2023 C.A.R. Kaiser Plan Renewal

Renewal Date January 1, 2023

This page outlines changes for 2023 and provides links to important documents and websites.

Important Dates:  

• C.A.R. Health Plan Open Enrollment:  November 1, 2022 through December 15, 2022
• New benefits and rates take effect:  January 1, 2023
• Changes and enrollments take effect:  January 1, 2023

Where to Find Current Plan and 2023 Rate Information:

• Existing Plan Members:  Confirm your current coverage and check 2023 rates at RealCareOnline.com. (Live 11/1/22)
  • Log in with your last name, date of birth, last 6 digits of your SSN.  Click “Shop 2023 Plans” to view your new rates.
• ONLINE Enrollment/Changes:  C.A.R. Member Benefits Portal (Live on 11/2/22)
  • Register and/or log in to confirm current coverage, review new rates and benefits, enroll and make changes)

What is Changing?

Below is a summary of significant changes for 2023.  Additional contractual changes may occur.  For detailed information on contract changes, contact RealCare.

• Kaiser Silver Plans have changes to deductibles, copays and coinsurance percentages
  • Kaiser Silver HMO 1650-55 TO Silver HMO 1900-65 Plan Comparison
  • Kaiser Silver HMO 2100-55 TO Silver HMO 2300-65 Plan Comparison
  • Kaiser Silver HMO 2250-55 TO Silver HMO 2500-55 Plan Comparison
  • Kaiser Silver HMO 2600-55 TO Silver HMO 2800-65 Plan Comparison
  • Kaiser Silver HDHP HMO 2500-20 TO Silver HDHP HMO 2700-25 Plan Comparison
• Two Kaiser Bronze Plans have changes to the out of pocket maximum and other benefits.  (No  changes to Bronze HDHP HMO 7000)
  • Kaiser Bronze HMO 5400-60 TO Bronze 5400-60 Plan Comparison
  • Kaiser Bronze HMO 6300-65 TO Bronze 6300-65 Plan Comparison
• Some Kaiser Gold Plans have changes to the out of pocket maximum and/or copays. (No changes to Gold 1000/40, Gold 0/30 or  Gold 250/35 plans)
  • Kaiser Gold HRA HMO 2250-35 TO Gold HRA HMO 2250-35 Plan Comparison
  • Kaiser Gold HDHP HMO 1600-15 TO Gold HDHP HMO 1600 Plan Comparison
• One Kaiser Platinum Plan has a change to some copays.  (No changes to Platinum 0/10)
  • Kaiser Platinum 0-20 TO Platinum 0-20 Plan Comparison

New 2023 Kaiser Benefit Summaries

• High Deductible Health Plan (HDHP) Benefit Summaries – (Visit C.A.R.’s HSA partner – Bend HSA)
  • Kaiser Bronze HDHP HMO 7000-0% Benefit Summary
  • Kaiser Silver HDHP 2700-25% Benefit Summary 
  • Kaiser Gold HDHP HMO 1600-15% Benefit Summary
• Bronze & Silver Plan Benefit Summaries 
  • Kaiser Bronze HMO 6300-65 Benefit Summary
  • Kaiser Bronze HMO 5400-60 Benefit Summary
  • Kaiser Silver HMO 2800-65 Benefit Summary
  • Kaiser Silver HMO 1900-65 Benefit Summary
  • Kaiser Silver HMO 2300-65 Benefit Summary
  • Kaiser Silver HMO 2500-55 Benefit Summary
• Gold & Platinum Plan Benefit Summaries
  • Kaiser Gold HRA HMO 2250-35 Benefit Summary
  • Kaiser Gold HMO 1000-40 Benefit Summary
  • Kaiser Gold HMO 250-35 Benefit Summary
  • Kaiser Gold HMO 0-30 Benefit Summary
  • Kaiser Platinum HMO 0-20 Benefit Summary
  • Kaiser Platinum HMO 0-10 Benefit Summary

Making Changes

You can change plans or add/delete dependents by using the Kaiser Change Form.  All changes must be submitted by December 15th.  Changes will be effective 1/1/23.

If you wish to drop your Kaiser coverage, submit the C.A.R. Health Plans Termination Form.

Need Information on Kaiser 2022 Plans?  Click: Link to 2022 Kaiser Plan Information