What you need to know
Imagine the convenience of having all your health care providers under one roof. Now, if you're in California, Colorado, Georgia, or Hawai‘i, stop imagining—'cause this dream becomes a reality when you enroll in a Kaiser plan. Check out the highlights below, but keep in mind: The plans do not cover care from non-Kaiser providers except in the case of a life-threatening emergency.
Wanna get smart?
Set aside pretax dollars in a Health Savings Account (HSA). Get free money from Workday. Feel secure in knowing you and your family are covered. What more could you want from a medical plan? Learn how a plan with an HSA works.
Kaiser Smart Plan With HSA
- Your per-paycheck contributions are the lowest of the Kaiser plans.
- For in-network preventive care services, the plan pays 100% (no copay or deductible).
- For in-network doctor visits and services, the plan pays 80% after you meet the $2,000 individual / $3,400 individual in family / $4,000 entire family deductible.
- Out-of-network services: The plan does not cover non-Kaiser providers, except in emergencies.
- Prescription drugs are covered through the Kaiser Pharmacy benefit. After you meet the deductible, you’ll pay a set copay for your in-network prescriptions.
- This plan is available to Workmates in California, Colorado, Georgia, and Hawai‘i.
Bonus! There’s a reason they call this the Smart Plan. When you enroll in it, you’re eligible for a Health Savings Account (HSA), and that lets you set aside pretax dollars to pay for eligible medical expenses. Can you say “ka-ching”? Plus, Workday chips in, so you get free money annually, $1,000 for employee-only coverage or $2,000 if you're also covering dependents, over the course of each pay period (24 pay periods). Pretty smart, huh?
What you pay for care
Review the 2026 Medical Plan Comparison Chart to see what's covered by the plan and how much it costs.
Your first step to free money
If you enroll in the Kaiser Smart Plan, you need to elect the HSA during enrollment to receive the company contributions (even if you don't want to contribute to your account right now). Then, be sure to open your account with Fidelity.
Kaiser HMO Plan
- Your per-paycheck contributions are moderate.
- For in-network preventive care services, the plan pays 100% (no copay or deductible).
- For in-network, non-preventive care, you pay a copay for most services with no deductible. After your copay, the plan pays 100%.
- Out-of-network services: The plan does not cover non-Kaiser providers, except in emergencies.
- Prescription drugs are covered through the Kaiser Pharmacy benefit. You’ll pay a set copay for your in-network prescriptions.
- This plan is available to Workmates in California, Colorado, Georgia, and Hawai‘i.
What you pay for care
Review the 2026 Medical Plan Comparison Chart to see what's covered by the plan and how much it costs.
Your one-stop health-management tool
Once you’re enrolled in a Kaiser plan, be sure to register for My Health Manager. Here are just a few of the tasks you can handle—anytime, anywhere—through My Health Manager:
- Email your doctor
- View lab test results
- Order prescription refills
- Request routine appointments
- Access your temporary ID card while you wait for the printed ID card to arrive. ID cards can take up to two to three weeks to be printed and mailed.
FYI
Learn more about your plan by reviewing the Kaiser Benefit Summaries and other plan documents.