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Does Kaiser Cover Out Of Network Mental Health?

Does Kaiser Cover Out Of Network Mental Health

Kaiser Permanente is the largest not-for-profit managed care organization in America and was founded in 1945. It is made up of three organizations: Kaiser Foundation Health Plan, Kaiser Foundation Hospitals, and Permanente Medical Groups. It offers high-quality and affordable healthcare through individual and family medical insurance plans. Kaiser provides medical insurance to approximately 12.4 million members in America. As of 2021, Kaiser Permanente plans became available for purchase through the Marketplace in several states including California, Colorado, Georgia, Hawaii, Washington, Maryland, Virginia, Washington D.C., and Oregon. The specific mental health treatment coverage may vary between Kaiser Permanente plans, but all include some level of coverage for in-network providers (such as Friendly House) delivering outpatient, intensive outpatient, and inpatient mental health treatment services.

Mental Health Services

There is a plethora of different types of mental health treatment options available that cover the ever-expanding spectrum of nuanced mental health needs. Kaiser recognizes that everyone is unique, and each person will require personalized treatment to accommodate one’s nuanced mental health needs, which is why they cover an array of in network mental health professionals. As stated by Kaiser Permanente “Everyone’s mental health and wellness journey is different…mental health care is not one-size-fits-all.” In efforts to ensure each member gets what they need, Kaiser has simplified the process for obtaining mental health treatment and unlike other health insurance companies, Kaiser plans do not require a referral to access mental health services. 

Akin to most medical insurance company, Kaiser offers its own set of tiered medical coverage plans that consist of different in and out-of-network benefits, deductibles, monthly premiums, and related coverage. Typically plans that require less expensive monthly premiums often provide less expansive coverage. Although some plans do provide coverage or partial coverage for out of network mental health services, not all Kaiser plans provide out of network coverage. Therefore, prior to the rendering of any type of therapy services it is best to verify with the provider that they are in-network and accept your plan. On the back of your insurance card there is a member’s services phone number that you can call to ask detailed questions regarding coverage to understand how much, if any, your Kaiser Permanente health insurance plan is able to contribute to covering the cost associated with using out an of network providers, and to discuss any potential out-of-pocket expenses. 

For Information and Support 

Substance abuse and addiction can be incredibly dangerous and can result in severe short and long-term consequences. If you or someone you know is suffering from substance abuse or addiction, please get help as soon as possible. The earlier you seek support, the sooner you and your loved ones can return to leading happy, healthy, and fulfilling lives. There is no reason to go through this alone, and we are here to help. Please feel free to reach out to us for further information or with any questions regarding substance abuse or addiction. We are available anytime via telephone at: 213-389-9964, or you can always email us at:

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