Understanding Your Plan and Benefits
Our products empower you to make the best health care choice for you—wherever you are, and whenever you need care.
In the Choice Out-of-Area plan, you can receive care from any licensed provider, hospital, or laboratory in the nation.
Features and benefits of receiving covered care from any licensed provider in the nation.
- Provider choice, care anywhere. Your health plan benefits cover care you receive from any licensed provider in the nation.
- Behavioral health. You can receive care from any licensed behavioral health or chemical dependency professional for mental illness, emotional disorders, and drug or alcohol abuse.*
- Hospital care. You can receive inpatient hospitalization services from licensed or accredited hospitals and facilities.*
- Preventive care. With your plan, preventive care is generally covered at no cost or at a copay. That includes routine physicals, well-child visits, and certain screenings and tests (such as mammograms).
- Emergency care. You can visit any licensed emergency care facility.
- Urgent care. You can visit any licensed urgent care facility.
- Maternity care. You can choose any licensed provider for obstetric care.*
- Lab tests, X-rays. You can contact facilities directly.
- Pharmacy services. Learn about your pharmacy benefits.
To find out more about what is covered under the Choice Out-of-Area plan:
- See your Choice Out-of-Area New Member Guidebook (Coming Soon).
- Refer to your Certificate of Insurance (Coming Soon).
- 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. to 6 p.m. Mountain time.
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), Monday through Friday, 8 a.m. to 6 p.m., Mountain time, 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 COI will prevail.