Kaiser Permanente of Washington Options

Learn about Kaiser Permanente of Washington Options plans.

On this page: Full benefits | Summary of benefits | Costs | Find providers | Plan options | About Kaiser Permanente WA Options
Return to Medical plans and benefits: School employees | SEBB Continuation Coverage

Full benefits

The following documents—called an Evidence of Coverage (EOC)—provide in-depth descriptions of the benefits for each plan.

2026

• Summit PPO 1 EOC (2026)
• Summit PPO 2 EOC (2026)
• Summit PPO 3 EOC (2026)

2025

• Summit PPO 1 EOC (2025)
• Summit PPO 2 EOC (2025)
• Summit PPO 3 EOC (2025)

Summary of benefits

The following documents—called a Summary of Benefits and Coverage (SBC)—provide summaries of what each plan covers and what it costs.

2026

• Summit PPO 1 SBC (2026)
• Summit PPO 2 SBC (2026)
• Summit PPO 3 SBC (2026)

2025

• Summit PPO 1 SBC (2025)
• Summit PPO 2 SBC (2025)
• Summit PPO 3 SBC (2025)

Costs

2026

• School employee monthly premiums (2026)
• SEBB Continuation Coverage monthly premiums (2026)

2025

• School employee monthly premiums (2025)
• SEBB Continuation Coverage monthly premiums (2025)

Find providers

These plans use the Summit PPO network. 

Plan options 2026

Kaiser Permanente WA Options Summit PPO 1

Summit PPO plans have 3 tiers of coverage for different networks of providers.

When choice is most important, you have access to in-network health professionals anywhere in the United States. You’ll have lower copays for office visits and most prescriptions if you use Kaiser Permanente Washington providers and pharmacies, and our community of specialists and hospitals systems.

Annual costs

• Medical deductible: $1,250 per person / $2,500 per family for Preferred and In-network providers (Deductible does not apply to preventive care, telehealth or prescriptions.)
• Out-of-pocket limit: $4,500 per person / $9,000 per family for Preferred and In-network providers

Key features

• See any licensed provider
• No referral is needed for most specialty care, and if a specialist or procedure requires preauthorization, your physicians work together when using preferred providers
• Acupuncture, chiropractic and massage therapy each have 24 visits per year
• 24/7 advice line and Care Chat for real-time advice
• Unlimited naturopath visits
• $300 plan allowance per year for orthotics
• One hearing aid per ear, every 36 consecutive months
• Coverage for emergencies and urgent care while traveling
• Access to self-care apps for health, behavioral health, and wellness

Available counties

In most cases, you must live or work in the medical plan's service area to join the plan. All school employees are offered a selection of plans based on their county of residence or the county where their employment location is based. Some school employees may have more plan options if they work in a district that crosses county lines.

You can choose this plan if you live or work in these counties:

• King
• Kitsap
• Pierce
• Snohomish
• Spokane
• Thurston

If you move out of your plan's service area or change jobs to a different employment location, and your plan is no longer available, you must select a new plan. If you do not, the SEBB Program will enroll you in one. You must report your new address and any request to change your medical plan no later than 60 days after your move.

Kaiser Permanente WA Options Summit PPO 2

Summit PPO plans have 3 tiers of coverage for different networks of providers.

When choice is most important, you have access to in-network health professionals anywhere in the United States. You’ll have lower copays for office visits and most prescriptions if you use Kaiser Permanente Washington providers and pharmacies, and our community of specialists and hospitals systems.

Annual costs

• Medical deductible: $750 per person / $1,500 per family for Preferred and In-network providers (Deductible does not apply to preventive care, telehealth or prescriptions.)
• Out-of-pocket limit: $3,500 per person / $7,000 family for Preferred and In-network providers

Key features

• See any licensed provider
• No referral needed for most specialty care, and if a specialist or procedure requires preauthorization, your physicians work together using preferred providers
• 24/7 advice line and Care Chat for real-time advice
• Acupuncture, chiropractic and massage therapy each have 24 visits per year
• Unlimited naturopath visits
• One hearing aid per ear, every 36 consecutive months
• Coverage for emergencies and urgent care while traveling
• Access to self-care apps for health, behavioral health, and wellness

Available counties

In most cases, you must live or work in the medical plan's service area to join the plan. All school employees are offered a selection of plans based on their county of residence or the county where their employment location is based. Some school employees may have more plan options if they work in a district that crosses county lines.

You can choose this plan if you live or work in these counties:

• King
• Kitsap
• Pierce
• Snohomish
• Spokane
• Thurston

If you move out of your plan's service area or change jobs to a different employment location, and your plan is no longer available, you must select a new plan. If you do not, the SEBB Program will enroll you in one. You must report your new address and any request to change your medical plan no later than 60 days after your move.

Kaiser Permanente WA Options Summit PPO 3

Summit PPO plans have 3 tiers of coverage for different networks of providers.

When choice is most important, you have access to in-network health professionals anywhere in the United States. You’ll have lower copays for office visits and most prescriptions if you use Kaiser Permanente Washington providers and pharmacies, and our community of specialists and hospitals systems.

Annual costs

• Medical deductible: $250 per person / $500 per family for Preferred and In-network providers (Deductible does not apply to preventive care, telehealth, or prescriptions.)
• Out-of-pocket limit: $2,500 per person / $5,000 per family for Preferred and In-network providers

Key features of the plan

• See any licensed provider
• No referral for most specialty care, and if a specialist procedure requires preauthorization, your physician will work with preferred providers
• Acupuncture, chiropractic and massage therapy each have 24 visits per year
• Unlimited naturopath visits
• Coverage for emergencies and urgent care while traveling
• Access to self-care apps for health, behavioral health, and wellness

Available counties

In most cases, you must live or work in the medical plan's service area to join the plan. All school employees are offered a selection of plans based on their county of residence or the county where their employment location is based. Some school employees may have more plan options if they work in a district that crosses county lines.

You can choose this plan if you live or work in these counties:

• King
• Kitsap
• Pierce
• Snohomish
• Spokane
• Thurston

If you move out of your plan's service area or change jobs to a different employment location, and your plan is no longer available, you must select a new plan. If you do not, the SEBB Program will enroll you in one. You must report your new address and any request to change your medical plan no later than 60 days after your move.

Plan options 2025

Kaiser Permanente WA Options Summit PPO 1

Summit PPO plans have 3 tiers of coverage for different networks of providers.

You receive the best value when you choose care from Kaiser Permanente providers. When choice is most important, you have access to more than one million in-network health professionals anywhere in the United States. You’ll have lower copays for office visits and most prescriptions if you use Kaiser Permanente Washington providers and pharmacies, and our community of specialists and hospitals systems.

Annual costs

• Medical deductible: $1,250 per person / $2,500 per family for Tier 1 and Tier 2 providers; $3,750 per person / $7,500 per family for Tier 3 providers. (Deductible does not apply to preventive care, telehealth or prescriptions.)
• Out-of-pocket limit: $4,500 per person / $9,000 per family

Key features

• Acupuncture, chiropractic and massage therapy each have 24 visits per year
• Rehabilitation has 60 combined visits per year
• Unlimited naturopath visits
• $300 plan allowance per year for orthotics
• One hearing aid per ear, covered up to $3,000 every 36 consecutive months
• No referral for most specialty care, and if a specialist procedure requires preauthorization, your physician will work with Kaiser Permanente. (Specialty care cost shares may apply.)

Available counties

In most cases, you must live or work in the medical plan's service area to join the plan. All school employees are offered a selection of plans based on their county of residence or the county where their employment location is based. Some school employees may have more plan options if they work in a district that crosses county lines.

You can choose this plan if you live or work in these counties:

• King
• Kitsap
• Pierce
• Snohomish
• Spokane
• Thurston

If you move out of your plan's service area or change jobs to a different employment location, and your plan is no longer available, you must select a new plan. If you do not, the SEBB Program will enroll you in one. You must report your new address and any request to change your medical plan no later than 60 days after your move.

Kaiser Permanente WA Options Summit PPO 2

Summit PPO plans have 3 tiers of coverage for different networks of providers.

You receive the best value when you choose care from Kaiser Permanente providers. When choice is most important, you have access to more than one million in-network health professionals anywhere in the United States. You’ll have lower copays for office visits and most prescriptions if you use Kaiser Permanente Washington providers and pharmacies, and our community of specialists and hospitals systems.

Annual costs

• Medical deductible: $750 per person / $1,500 per family for Tier 1 and Tier 2 providers; $2,250 per person / $4,500 per family for Tier 3 providers. (Deductible does not apply to preventive care, telehealth or prescriptions.)
• Out-of-pocket limit: $3,500 per person / $7,000 family

Key features

• Acupuncture, chiropractic and massage therapy each have 24 visits per year
• Rehabilitation has 60 combined visits per year
• Unlimited naturopath visits
• $300 plan allowance per year for orthotics
• One hearing aid per ear, covered up to $3,000 every 36 consecutive months
• No referral for most specialty care, and if a specialist procedure requires preauthorization, your physician will work with Kaiser Permanente. (Specialty care cost shares may apply.)

Available counties

In most cases, you must live or work in the medical plan's service area to join the plan. All school employees are offered a selection of plans based on their county of residence or the county where their employment location is based. Some school employees may have more plan options if they work in a district that crosses county lines.

You can choose this plan if you live or work in these counties:

• King
• Kitsap
• Pierce
• Snohomish
• Spokane
• Thurston

If you move out of your plan's service area or change jobs to a different employment location, and your plan is no longer available, you must select a new plan. If you do not, the SEBB Program will enroll you in one. You must report your new address and any request to change your medical plan no later than 60 days after your move.

Kaiser Permanente WA Options Summit PPO 3

Summit PPO plans have 3 tiers of coverage for different networks of providers.

When choice is most important, you have access to more than 1 million in-network health professionals anywhere in the United States. You’ll have lower copays for office visits and most prescriptions if you use Kaiser Permanente Washington providers and pharmacies, and our community of specialists and hospitals systems.

Annual costs

• Medical deductible: $250 per person / $500 per family for Tier 1 and Tier 2 providers; $750 per person / $1,500 per family for Tier 3 providers. (Deductible does not apply to preventive care, telehealth, or prescriptions.)
• Out-of-pocket limit: $2,500 per person / $5,000 per family

Key features of the plan

• Acupuncture, chiropractic and massage therapy each have 24 visits per year
• Rehabilitation has 60 combined visits per year
• Unlimited naturopath visits
• $300 plan allowance per year for orthotics
• One hearing aid per ear, covered up to $3,000 every 36 consecutive months
• No referral for most specialty care, and if a specialist procedure requires preauthorization, your physician will work with Kaiser Permanente. (Specialty care cost shares may apply.)

Available counties

In most cases, you must live or work in the medical plan's service area to join the plan. All school employees are offered a selection of plans based on their county of residence or the county where their employment location is based. Some school employees may have more plan options if they work in a district that crosses county lines.

You can choose this plan if you live or work in these counties:

• King
• Kitsap
• Pierce
• Snohomish
• Spokane
• Thurston

If you move out of your plan's service area or change jobs to a different employment location, and your plan is no longer available, you must select a new plan. If you do not, the SEBB Program will enroll you in one. You must report your new address and any request to change your medical plan no later than 60 days after your move.

About Kaiser Permanente WA Options, Inc.

Summit PPO gives you the best value with a maximum choice of providers. These plans offer high-quality care that’s affordable, convenient, and hassle-free. 

Choose care from:

• Tier 1 Preferred in-network: The providers who practice at Kaiser Permanente Washington locations and pharmacies; preferred contracted specialists and hospitals; and
• Tier 2 In-network: An extensive network of contracted community providers; and
• Tier 3 Out-of-network: Care from any licensed provider.

You’ll have lower copays for office visits and most prescriptions if you use Kaiser Permanente Washington providers and pharmacies, and our community of specialists and hospitals systems.

Your care, your way. Choose how, when, and where to get care. See your doctor in-person or access virtual care options, including services such as online chat, an advice line, and video and phone visits available anytime or by appointment. You can also choose an e-visit or email your Kaiser Permanente care team.