Kaiser Permanente - Northwest, Standard Option: 2027 FEHB premiums and benefits
| Enrollment | Employee, biweekly | Employee, monthly | Annuitant, monthly | Change in your share vs 2026 | Employee, per year (26 periods) |
|---|---|---|---|---|---|
| Self Only code 574 | $103.00 gov $308.99 | $223.16 | $223.16 | +$2.65 biweekly | $2,678 |
| Self Plus One code 576 | $236.61 gov $709.84 | $512.66 | $512.66 | +$6.07 biweekly | $6,152 |
| Self and Family code 575 | $236.61 gov $709.84 | $512.66 | $512.66 | +$6.07 biweekly | $6,152 |
Traditional, HMO network. Offered in Oregon (8 counties); Washington (2 counties). The county list is on the comparison page. The government share is the lesser of 72% of the program-wide average premium or 75% of this plan's premium (5 U.S.C. 8906).
Educational information only; StandWatch is not acting for OPM, and the brochure and your agency's benefits office are the final authority. Same code and assumptions as the comparison page: worst year is exact (premiums plus the in-network out-of-pocket maximum, minus an HSA deposit); the other three are estimates under stated usage profiles, each labeled copays only, has coinsurance, or not priced.
Deductibles and limits
| Self Only | Self Plus One | Self and Family | |
|---|---|---|---|
| Deductible | $150 out of network Not applicable | $300 out of network Not applicable | $300 out of network Not applicable |
| Out-of-pocket maximum | $6,000 out of network Not applicable | $12,000 out of network Not applicable | $12,000 out of network Not applicable |
What you pay for care, in and out of network
| Service | In network | Out of network |
|---|---|---|
| VISITS | ||
| Preventive care | Member Pays Nothing | Member Pays All Charges |
| Primary care visit | $25 Copayment Nothing for children through age 17 | Member Pays All Charges |
| Specialist visit | $35 Copayment | Member Pays All Charges |
| Urgent care | $40 Copayment | $40 Copayment |
| Emergency room | $200 Copayment per office visit after the deductible | $200 Copayment per office visit after the deductible |
| Labs and X-rays | $25 Copayment $30 x-rays per department visit | Member Pays All Charges |
| CT, MRI, PET | $150 Copayment per department visit | Member Pays All Charges |
| Hospital stay, per admission | $350 Copayment per admission after deductible. Nothing for maternity care. | Member Pays All Charges |
| Hospital room | Member Pays Nothing | Member Pays All Charges |
| Surgeon, inpatient | Member Pays Nothing | Member Pays All Charges |
| Outpatient surgery | $200 Copayment after deductible per procedure, after the deductible | Member Pays All Charges |
| Mental health, office | $25 Copayment per office visit for individual therapy; $12 per office visit for group therapy. | Member Pays All Charges |
| Mental health, inpatient | $350 Copayment per admission after deductible | Member Pays All Charges |
| Physical therapy | $35 Copayment Up to 20 habilitative and up to 20 rehabilitative therapy visits per calendar year for each Physical, Occupational, and Speech therapy. | Member Pays All Charges |
| Chiropractic | $25 Copayment per office visit for chiropractic, naturopathic, acupuncture and massage therapy. All charges over $1,000 for chiropractic, naturopathic, acupuncture and massage therapy combined per calendar year. | Member Pays All Charges |
| Acupuncture | $35 Copayment per visit up to 12 visits per calendar year. | Member Pays All Charges |
| Maternity care | Member Pays Nothing | Member Pays All Charges |
| Maternity hospital stay | Member Pays Nothing | Member Pays All Charges |
| Infertility diagnosis and treatment | 50% Coinsurance of our allowance after the deductible | Member Pays All Charges |
| IVF and assisted reproduction | Member Pays All Charges | Member Pays All Charges |
| Hearing aids | Covered 20% of our allowance. Limited to one hearing aid per ear every 36 months through age 25. | Not Covered |
| Durable medical equipment | 20% Coinsurance of our allowance after deductible | Member Pays All Charges |
| Home health | Member Pays Nothing Nothing after the deductible | Member Pays All Charges |
| Adult dental exams | Not Covered accidental coverage only up to $500 per injury | Not Covered |
| Children's dental exams | Not Covered accidental coverage only up to $500 per injury | Not Covered |
| Routine eye exam | Covered $25 per primary care office visit | Not Covered |
| Eyeglasses | Not Covered For members ages 19 and over, all charges in excess of $150 every two calendar years. All charges in excess of $60 for single vision or $90 for multifocal eyeglasses or contact lenses every 12 months when a significant change in correction occurs. | Not Covered |
| PRESCRIPTIONS | ||
| Tier 1 (usually generic) | $15 Copayment | 100% Coinsurance |
| Tier 2 | $50 Copayment | 100% Coinsurance |
| Tier 3 | $90 Copayment | 100% Coinsurance |
| Tier 4 | $200 Copayment | 100% Coinsurance |
| Mail order | Yes | Yes |
| Prescription out-of-pocket maximum, Self | None | Not listed |
| Prescription out-of-pocket maximum, family | None | Not listed |
| WITH MEDICARE | ||
| Part B premium reimbursement (Medicare Advantage option) | $3,000 | Not listed |
| Part B premium reimbursement (prescription drug plan) | None | Not listed |
OPM's summary of the plan's cost sharing. The small print under a figure is OPM's own wording and usually carries the real terms: per-day charges, caps, and whether the deductible applies. The brochure is the official statement of benefits.
Official pages
Kaiser Permanente - Northwest plan site · Summary of Benefits and Coverage · OPM plan comparison and brochure RI 73-004 · 800-813-2000
Before you enroll
Not the official statement of benefits. This plan's brochure is the only contractual statement of what it covers, excludes, and limits. Where this page and the brochure disagree, the brochure governs. Read it before you enroll.
Estimates, under published assumptions. Premiums, deductibles, and out-of-pocket maximums are OPM's figures. The year-cost figures are estimates under the usage profiles and assumed charges published on the comparison page, labeled exact, copays only, has coinsurance, or not priced. They are not predictions of what you will spend.
What the model leaves out. Out-of-network care and balance billing, whether your own doctors take this plan, whether your medications are on its formulary and at which tier, referral and prior-authorization rules, mail-order and specialty pharmacy pricing, FEDVIP dental and vision, and Medicare coordination at 65 beyond the rows shown. Postal Service employees and annuitants are in a separate program and are not covered.
No affiliation. StandWatch is not affiliated with, endorsed by, or acting for the Office of Personnel Management or any federal agency. The plan data is OPM's; the arrangement is ours. StandWatch is not a health plan, a broker, or an insurer, and nothing here is a recommendation to select, keep, or drop any plan, or medical, insurance, financial, tax, or legal advice. The full educational-purpose statement.
Source: OPM FEHB Public Use Files, plan year 2027 (rates, plan key, plan benefits, service area), and the OPM premium charts for the change from 2026.
