Understanding Your Plan and Benefits

In-Network Providers

You have several in-network provider options.

Provider Directory Options by Location:

In Colorado: Find Kaiser Permanente Providers and statewide network of contracted providers.

In Other Kaiser Permanente States:  The 3T POS, PPO, and OOA’s First Health Network provides access to care in the Kaiser Permanente states of CA, GA, HI, MD, OR, VA, WA, and DC.

Non-Kaiser Permanente States: The Cigna Healthcare^SM PPO Network* only provides access to care in non-Kaiser Permanente states.

*Disclaimer: The Cigna Healthcare PPO Network refers to the health care providers (doctors, hospitals, specialists) contracted as part of the Cigna Healthcare PPO for Shared Administration. Cigna Healthcare is an independent company and not affiliated with Kaiser Foundation Health Plan, Inc., and its subsidiary health plans. Access to the Cigna Healthcare PPO Network is available through Cigna Healthcare’s contractual relationship with the Kaiser Permanente health plans. The Cigna Healthcare PPO Network is provided exclusively by or through operating subsidiaries of The Cigna Group, including Cigna Health and Life Insurance Company. The Cigna Healthcare name, logo, and other marks are owned by Cigna Healthcare Intellectual Property, Inc.

To find an In-Network Provider or confirm if your current provider is In-Network, you can search for Providers by location (Kaiser Permanente and non-Kaiser Permanente states) or call Customer Service at 1-855-364-3184 (TTY 711), Monday through Friday 8 a.m.-6 p.m., Mountain time.

Features and benefits of covered care from our In-Network providers.

Your choice of In-Network providers is determined by location of services. Please see “Providers by Location”, above, to ensure that your provider is In-Network. You may also call Customer Service at 1-855-364-3184 (TTY 711), Monday through Friday 8 a.m.–6 p.m., Mountain time.

When you choose an In-Network Provider, you don’t have to select a personal doctor. You can see Kaiser Permanente, First Health, or Cigna Healthcare PPO Network health providers without a referral.

• Out-of-pocket costs. You will probably have lower out-of-pocket costs than when using an Out-of-Network Provider (such as a deductible, coinsurance, and a copay), and you will not be responsible for the amount you are billed above the maximum allowable charge set out in your Certificate of Insurance (COI).
• Specialty care.  You don’t need a referral for specialty appointments with any In-Network provider. However, your In-Network Provider must obtain pre-certification for certain services and treatments* such as:
  • Inpatient hospital stay
  • Outpatient surgery
  • Home health, hospice, and skilled nursing facility services
  • Imaging services
  • Durable Medical Equipment
  • Please review your Certificate of Insurance (COI) for plan details.
• Behavioral health. You can receive care for mental illness, emotional disorders, and substance use disorder.
• Hospital care. You can receive inpatient hospitalization services from In-Network hospitals and facilities. Your In-Network Provider may make arrangements for your hospital admission. (Important! Not all physicians contracted in the In-Network Provider Tier have admitting privileges with In-Network hospitals). Please confirm the facility is contracted with the network or you may pay higher out-of-pocket costs.* To learn more, please visit the 3T POS, PPO, and OOA’s First Health Network.
• Maternity care.  You can choose an In-Network Provider for your obstetric care.*
• Lab tests, X-rays.  You can contact facilities directly. Check first to be sure the facilities are part of the Provider network. You can request that your In-Network Provider send labs, X-rays, and special procedures (MRIs, CT scans, PET scans, nuclear medicine) to a Kaiser Permanente facility, any time you choose.

Pharmacy services. Learn about in-network pharmacy benefits.

To find out more about what is covered In-Network:

• See your Choice PPO New Member Guidebook.
• Refer to your Certificate of Insurance (COI).
• Contact the human resources/benefits officer where you work if your employer provides your coverage.
• Call Customer Service at 1-855-364-3184 (TTY 711), Monday through Friday, 8 a.m.–6 p.m., Mountain time, or refer to your ID card.

2025-26 COVID-19 vaccine 

The COVID-19 vaccine is the best way to keep you and your family safe from the virus. Learn how to get the vaccine and why it’s both safe and effective. The 2025–26 COVID-19 vaccine is available at no cost for Kaiser Permanente members 6 months and older. Members can walk in to get the vaccine. Each year, our experts review the latest scientific evidence and consider clinical guidance from many sources including leading medical societies to develop our COVID-19 vaccine guidance. Vaccination remains one of the safest and most effective ways to help protect against severe illness. This includes children and families whose health would be at risk if they got COVID-19.

File a Complaint

Members have the right to file a complaint with either Administrator or the state of Colorado regarding the accuracy of the provider directory and/or their experience with a provider.
To file a complaint, members may do so by phone or by mailing their concerns to the address listed.

Contact Customer Service:
Phone 1-855-364-3184 (TTY 711), Monday through Friday, 8:00 a.m. to 6:00 p.m., Mountain time, or refer to the ID card.

Write to the Administrator:
Kaiser Permanente Insurance Company
P.O. BOX 370897
Denver, CO 80237-0987

To submit a complaint with the Division:
Colorado
Department of Regulatory Agencies (DORA)
Division of Insurance (DOI)
https://doi.colorado.gov/for-consumers/file-a-complaint
Phone 1-303-894-7490 / 800-930-3745 (outside the Denver Metro area)/ DORA_Insurance@state.co.us
Monday – Friday, 8:00 a.m. – 5:00 p.m.

*Inpatient and certain outpatient services are subject to pre-certification. You must call 1-855-364-3184 (TTY 711) for pre-certification.

This site provides an overview of your benefits and services. If there are any differences between this document and your Certificate of Insurance (COI), your Certificate of Insurance (COI) will prevail.

For its Provider Network outside Colorado but inside Kaiser Permanente States, Kaiser Permanente Insurance Company (KPIC) has contracted First Health, a brand name of First Health Group Corp. The list of In-Network First Health providers is subject to change without notice.

The Cigna Healthcare PPO Network refers to the health care providers (doctors, hospitals, specialists) contracted as part of the Cigna Healthcare PPO for Shared Administration.  Cigna Healthcare^SM is an independent company and not affiliated with Kaiser Foundation Health Plan, Inc., and its subsidiary health plans.  Access to the Cigna Healthcare PPO Network is available through Cigna Healthcare’s contractual relationship with the Kaiser Permanente Health Plans. The Cigna Healthcare PPO Network is provided exclusively by or through operating subsidiaries of The Cigna Group, including Cigna Health and Life Insurance Company. The Cigna Healthcare name, logo, and other marks are owned by Cigna Healthcare Intellectual Property, Inc.