Taking Action

Care and Coverage for Low-income Coloradans

October 30, 2013

  REGIONS: Colorado 

Kaiser Permanente Colorado creates and supports programs that reduce financial barriers for the uninsured and under-insured to gain access to health care. We accomplish this through:

  • Charitable care — Medical Financial Assistance
  • Charitable coverage — Colorado Bridge Program
  • Subsidized programs — Medicaid and Child Health Plan Plus (CHP+)­

Charitable Care — Medical Financial Assistance

Kaiser Permanente’s Medical Financial Assistance (MFA) program provides financial assistance for qualifying patients who need help paying for emergency or medically necessary care they receive in a Kaiser Permanente medical office or by a Kaiser Permanente provider.  Patients must fill out an application to apply and must meet the eligibility requirements listed below to qualify.

Who is eligible for Financial Assistance and what are the requirements?

The program helps low-income, uninsured, or underserved patients who need help paying for all or part of their medical care.  Patients are eligible for financial assistance when their household income is at or below 300% of the Federal Poverty Guidelines (FPG).  Evaluation of other criteria may be required.  Patients should consult with a Medical Financial Assistance Liaison to determine eligibility and for assistance applying.  Patients who have experienced a catastrophic event or who meet special circumstance criteria may be eligible for financial assistance, regardless of household income.

Patients who are eligible for medical financial assistance will not be charged more than amounts generally billed (AGB) for emergency or other medically necessary care to patients with insurance (AGB, as defined by IRS Section 501(r)).

Explanation of uninsured discount

Uninsured individuals receive a discount on professional charges for emergency or other medically necessary care. The discount is provided to ensure that an uninsured individual is not charged more for emergency or other medically necessary care than the amounts billed to insured individuals who receive the equivalent care. These services are reduced to the Medicare Fee Schedule rates determined by Centers for Medicare and Medicaid Services (CMS). These rates are reassessed annually.

What does the program cover?

The Medical Financial Assistance program covers emergency and medically necessary care provided at a Kaiser Permanente medical office or pharmacy, or provided by a Kaiser Permanente physician or Kaiser Permanente provider.  The types of services not covered are premiums and dues; hearing aids; and cosmetic, non-urgent and venture services.

How do I apply?

Please request an application from any of the following sources:

  • Patient registration department at your local Medical Office
  • Call 303-338-3555 or 1-866-899-6018 (TTY: 1-800-659-2656), Monday – Friday, 8 a.m. – 5 p.m.
  • By mail (at no cost) to P.O. Box 378066, Denver, Colorado 80237
  • Download an application in English or Spanish here

Please mail completed applications (including all required documentation and information specified in the application instructions) to P.O. Box 378066, Denver, Colorado 80237, or deliver in person to Water Park 1 Building ATTN: Medical Financial Assistance Department at 2500 South Havana Street, Denver, Colorado 80014.

We’ll review submitted applications only once they are complete and we’ll determine whether you are eligible according to the Kaiser Permanente Medical Financial Assistance Policy. We will not consider incomplete applications, but will notify and provide you an opportunity to send in the missing documentation or information, by the required deadline.

Is there language assistance?

Interpreters are available to you at no cost. For more information, call 1-866-899-6018 (TTY: 1-800-659-2656).

How can I get a copy of Kaiser Permanente’s Financial Assistance policy? 

You may download a copy of Kaiser Permanente’s Medical Financial Assistance policy and program summary below.

You may also request your free copy by calling 1-866-899-6018, or mailing to P.O. Box 378066, Denver, Colorado 80237.

Need help?

For help or questions about the Medical Financial Assistance application process, please call 1-866-899-6018
(TTY: 1-800-659-2656), or speak to a financial counselor or patient registration associate, in the patient registration department at your local medical office.

Charitable Coverage ― Colorado Bridge Program

The Colorado Bridge Program is designed to help those who are uninsured and income eligible, pay for the Gold 0/20 Kaiser Permanente Individuals and Families plan. Benefits include reduced rates for up to 24 months (prior to December 31, 2015), with an opportunity to renew. Monthly premiums are based on family size and income with no cost sharing (copayments, coinsurance, and deductible) for services at Kaiser Permanente medical offices. The coverage includes preventive and specialty service, hospitalization, and pharmacy benefits.

Who is eligible:

  • Applicants must live within the Kaiser Foundation Health Plan of Colorado service area based on county zip code
  • Applicants under the age of 35 years
  • Applicants must be income eligible
  • Applicants cannot have access to other coverage options such as, but not limited to the following:
  • Employer-sponsored health plan
  • Medicaid/Child Health Plan Plus (CHP+)
  • Federal financial assistance through the marketplace
  • Medicare

For more information click here  to download a brochure/application.

Charitable Coverage ― Government Programs

Kaiser Permanente participates in publicly subsidized programs such as Medicaid and CHP+ in order to make our quality care accessible to more people in our communities, and serve vulnerable populations.

Medicaid is a statewide, government subsidized insurance program covering low-income and disabled adults and children. The program is for individuals with little to no income, or a disability that affects their ability to work.

Child Health Plan Plus is a statewide, government-subsidized insurance program covering low-income children who don’t qualify for Medicaid, and whose families cannot afford private coverage.

Kaiser Permanente is committed to serving as a leader in public policy for improving the delivery of care for the underserved, and to represent the health interests of all our community members.

Our practice of evidence-based medicine and expertise in preventive care and disease management will serve to improve the delivery of care in our communities and influence the management of our public programs.

If you need health care for yourself or your family, there are options you can afford.  Please visit Kaiser Permanente Colorado’s web resource, Find Your Plan, to get more information.