Student Health Insurance Plans
The Kaiser Permanente student medical insurance program is offered at 17 colleges. Some universities offer specialized benefits and pricing on KP health plans for their attendees. To qualify, you have to be a full-time student, not eligible for Medicare, attending any of the schools listed below.
I attend one of the colleges below: Click here for plan and pricing information.
I do NOT attend one of the colleges below: Enter ZIP & Click "GO" on the form to the right.
- Alliant International University
- American College of Traditional Chinese Medicine
- California Northstate College of Pharmacy
- Claremont School of Theology
- Dominican University
- Graduate Theological Union
- Mills College
- The Wright Institute
- Whittier College
- Whittier Law School
- Health insurance applications are accepted by the school starting about one month before the beginning of a school term.
- Online classes do not count towards full time status.
- Masters Degree and Graduate students often qualify for these college health insurance plans.
- 4. If the school offers Kaiser Permanente student health insurance to dependents, you may include your spouse and children. For details, contact the school administrator.
How does the student health plan work?
The Kaiser Permanente student health plan provides medical insurance year-round, including during school breaks and holidays. Generally, the member may obtain medical services from their school’s health center or at a Kaiser Permanente facility. Only one type of healthcare plan is offered at each university. The coverage option will be one of the following:
- HMO copayment plan. Members may visit Kaiser Permanente. Medical services are on a copayment basis; a deductible would not apply.
- HMO deductible plan. Members may visit Kaiser Permanente. A deductible would apply to services.
- Point of Service “POS” option. Members have access to three tiers of service providers:
- Kaiser Permanente (a deductible would not apply to services)
- PPO Providers (a deductible applies)
- Out-of-network Providers (a deductible applies)
How much does the Kaiser student plan cost?
Kaiser Permanente student health plan rates are competitive. Generally, they may be lower than the rate for a comparable individual health plan, unless the individual qualifies for a subsidy through the Health Insurance Exchange. Then, a subsidized Covered California plan may be more economical.
Rates vary between colleges; however, student health insurance quotes will be the same for each person at the school, regardless of the individual’s age.
What if I don’t attend one of these colleges?
If you do not qualify for one of the student health plans above because your university is not listed or you are a part-time or a non-student, you have four potential options:
- Individual Coverage: Consider applying for one of Kaiser Permanente’s regular individual health plans. There are a variety of options for college students who need to watch their budget. Enter your ZIP code on the form to the right of this page and click "GO" to view rates.
- Group Coverage: Another option would be group insurance. If a parent is insured under their employer’s medical plan, their young adult may be eligible to enroll as a dependent. In the past, children were required to be full-time students to qualify as dependents on a group plan, but now, this is no longer a requirement. For Kaiser Permanente business policies, children up to age 26 can be added during the group’s open enrollment period or outside of open enrollment if there is a qualifying event, such as loss of coverage.
- Covered California Coverage: If your household income qualifies, you may be eligible for financial assistance that reduces your monthly premium, and in some cases, your cost for medical services may also be reduced. Enter your zip code and click “GO” to see if you qualify for a subsidy through Covered CA
- Medi-Cal Coverage: Depending on your household income, you may qualify for government health insurance program. The premium would be nil to minimal. A potential drawback may be finding providers that accept Medi-Cal.