A better choice for good health

Transcription

1 Federal Employees and Annuitants 2015 Rates and Benefits Northern California Reion This is an advertisement No rate increase, better benefits New rewards benefit A better choice for ood health a wide rane of specialists test results online convenient facilities near you I can choose and chane my doctor anytime better care for healthier tomorrows I can my doctor I m part of the decision free to focus on you Not a member yet? For more information, visit kp.or/feds or call , Monday throuh Friday, 8 a.m. to 5 p.m. Open Season hours: 7 days a week, 5 a.m. to 7 p.m. Statements above relate to Kaiser Permanente physicians and services only. kp.or/feds

2 Discover the Kaiser Permanente difference With care and coverae workin seamlessly toether, Kaiser Permanente is uniquely desined to be your partner in health so you can feel your best in mind, body, and spirit. your choice of top doctors You can choose and chane your doctor anytime, for any reason. Our doctors are amon the best. They love carin for people and aren t weihed down by a lot of paperwork, so they can focus on you. online access anytime, anywhere It s easy to stay involved in your care. Use your computer or mobile device to your doctor s office, schedule routine appointments, view most lab test results, refill most prescriptions, and more. everythin under one roof You can do more and drive less because most of our locations include pharmacy, lab, X-ray services, and more. healthy rewards Stay at your best with resources like wellness classes, and new this year cash rewards for takin healthy steps. personalized care and attention You re at the center of your care. Your doctors, nurses, and specialists, all connected by your electronic health record, work toether to help you manae your health. healthier tomorrows Every decision starts with what s best for you. That s why our hihquality care for conditions like cancer, heart disease, and diabetes leads to better outcomes and healthier tomorrows. kp.or/feds Note: Many features discussed in this book are available only to members receivin care at Kaiser Permanente medical facilities.

3 Kaiser Permanente A better choice for ood health Your partner in ood health Nationwide, over 9 million people turn to us as their trusted partner in total health. Take a look, and you ll see why Kaiser Permanente is a better choice. The power to choose...2 Excellent care...3 Your health. Your way...4 Healthy extras...5 NEW Rewards benefit...6 Choose the plan that s riht for you...7 Your 2015 benefits summary...8 Benefit hihlihts...9 Kaiser Permanente Senior Advantae (HMO) for Federal Members...10 How to enroll...11 Our locations...12 Prefer to see this information online? Go to kp.or/feds. Already a member? If you re currently a member and have questions, please call our Member Service Contact Center at , 24 hours a day, 7 days a week (closed holidays). For TTY for the hearin/speech impaired, call To learn more about Kaiser Permanente, visit kp.or. 1

4 The power to choose Stay in chare of your health. It s simple to make smart choices when you have reat doctors and convenient facilities. Your choice of top doctors You have a wide selection of skilled doctors that you can choose from and chane anytime, for any reason. Our doctors: Come from many of the top medical schools in the country Work hand in hand with your entire care team, who are all connected by your electronic health record Don t have excessive paperwork so they can focus on deliverin the care you need Care about their patients and love what they do Under-one-roof access Save time and avoid drivin all over town for care. You ll have many locations to choose from, and most of them offer multiple services under one roof. You can see your doctor, et a lab test or an X-ray, and pick up your medications all without leavin the buildin. And when you et care with fewer delays, you can et better faster too. Time-savin features 1 your doctor s office with routine questions. Get same-day, after-hours, and weekend services at most locations. Doctors and staff who speak more than one lanuae, providin personalized care. Refill most prescriptions online with free shippin. Make routine appointments with a call or click. View recent office visits and most test results online. Call an advice nurse with access to your health information, 24/7. Travel freely; you re covered for emerency care worldwide. Hear examples of how Kaiser Permanente has helped different members at kp.or/carestories. Your electronic health record brins it all toether Your doctor s office Your record ets updated with each visit to a Kaiser Permanente facility, so it s current. Pharmacy, lab, X-ray No need for paperwork when you et services at our facilities your doctor s orders are already there. 2

5 Excellent care Kaiser Permanente has one of the larest multispecialty medical roups in the country, which includes cardioloists, cardiac sureons, and others. Personalized care and attention A care team that s informed and focused on you can lead to better health. From your doctor and careivers who are all connected to your electronic health record and keep up-to-date on how you re doin to our free online prorams and Wellness Coachin by Phone service, your care is not one-size-fits-all. It s personalized to your needs and schedule. Top specialty care for healthier tomorrows Our doctors, nurses, and other careivers use an advanced care delivery system that Kaiser Permanente pioneered. It s had a measurable impact on the prevention, detection, and treatment of conditions like cancer, heart disease, stroke, and diabetes. We were also rated in the top 10 percent amon cholesterol manaement prorams for patients with cardiovascular conditions. 2 Leaders in prevention We ve been committed to preventive care and overall wellness for over 65 years. As a result, we re: #1 in screenins for breast cancer in all our reions. Rated in the top 10 percent for cervical and colon cancer screenins. Plus, 86 percent of our members who were dianosed with hih blood pressure now have their blood pressure under control, compared to 50 percent nationally. 2,3 Learn more about the doctors available in your area at kp.or/doctorsandlocations. Specialty care Your specialists are up to speed and ready to take care of you. At home or on the o Get your health information on your computer or mobile device to stay informed and in chare. 3

6 Your health. Your way. We re always here when you need us, however you need us. You et many services under one roof at most of our locations and can call an advice nurse 24/7. Online or throuh mobile, you can manae your family s health needs anytime, anywhere. It s easy to stay connected Members reistered on kp.or have secure access to My Health Manaer, the online tool that helps you manae your family s health care anytime, anywhere. With My Health Manaer, you can: your doctor s office with routine questions. Refill most prescriptions. View most lab test results. Schedule or cancel routine appointments. A website full of healthy ideas Get informed and inspired on our award-winnin website, kp.or. Take chare of your health with articles, wellness topics, and health calculators. Our music channels, podcasts, fitness videos, and recipes from world-class chefs can help you find new and interestin ways to live well and thrive. Good health on the o Manae your care at home, work, or play with our mobile app, which puts all the convenient features of My Health Manaer riht in the palm of your hand. You can download the free Kaiser Permanente app from the App Store SM or Goole Play. App Store is a service mark of Apple, Inc., and Goole Play is a trademark of Goole, Inc. For a uided tour of My Health Manaer, visit kp.or/experience. Top reasons to join Kaiser Permanente You can choose and chane your doctor anytime, for any reason. Excellent care for conditions like cancer, heart disease, and diabetes, leads to healthier tomorrows. 4

7 Healthy extras Good health starts with helpful information and resources. That s why you et lots of healthy extras that can help you stay educated on ways to live healthier in body, mind, and spirit. Learn somethin new Help to quit smokin Maximize your health Fit wellness into your schedule, no matter how busy you are. With the many health classes offered at our facilities, there s somethin for everyone. Try classes on yoa, eatin well, baby care, onoin health conditions, and much more. Classes vary by location and some may require a fee. If you re ready to quit, we ll make it easier. As a FEHB member, you pay nothin for tobacco-cessation prorams and prescriptions, includin prescribed over-the-counter tobacco-cessation drus approved by the FDA to treat tobacco dependence. Talk to your physician about your treatment options. For more information about your coverae, refer to your Federal Brochure (RI ). Our personalized online wellness prorams can help you lose weiht, stay active, reduce stress, sleep better, and much more. You can also download the free Every Body Walk! app for your smartphone or mobile device from the App Store or Goole Play. It s a fun, interactive tool to help you create and maintain a daily walkin routine. Find tools, tips, and information for livin well at kp.or/livehealthy. Under-one-roof convenience and care online or by phone means you can manae your health needs anytime, anywhere. Healthy extras like on-site classes* and farmers markets help you stay well. * Some classes may require a fee. 5

8 NEW Rewards benefit With cash rewards for takin healthy steps, you ve ot a plan that can help you feel your best. You can et reward cards worth up to $75 for takin steps to improve your health. Challene yourself and earn up to $75: $50 for completin a Total Health Assessment This online questionnaire ives you a picture of your overall health, plus an action plan that s based on your answers. $25 for completin an online healthy lifestyle proram Get help to reduce stress, quit smokin, lose weiht, and more. You can take a proram when it s convenient for you, at your own pace. Startin January 1, 2015, visit kp.or/feds to et started. There you ll find information and links to the Total Health Assessment and healthy lifestyle prorams. The rewards proram runs from January 1, 2015, throuh December 31, 2015, and is open to all Kaiser Permanente FEHB subscribers and their enrolled spouses who are 18 and older. You can take the Total Health Assessment as often as you d like and as many healthy lifestyle prorams as you d like, but you can only earn rewards for them once durin the reward period. You must complete the activities durin the calendar year. Rewards will be issued 4 to 6 weeks after you complete your activity. 6

9 Choose the plan that s riht for you Select from the Hih Option, the Standard Option, or the Basic Option. With each, you ll et a wide rane of services and resources to help you stay healthy. Hih Option Standard Option Basic Option You pay hiher premiums but lower copays for most health care services and prescription drus. You don t pay a deductible. You ll et a 25 percent discount on eyelasses and contact lenses at Vision Essentials by Kaiser Permanente optical centers. 4 You pay lower premiums compared to the Hih Option. You ll pay hiher copays for office visits and urent care visits, compared to the Hih and Basic Options. You pay a lower deductible and then copays for certain services, like inpatient hospital services, labs, and X-rays. You pay the lowest premiums. Compared to the Standard Option, you ll pay lower copays for office visits and urent care visits. You pay a hiher deductible and then coinsurance for certain services, like inpatient hospital services, labs, and X-rays. Your supplemental dental options You can also choose from 2 dental plans to supplement your health coverae. 4 Kaiser Permanente Insurance Company (KPIC) Dental Insurance Plan This plan ives you the freedom to see any licensed dentist you choose, with no deductible for preventive and dianostic services. When you visit a participatin Delta dentist in California, all claims paperwork will be handled for you. DeltaCare USA With this dental HMO plan, you ll select a dentist from the DeltaCare USA network. There are no claim forms to fill out and no deductibles. Most preventive and dianostic services are available at little or no cost to you. For other covered services, you ll pay a simple copay Dental Rates KPIC DeltaCare USA Monthly Monthly Quarterly Self Only $31.42 $12.83 $38.49 Self + 1 $55.68 $21.48 $64.44 Self + 2 or more $83.70 $32.56 $97.68 If you re a new member and want more information, call Current members, call KPIC Dental Insurance Plan, (roup number 9874) or DeltaCare USA, (roup number 1114). You can also view Kaiser Permanente s dental plans and enrollment materials at kp.or/feds. 7

10 Your 2015 benefits summary Benefits and services Hih Option Standard Option Basic Option Preventive care (not subject to deductible) Routine physical exam $0 $0 $0 Deductible Outpatient services (per visit or procedure) None $200 (up to $400 per family) $500 (up to $1,000 per family) Primary/specialty care office visit $15/$25 $30/$40 $25/$35 Most X-rays and lab tests $0 $10 after deductible Outpatient surery $50 $200 after deductible 20% of our allowance after deductible 20% of our allowance after deductible Chiropractic services (up to 20 visits per year) 5 $15 $15 $15 Inpatient hospital care Room and board, surery, anesthesia, X-rays, lab tests, medications Maternity Routine prenatal care visit, first postpartum visit Delivery $250 per admission $500 per admission after deductible 20% of our allowance after deductible $0 $0 $0 $250 per admission $500 per admission after deductible 20% of our allowance after deductible Emerency and urent care (per visit or trip) Emerency care $100 $150 after deductible 20% of our allowance after deductible Urent care $15 $30 $25 Ambulance $50 $150 after deductible 20% of our allowance after deductible Most prescription drus At Plan pharmacy, up to a 30-day supply (mail-order service: up to a 100-day supply for 2 copays) Maximum out-of-pocket per person/family Generic: $10 Brand: $30 Generic: $15 Brand: $35 Generic: $15 Brand: $35 $1,500/$3,000 $2,000/$4,000 $5,500/$11,000 Your premium share* Hih Option Standard Option Basic Option Biweekly $ $99.77 $79.10 Non-Postal Monthly $ $ $ Self Only Postal 1 Biweekly $ $85.74 $65.07 Postal 2 Biweekly $ $99.77 $79.10 Biweekly $ $ $ Non-Postal Self and Monthly $ $ $ Family Postal 1 Biweekly $ $ $ Postal 2 Biweekly $ $ $ * These rates do not apply to all enrollees. If you are in a special enrollment cateory, please refer to your special Guide to Federal Benefits or contact the aency or Tribal Employer which maintains your health benefits enrollment. 8

11 Benefit hihlihts With care anywhere you o, prescription drus savins, and chiropractic care without a referral, you ll have a plan that ives you more. Worldwide coverae Wherever life takes you, we ve ot you covered. As a Kaiser Permanente Federal Employees Health Benefits (FEHB) member, your benefit oes even further than your home service area. You ll et: Coverae for emerency care worldwide at emerency departments and urent care centers. Care from any Kaiser Permanente facility in another reion throuh the Visitin Member Proram. Coverae for certain outpatient follow-up care and outpatient continuin care outside of Kaiser Permanente service areas throuh the FEHB travel benefit. Save on prescription drus Save time and money by orderin prescription refills online, on your smartphone, or by callin the phone number on your prescription label. Prescription refills can be mailed to your home at no extra chare. And when you order refills by mail order, you et a 100-day supply and pay only twice the 30-day supply Plan pharmacy copay. Chiropractic without a referral You can visit any American Specialty Health Plans of California, Inc. (ASH) participatin provider with no referral. Chiropractic services are covered if they re needed to dianose or treat neuromusculoskeletal disorders, as prescribed and provided by an ASH Plans participatin provider. Find a participatin provider by callin , Monday throuh Friday from 5 a.m. to 6 p.m. For TTY for the hearin/speech impaired, call Improvements to your benefits: You can earn up to $75 in rewards for participatin in healthy livin activities. More services, like prescription drus, now apply to your out-of-pocket maximum. 9

12 Kaiser Permanente Senior Advantae (HMO) for Federal Members If you re eliible for Medicare, you have an option to choose Kaiser Permanente Senior Advantae (HMO) for Federal Members. Added benefits Get more information If you decide to enroll in Senior Advantae (HMO) for Federal Members, you ll et richer benefits than with your FEHB coverae alone. You ll et all of your FEHB benefits, plus: Lower copays for office visits and for most other services, such as inpatient hospital admissions and most prescription drus. Up to a 100-day supply of prescription drus at Plan pharmacies for one copay (Hih Option only). Extra credit toward the purchase of eyelasses and contact lenses. Extra coverae for preventive dental care throuh DeltaCare USA with no additional premium (Hih and Standard Option only). Download our free brochure, Your Guide to Choosin a Kaiser Permanente Medicare Health Plan, at kp.or/feds, or to have one sent to you, call our licensed sales specialists at , 8 a.m. to 8 p.m., 7 days a week. For TTY for the deaf, hard of hearin, or speech impaired, call 711. Kaiser Permanente is an HMO plan with a Medicare contract. Enrollment in Kaiser Permanente depends on contract renewal. To join a Kaiser Permanente Medicare Health Plan, you must reside in the Kaiser Permanente Senior Advantae service area in which you enroll. Benefits, formulary, pharmacy network, provider network, premium and/or copayments/coinsurance may chane on January 1 of each year and at other times in accord with your roup s contract with us. The benefit information provided is a brief summary, not a complete description of benefits. For more information contact the plan. Limitations, copayments, and restrictions may apply. You must pay the Medicare Part B premium to join a Kaiser Permanente Medicare health plan. Enrollin in Senior Advantae for Federal Members will not affect the benefits you receive throuh the Federal Employees Health Benefits (FEHB) Proram, althouh the network and other rules of Medicare may apply. 10

13 How to enroll Becomin a member is easy. Just follow the 3 simple steps below. 1. Choose an option Select our Hih, Standard, or Basic Option. Brief descriptions of these options are on pae 7. Find details about benefits and rates on pae Select the type of enrollment you want Select Self Only or Self and Family. Self Only enrollment provides benefits for you. Self and Family enrollment provides benefits for you and your eliible family members. 3. Enroll in Kaiser Permanente Find your enrollment code in the chart below. Most employees and annuitants can enroll online. Visit opm.ov or contact your employin aency or retirement office for FEHB enrollment procedures and other information. Annuitants can contact the Retirement Information Center at or for TTY, , or retire@opm.ov. If you re eliible for Medicare, or will be soon, see pae 10 for additional information. Enrollment Code Hih Option Standard Option Basic Option Self Only KC1 Self and Family KC2 This brochure summarizes the features of the Kaiser Permanente health plan. Before makin a final decision, please read the Plan s Federal brochure (RI ). All benefits are subject to the definitions, limitations, and exclusions set forth in the Federal brochure. This pae contains hihlihts of the FEHB enrollment process. Please refer directly to opm.ov and your employin aency or retirement office for FEHB coverae effective dates, enrollment procedures and deadlines, and other information. To add an eliible family member to your Kaiser Permanente Self and Family enrollment, complete and return an Enrollment Chane Form to us. These forms can be obtained at kp.or/feds or by callin Member Services. 11

14 Our locations What s new in Northern California: Oakland Medical Center: Our expanded facility features a new, 12-story hospital with a comprehensive pediatric center and 14 inpatient operatin rooms. San Leandro Medical Center: The new hospital includes a 24-hour pharmacy and a 24-hour Emerency Department, with 40 private treatment rooms. Redwood City Hospital (scheduled to open late 2014): The new hospital will include our world-class neuroscience center, which treats members for brain and spine conditions. San Mateo Fresno County n Kaiser Permanente medical centers (hospital and medical offices) Kaiser Permanente medical offices Affiliated plan hospitals Affiliated medical offices Maps not to scale 12

15 Our locations City Facility Address Alameda Alameda Medical Offices 2417 Central Ave. Antioch n Antioch Medical Center 4501 Sand Creek Road Delta Fair Medical Offices 3400 Delta Fair Blvd. Bolinas Bolinas Family Practice 88 Mesa Road Campbell Campbell Medical Offices 220 E. Hacienda Ave. Clovis Clovis Medical Offices 2071 E. Herndon Ave. Daly City Daly City Medical Offices 395 Hickey Blvd. Davis Davis Medical Offices 1955 Cowell Blvd. Elk Grove Elk Grove Medical Offices 9201 Bi Horn Blvd. Elk Grove Promenade Promenade Pkwy. Medical Offices Fairfield Fairfield Medical Offices 1550 Gateway Blvd. Folsom Folsom Medical Offices 2155 Iron Point Road Fremont n Fremont Medical Center Paseo Padre Pkwy. Fresno n Fresno Medical Center 7300 N. Fresno St. First Street Medical Offices 4785 N. First St. Gilroy Gilroy Medical Offices 7520 Arroyo Circle Hayward Sleepy Hollow Medical Offices Sleepy Hollow Ave. Lincoln Lincoln Medical Offices 1900 Dresden Drive Livermore Livermore Medical Offices 3000 Las Positas Road Manteca n Manteca Medical Center 1777 W. Yosemite Ave. Manteca Medical Offices 1721 W. Yosemite Ave. Martinez Martinez Medical Offices 200 Muir Road Mill Valley Mill Valley Medical Offices 750 Redwood Hwy. Milpitas Milpitas Medical Offices 770 E. Calaveras Blvd. Modesto n Modesto Medical Center 4601 Dale Road Bans Avenue Medical Offices 4125 Bans Ave. n Kaiser Permanente medical centers (hospital and medical offices) Locations are in bold. Kaiser Permanente medical offices Affiliated plan hospitals Affiliated medical offices 13

16 Our locations City Facility Address Modesto (continued) Modesto Medical Offices 4601 Dale Road Standiford Avenue Medical Offices 1320 Standiford Ave. Cornerstone Family Practice Medical Group Family Health Care Medical Group 1444 Florida Ave Celeste Drive Mountain View Mountain View Medical Offices 555 Castro St. 565 Castro St. Napa Napa Medical Offices 3285 Claremont Way 1675 Permanente Way Novato Novato Medical Offices 97 San Marin Drive Oakhurst Oakhurst Medical Offices Westlake Drive Oakland n Oakland Medical Center 3600 Broadway Patterson First Care Medical Center 101 N. Third St. Petaluma Petaluma Medical Offices 3900 Lakeville Hwy. Pinole Pinole Medical Offices 1301 Pinole Valley Road Pleasanton Pleasanton Medical Offices 7601 Stoneride Drive Point Reyes Station Point Reyes Medical Clinic 3 Sixth St. West Marin Medical Center State Route 1 Rancho Cordova Rancho Cordova Medical Offices International Drive Redwood City n Redwood City Medical Center 1150 Veterans Blvd. Richmond n Richmond Medical Center 901 Nevin Ave. Rohnert Park Rohnert Park Medical Offices 5900 State Farm Drive Roseville n Roseville Medical Center 1600 Eureka Road Roseville Medical Offices Riverside 1001 Riverside Ave. n Kaiser Permanente medical centers (hospital and medical offices) Locations are in bold. Kaiser Permanente medical offices Affiliated plan hospitals Affiliated medical offices 14

17 Our locations City Facility Address Sacramento n Sacramento Medical Center 2025 Morse Ave. n South Sacramento Medical Center Fair Oaks Boulevard Medical Offices Point West Medical Offices 6600 Bruceville Road 2345 Fair Oaks Blvd Response Road San Bruno Bayhill Medical Offices 801 Traeer Ave. 851 Traeer Ave. San Bruno Medical Offices Sneath Lane Medical Offices 901 El Camino Real 1001 Sneath Lane 1011 Sneath Lane San Francisco n San Francisco Medical Center 2425 Geary Blvd. San Jose n San Jose Medical Center 250 Hospital Pkwy. San Leandro n San Leandro Medical Center 2500 Merced St. San Mateo San Mateo Medical Offices 1000 Franklin Pkwy. San Rafael n San Rafael Medical Center 99 Montecillo Road Downtown San Rafael Medical Offices 3rd St rd St. San Ramon San Ramon Medical Offices 2300 Camino Ramon Santa Clara n Santa Clara Medical Center 700 Lawrence Expwy. Santa Clara Arques Medical Offices Santa Clara Medical Offices 1263 Arques Ave. 710 Lawrence Expwy. Santa Rosa n Santa Rosa Medical Center 401 Bicentennial Way Santa Rosa Richard Stein Medical Offices 3925 Old Redwood Hwy Old Redwood Hwy. Selma Selma Medical Offices 2651 Hihland Ave. n Kaiser Permanente medical centers (hospital and medical offices) Locations are in bold. Kaiser Permanente medical offices Affiliated plan hospitals Affiliated medical offices 15

18 Our locations City Facility Address South San Francisco n South San Francisco Medical Center 1200 El Camino Real Stinson Beach Stinson Beach Medical Center 3419 State Route 1 Stockton Stockton Medical Offices 7373 West Lane Dameron Hospital* 525 W. Acacia St. Tracy Tracy Medical Offices 2185 W. Grant Line Road Turlock Rodney Avilla, DO 2101 Geer Road Jamohan Bhinder, MD Maryam Esho, MD Nirbhai Hundal, MD Puliadi Kumar, MD Turlock Pediatric Medical Group 1860 Colorado Ave N. Olive Ave Colorado Ave Delbon Ave Delbon Ave. Union City Union City Medical Offices 3551 Whipple Road 3553 Whipple Road 3555 Whipple Road Vacaville n Vacaville Medical Center 1 Quality Drive Vallejo n Vallejo Medical Center 975 Sereno Drive Walnut Creek n Walnut Creek Medical Center 1425 S. Main St. Park Shadelands Medical Offices 320 Lennon Lane n Kaiser Permanente medical centers (hospital and medical offices) Locations are in bold. Kaiser Permanente medical offices Affiliated plan hospitals Affiliated medical offices * Affiliated plan facilities provide selected inpatient and/or outpatient hospital and emerency services. The information in this uide is current as of the date of publication. If you have questions about the information in this uide, please contact our Member Service Contact Center at ( for the hearin/speech impaired), 24 hours a day, 7 days a week (closed holidays). 16

19 Footnotes 1 Online features available when you et care at Kaiser Permanente facilities. 2 Ratins based on Breast Cancer Screenin, Cervical Cancer Screenin, Colorectal Cancer Screenin, and Controllin Hih Blood Pressure 2012 ratins for commercial and Medicare plans from the Healthcare Effectiveness Data and Information Set (HEDIS) published by the National Committee for Quality Assurance. For more information, visit ncqa.or. 3 Kaiser Permanente proram averae is the weihted averae of each reional health plan s screenin rate and its eliible population. 4 These benefits are neither offered nor uaranteed under contract with the FEHB Proram, but are made available to all enrollees and family members who become members of Kaiser Permanente. 5 For chiropractic services, you don t need a referral to a participatin American Specialty Health (ASH) network chiropractor. To find a participatin chiropractor, call

20 Kaiser Foundation Health Plan, Inc Franklin St. Oakland, CA It s time to choose better Learn more about Kaiser Permanente at kp.or/feds. You ll find your Kaiser Permanente 2015 enrollment materials, includin the Federal Employees Health Benefits brochure (RI ). You can also connect to our facility and physician directories and learn more about our services. Notice of Summary of Benefits and Coverae (SBC): Availability of Summary Health Information The Federal Employees Health Benefits (FEHB) Proram offers numerous health benefits plans and coverae options. Choosin a health plan and coverae option is an important decision. To help you make an informed choice, each FEHB plan makes available a Summary of Benefits and Coverae (SBC) about each of its health coverae options, online and in paper. The SBC summarizes important information in a standard format to help you compare plans and options. This plan s SBC is available on the Internet at kp.or/feds. A paper copy is also available, free of chare, by callin (a toll-free number). To find out more information about plans available under the FEHB Proram, includin SBCs for other FEHB plans, please visit opm.ov. kp.or/feds Please recycle. This material was produced from eco-responsible resources. Member and Marketin Communications October 2014