Here’s an updated overview of Kaiser Permanente for Individuals and Families binder and premium payment timelines and grace periods, including any recent changes. Any relevant updates will be reflected in the Producer Reference Guide, which is available on the Producer Portal.
The Kaiser Permanente for Individuals and Families (KPIF) on-exchange binder payment due date has been revised
The binder payment is the first month’s premium for new members. For on-exchange coverage, the binder payment must be received either by the enrollment effective date or 30 calendar days from Kaiser Permanente receiving the application, whichever is later. If the binder payment isn’t received by the due date, the application will be canceled without beginning coverage.
Examples:
- Enrollment received on March 1 for an April 1 coverage date: Binder due date is April 1.
- Enrollment received on March 15 for an April 1 coverage date: Binder due date is April 15.
For subsequent premium payments for on-exchange KPIF members, payments are due by the end of the month before the next coverage month. If a member doesn’t pay by the due date, the following delinquency grace periods apply:
- One month for members who don’t receive financial help (Affordable Care Act advance premium tax credits or Washington Cascade Care Savings)
- Three months for members and clients who receive financial help
Note: Delinquency grace periods don’t apply to the first binder payment and are used when a member is late on monthly premium payments.
KPIF off-exchange binder payment and ongoing premium payment due dates and grace periods
Premium payments for off-exchange KPIF members are due before the first of each month.
Note: Off-exchange members currently have a 45-day grace period, which will transition to a one-month grace period this month when we move off-exchange enrollment to the new billing system this month. If you have questions, contact the KPIF sales and producer support team at ifsales@kp.org or 800‑474‑1079, Monday through Friday, 8 a.m. to 5 p.m. Pacific time.