Level Funded Program

Kaiser Permanente Level Funded (5-100 eligible employees)

Offered to businesses with 5 to 100 eligible employees in CO, GA, MD, VA, and OR. The Kaiser Permanente Level Funded program is a self-funded plan, offering flexibility and cost control with the added protection of stop loss.

• Built-in protection to minimize financial risk
• Cost-savings opportunities
• Set monthly payment
• Access to emergency and urgent care outside Kaiser Permanente states

Learn more about Level Funded at Kaiser Permanente

Request a Level Funded capability call or presentation by emailing
CO-KPLevelFundedQuote@kp.org.

We’ve partnered with Mitratech Mineral to provide built-in HR compliance support through their platform for all Kaiser Permanente Level Funded employers. With comprehensive HR compliance services, businesses can save time, reduce typical legal fees, and stay compliant across multiple areas of human resources. Learn more about our Mineral offering from our Employer Overview Flyer or the Employer FAQs. Contact your KP rep with any additional questions or email KPLF@trustmineral.com.

How to request a Level Funded quote?

• Contact your local Kaiser Permanente sales representative by emailing
CO-KPLevelFundedQuote@kp.org.
• Select your plans from the 2026 Level Funded Portfolio: KPLF 2026 Portfolio or KPLF 2027 Portfolio
• Provide recent one to two years of claims, census, renewal or current rates, plan designs, effective date, and anything else deemed relevant.

Level Funded sold – now what?

• Complete and return the following forms to your Sales Representative:
  • KP Level Funded Application and Banking Arrangement
  • KP Level Funded Stop Loss Application and Disclosure Statement
  • KPIC Business Associate Agreement (BAA)
  • Enrollment Spreadsheet
  • State of NY Public Goods Pool (NY Health Care Reform Act) forms – Forms 4264 & 4399 if new to participate; Form 4403 if moving from another LF carrier to Kaiser Permanente Level Funded program.
• Ask your Kaiser Permanente Sales and Account Management representative for your Level Funded Benefit Booklet.
• Your broker should provide you direction on what Plan documents a Plan Administrator (employer) needs to provide to their employees:
  • Enroll with Mineral: Employers will receive a welcome email with login credentials from Mineral and an outreach call from a Mineral Engagement Specialist approximately 30 days after activation is completed to schedule an onboarding session.
• If the policy is not issued by effective date, the Summary of Benefits and Coverage (SBC) must be provided within seven business days once the information is available.
• An individual must receive an SBC for the plan in which he or she is enrolled. SBCs for other available plans must be provided upon request.
• If any benefit changes are made between the time the SBC is provided and the coverage becomes effective, an updated SBC must be provided to employees.
• The SBC must be provided within 90 days after an individual enrolls due to a special enrollment event. When an employee requests an SBC, it must be provided within seven business days.
• If you cannot find your SBC, please contact your Kaiser Permanente Sales and Account Management representative.
• If coverage continues at renewal, the SBC must be provided at least 30 days before the beginning of the new plan year.