Most Kaiser Permanente plan changes for Individuals and Families can be made at any time during the year. Kaiser Open Enrollment in January is the recommended time if you want to make changes to your coverage, but it is not absolutely necessary to wait for Open Enrollment. Changes, such as upgrading or downgrading plan types and removing dental, can be done at any time during the year. To add dental, you will need to wait for Open Enrollment. Continue reading to find out about upgrading/downgrading plans and adding/removing dental.

Upgrading Plan Coverage

If you wish to switch to a richer plan, you will need to submit a regular application like you did when you first applied. This application will go through medical underwriting and be approved or denied. If you are denied the richer plan, you will continue to have coverage on your current plan. To upgrade your coverage, click Apply Online or Download a Paper Application. If you are not sure what constitutes an upgrade and a downgrade, refer to the directions in the Plan Change Form mentioned below. For live support with upgrading plan coverage, call 1-877-752-4737.

Downgrading Plan Coverage

Dropping down to a plan with lesser coverage (and usually lower premiums) does not require going through medical underwriting. Simply complete and submit the one page Plan Change Form.

Adding/Removing Dental 

You can remove your dental coverage at any time, but if you’d like to add dental, you will need to do so during Open Enrollment. To add or remove dental, call member services at 1-800-464-4000.