Key features of our deductible HMO plans with HRA

• A selection of deductible HMO plans. Choose from a range of deductibles, copays, and coinsurance for members and their families.

• Coordinated care. Specialty care, hospital care, and pharmacy coverage are all linked in our integrated care model.

• No-cost preventive services. Preventive services are covered at no cost to members.

Advantages of an HRA

• Lower rates and tax savings. HRAs offer lower monthly rates than other plan types, plus HRA contributions are tax deductible for employers and tax free for employees.¹

• Financial protection for members. Members are protected from higher out-of-pocket costs and empowered to become well-informed health care consumers.

• More control. HRAs are 100% owned and funded by employers, who control their own annual contribution level and the amount employees can roll over.

• Better cash-flow management. Employers keep more money up front, contributing funds only as employees accrue expenses.

• HRA administrator¹. Open an HRA administered through Kaiser Permanente or an HRA with an administrator of your choice.

• Easy access to funds. Choose from convenient fund access options including a Kaiser Permanente health payment card or automatic HRA claims filing.

Personalized support, services, and tools for members

• Decision-support tools. Online resources such as the sample fee list and treatment fee tool give members clear explanations of care costs so they can better plan for health-related decisions and expenses.

• Industry-leading personal health record. Members can sign on to kp.org to e-mail their doctors' offices, refill prescriptions, check most lab results, and much more.

• Healthy lifestyle programs. Online healthy lifestyle programs assess members' total health and help them manage weight, nutrition, stress, smoking, and more.

• Education and advice. Health education classes (many of which are available to members at no cost) and online guides and encyclopedias can help members make more informed health decisions.

Workforce health²

Whether companies are new to workforce health or expanding their programs, Kaiser Permanente has the answer. Choose from a rich set of services, tools, and resources already built into our deductible plans—or add extra features for an additional cost.

• Online programs and resources. Health and productivity tools, healthy lifestyle programs, a walking program, and more—these tools encourage members to make healthier choices that can lower costs.
• Onsite services. Companies can build a culture of health with fruit delivery at work, a healthy vending machine program, health promotion classes, and onsite screenings.
  
• Communication tools. Ready-to-print promotional posters, flyers, and health tips encourage employee participation.
  
• Measurement tools. Companies can find out what works in their workforce health programs with surveys, assessments, reports, and summaries.
  
• Implementation support. Workforce health consultants, a step-by-step implementation guide, and a detailed workbook are available for support.
  

Tools and resources

• Complete Suite. Our Complete Suite portfolio makes it easy to choose the right deductible HMO plan for any business. Custom plans are available for large groups. For more information, please contact your sales representative.
  

¹ _{Tax references relate to federal income tax only. Consult with your financial or tax advisor for information about state income tax laws.}
² _{Services may vary depending on your group size and the package you select. Please check with your broker or Kaiser Permanente representative for details.}

_{To view the list of qualified medical expenses defined under Internal Revenue Code Section 213(d), see IRS Publication 502, Medical and Dental Expenses, at irs.gov/publications.}

_{This information was accurate at the time of posting. Please contact your Kaiser Permanente account manager for the most current information.}