Learn about Kaiser Permanente of Washington Options plans.
On this page: Full benefits | Summary of benefits | Prescription drugs | 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.
2027
2026
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.
2027
2026
Prescription drugs
See the list of covered drugs for:
Costs
2027
2026
Find providers
These plans use the Summit PPO network.
Plan options 2027
- Kaiser Permanente WA Options Summit PPO 1 (2027)
-
Summit PPO plans have three tiers of coverage (preferred in-network, in-network, and out-of-network) for different networks of providers.
This plan combines the flexibility of a nationwide provider network with the value of coordinated local care. You'll have access to in-network and out-of-network health care professionals across the United States but pay lower copayments for office visits and most prescription drugs when you receive care through Kaiser Permanente Washington providers, pharmacies, and our preferred in-network specialists and hospital 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
- Coverage for any licensed provider
- No referral is needed for most specialty care, and if a specialist or procedure requires preauthorization, your physicians work together
- Acupuncture, chiropractic, massage therapy, doula, and naturopath benefits
- 24/7 line for real-time advice
- 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 (2027)
-
Summit PPO plans have three tiers of coverage (preferred in-network, in-network, and out-of-network) for different networks of providers.
This plan combines the flexibility of a nationwide provider network with the value of coordinated local care. You'll have access to in-network and out-of-network health care professionals across the United States but pay lower copayments for office visits and most prescription drugs when you receive care through Kaiser Permanente Washington providers, pharmacies, and our preferred in-network specialists and hospital 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
- Coverage for any licensed provider
- No referral is needed for most specialty care, and if a specialist or procedure requires preauthorization, your physicians work together
- Acupuncture, chiropractic, massage therapy, doula, and naturopath benefits
- 24/7 line for real-time advice
- 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 (2027)
-
Summit PPO plans have three tiers of coverage (preferred in-network, in-network, and out-of-network) for different networks of providers.
This plan combines the flexibility of a nationwide provider network with the value of coordinated local care. You'll have access to in-network and out-of-network health care professionals across the United States but pay lower copayments for office visits and most prescription drugs when you receive care through Kaiser Permanente Washington providers, pharmacies, and our preferred in-network specialists and hospital 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
- Coverage for any licensed provider
- No referral is needed for most specialty care, and if a specialist or procedure requires preauthorization, your physicians work together
- Acupuncture, chiropractic, massage therapy, doula, and naturopath benefits
- 24/7 line for real-time advice
- 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 2026
- Kaiser Permanente WA Options Summit PPO 1 (2026)
-
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 (2026)
-
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 (2026)
-
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.
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: Kaiser Permanente Washington providers and pharmacies, and preferred contracted specialists and hospitals
- Tier 2 In-network: An extensive network of contracted community providers
- 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. We offer flexible care options designed to fit your life. Choose when, where, and how you receive care for yourself and your family, with access to virtual care services including online chat, a 24/7 nurse advice line, and video and phone visits available.
