Kaiser Permanentne Medicare Plans

At a glance

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

Kaiser Permanente sells three types of Medicare Advantage plans, serving eight states and Washington D.C. Here are some details about the types of Medicare plans available from private insurance companies like Kaiser Permanente.

Types of Kaiser Medicare Plans

Medicare Advantage plans (Medicare Part C) provide the hospital and medical insurance benefits of Medicare Part A and Part B combined into a single plan.

Private insurance companies like Kaiser Permanente may provide a number of different types of Medicare Advantage plans, which can include the following:

Health Maintenance Organization (HMO)

A Medicare Health Maintenance Organization (HMO) plan typically requires you to designate a primary care physician (PCP) to coordinate your health care.

Your PCP is generally the first provider you see for a non-emergency injury or illness, as well as for preventive care. If you require more extensive or specialized treatment, you may be required to obtain a referral from your primary care physician to see a specialist.

Members of an HMO Medicare Advantage plan are typically required to visit doctors, hospitals and specialists who are part of the plan’s network of contracted providers. If you seek medical care outside of the plan network, you may not receive any coverage, and you generally pay higher out-of-pocket costs than if you receive care within the network.

Kaiser provides Medicare HMO plans in parts of California, Colorado, Georgia, Hawaii, Maryland, Oregon, Washington and Washington D.C.

Special Needs Plans (SNP)

A Medicare Special Needs Plan (SNP) is a type of Medicare Advantage plan with benefits that are customized to fit the health care needs of someone with a particular condition or financial situation.

A Medicare SNP may offer coverage for certain services or items that are especially needed by a beneficiary with a specific health complication.

There are also Special Needs Plans designed for people in certain circumstances such as living in long-term care facilities or people who are eligible for both Medicare and Medicaid.

Kaiser Permanente provides Medicare SNPs in parts of California, Colorado, Georgia and Hawaii.

Medicare Cost Plans

A Medicare Cost Plan is a Medicare Advantage plan that provides beneficiaries with a network of preferred health care providers while allowing them to keep their Original Medicare coverage as well. If a plan beneficiary wants to seek health care services outside of their plan network, they can do so using their Original Medicare benefits to help cover the costs.

Kaiser Permanente provides Medicare Cost Plans in parts of Virginia and Maryland.

How to enroll in a Medicare plan

To enroll in a Kaiser Medicare plan or a Medicare Advantage plan from any other insurance company, you must first be enrolled in Medicare Part A and Part B, and you must live in your selected plan’s service area.

Medicare Initial Enrollment Period

You can enroll in a Medicare plan during your Medicare Initial Enrollment Period, which starts three months before your 65th birthday, includes your birth month and lasts for another three months after that.

2020 Medicare AEP graphic

If you miss your Initial Enrollment Period, you can also enroll in a Kaiser Medicare plan or a Medicare plan from another provider during the fall Medicare Open Enrollment Period, also called the Annual Election Period, or AEP. This period lasts from October 15 to December 7 every year.

You may potentially be able to enroll during a Special Enrollment Period if you meet certain eligibility requirements.

There are additional types of Medicare Advantage plans you can consider. To get help comparing your Medicare plan options, call to speak with a licensed insurance agent today.

Find Medicare Advantage plans in your area

Compare Plans

Or call TTY Users: 711 to speak with a licensed insurance agent. We accept calls 24/7!

Every 5 minutes on average, we help someone enroll in a Medicare Advantage plan.1

Ready to find your plan?

Or call a licensed insurance agent


TTY 711, 24/7

Or call a licensed insurance agent