Kaiser Permanente Medicare

At a glance

  • $0 premium plans available in some areas
  • Many plans offer prescription drug coverage and vision and dental benefits

Original Medicare – Medicare Part A hospital insurance and Medicare Part B medical insurance – is provided by the federal government. Medicare beneficiaries can alternatively consider enrolling in a Medicare Advantage plan (Medicare Part C) that provides the same benefits as Original Medicare combined into a single plan.

Medicare Advantage plans are sold by private insurance companies like Kaiser Permanente. Kaiser Medicare plans may also offer additional benefits not covered by Original Medicare, such as prescription drug coverage, hearing, vision and dental care coverage.

Where are Kaiser Medicare plans sold?

Kaiser Permanente provides Medicare Advantage plans in parts of the following areas:

  • California
  • Colorado
  • Georgia
  • Hawaii
  • Maryland
  • Oregon
  • Virginia
  • Washington
  • Washington D.C.

Plan availability can vary based on where you live, and not all types of Medicare plans are available in all locations.

How do Medicare Advantage plans work?

Medicare Advantage plans like the ones sold by Kaiser Permanente can be structured in different types of ways. Some of the types of Medicare Advantage plans include:

  • Medicare HMO (Health Maintenance Organization) plans, which typically require beneficiaries to seek health care within a network of preferred providers.

    Some Medicare HMO plans require beneficiaries to select a primary care physician (PCP). If you need specialized treatment, you may be required to get a referral from your PCP. HMO beneficiaries typically only receive covered care when staying inside the plan’s network of health care providers. If you seek medical care outside of the plan network, you will likely pay higher out-of-pocket costs.

  • A Medicare Cost plan can cover services traditionally offered by Medicare Advantage plans while also allowing beneficiaries to use their Original Medicare coverage to receive care outside of their Medicare Advantage plan network.

  • A Medicare Special Needs Plan is a type of Medicare Advantage plan that features benefits tailored to the health care needs of someone with a particular health condition or financial situation.

There are additional types of Medicare Advantage plans that may be sold by Medicare Advantage plan providers where you live.

Medicare plan eligibility and enrollment  

To enroll in a Medicare Advantage plan, you must be enrolled in both Part A and Part B of Medicare and must reside in the service area associated with your desired Medicare Advantage plan.

You can enroll in a Kaiser Medicare Advantage plan when you first become eligible for Medicare (known as your Initial Enrollment Period), or during the Medicare Open Enrollment Period, which lasts from October 15 to December 7 every year.

Depending on your personal situation, you may be eligible to enroll during a Special Enrollment Period.

To get started finding a Medicare Advantage plan available in your area that covers your health care needs, call to speak with a licensed insurance agent who can help you compare plans.

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