the prescription drug formulary list. Use the drop-down menu in the top left corner to choose the prescription drug formulary list in your region. If you need support finding the formulary for you, review this guide.

Okta’s Kaiser medical plans offer a variety of ways for you to get the healthcare you need, when you need it. Here’s an overview of in-network healthcare options you can receive in person or virtually.

In person care

For non-emergency illnesses and injuries, Kaiser members have the option to use in-network urgent care centers. Urgent care is typically faster and costs less than an emergency room visit. Urgent care centers for non-emergency care can treat things like sore throats and coughs, allergies, rashes, sprains and cold and sinus infections. Learn more about the difference between urgent care and emergency care. If you live in Northern California, Southern California, or the mid-Atlantic region, you can view urgent care centers in your location. 

Virtual visits

Kaiser offers virtual visits—also known as telemedicine—so you can use your phone, tablet, or computer to immediately connect with a medical professional.

• With NurseLine, you can talk to a Kaiser nurse, 24/7. The phone numbers vary by Kaiser region–refer to the Contacts page to find the right number for you.  
• With Kaiser’s video visit options, you can get care anywhere and at anytime. The video visit links vary by Kaiser region–refer to the Contacts page to find the right number for you.  

Not sure if you should have a virtual or in person visit? Check out this resource, which explains the differences between in person care and virtual visits.

View your options for care

Traveling out of state

For care while traveling out of state, Kaiser HMO and EPO members have access to Cigna’s PPO Network* of providers and facilities. All you’ll need to get care is your digital ID card, available in the Kaiser app. In some locations, members can also get 24/7 care by phone or video from a Kaiser Permanente provider.

For more information, view this summary on routine care options, urgent and emergency care coverage anywhere in the world, and how to find locations and coverage details. You can also use this overview to learn more about care options while you’re away from home.

View these additional resources:

• Travel coverage overview
• Care options for traveling employees
• TravelConnect emergency assistance
   

*The Cigna PPO Network refers to the health care providers (doctors, hospitals, specialists) contracted as part of the Cigna PPO for Shared Administration.

See how easy it is to stay on top of your care. When you register at
kp.org, you get the most out of your membership and can manage your health anytime, anywhere.

Take advantage of convenient perks, from personal health coaching to reduced rates on alternative medical therapies and fitness centers.

Fitness resources

Regular workouts can help improve your mood, sharpen your mind, and help you feel healthier and happier overall. That’s why we teamed up with fitness industry leader ClassPass to make it easy for you to exercise from the comfort of home.

Through ClassPass, Kaiser Permanente members get:

• Access to 4,000+ free online fitness classes, including cardio, dance, meditation, bootcamp, and more.
• A free trial plus 20% off a monthly package to reserve in-person fitness classes at some of the top gyms and fitness studios in your area and around the world.

To get started, visit kp.org/exercise.

You also have access to reduced rates on a variety of health-related services through The ChooseHealthy® Program, which include:

• Active&Fit Direct — members pay $25 per month (plus a one-time $25 enrollment fee) for access to a national network of more than 10,000 fitness centers
• Up to 25% off a contracted provider’s regular rates for:
  • Acupuncture
  • Chiropractic care
  • Massage therapy

Wellness resources

With our wellness resources, you’ll get tools, tips, and information to help you create positive changes in your life. Our complimentary resources can help you:

• Lose weight – learn more about changes for GLP-1 drugs and other anti-obesity medications
• Eat healthier
• Quit smoking
• Reduce stress
• Manage ongoing conditions like diabetes or depression

You can also access:

• Wellness coaching by phone at no cost to you. You can work one-on-one with your personal coach to make a plan to help you reach your health goals.
• Health classes and support groups to help you achieve your health goals. Classes vary by location, and some may require a fee.

Mental health resources

Take steps to build resilience and bounce back from stressful life events with help from our mental health resources. These include online classes, individual counseling sessions, behavioral medicine and online 24/7 emotional support.

You can also manage stress, improve your mood, sleep better, and more with the help of no cost wellness apps. These apps can help you set goals, and take meaningful steps toward becoming healthier and happier. Choose the areas you want to focus on, including managing depression, reducing stress, improving sleep, and more.