A quick look at your plans

Your health care plan with Kaiser Permanente is more than just health coverage — it’s a partnership in health. It connects you to a group of physicians, services, and tools that help you live your healthy best. Plus, you get most preventive care services at little to no cost.

HMO with Signature

Our HMO plan is easy on your budget with no deductible and low, predictable costs for care. With Signature, you get high-quality care from 1,800+ Permanente physicians and specialists within the region’s leading health system.* They practice at our innovative, state-of-the-art medical centers, where you can access many services under one roof, saving you time and hassle. You can also save yourself trips with $0 telehealth care from the comfort of home.**

You can get many types of specialty care without a referral, including obstetrics-gynecology (ob-gyn), pediatrics, and mental health services. You also have access to urgent care and emergency care nationwide, so you’re always covered.

High deductible health plan (HDHP)
(HSA-qualified HMO)

Our HSA-Qualified HMO plan is easy on your budget with low, predictable costs for care. And you can save even more with a health savings account (HSA), which allows you to set aside tax-advantaged money to use toward health care expenses like copays, prescriptions, over-the-counter health and wellness products, and more. This money is unaffected by income tax and accrues interest over time.

You’ll get high-quality care from 1,700+ Permanente physicians and specialists within the region’s leading health system.* They practice at our innovative, state-of-the-art medical centers, where you can access many services under one roof, saving you time and hassle. You can also save yourself trips with $0 telehealth care from the comfort of home.**

Georgetown University funds your HSA at 50% of the deductible level.

Active and early retirees under 65

A quick look at your in-network out-of-pocket costs

Active employees
HMO Signature
(non-union)
HMO Signature
(union)
 HDHP HSA-Qualified
HMO Signature1
Deductible $0 $0 $1,600 Individual, $3,200 Family
Primary care visit $20 $20 10% coinsurance
Specialist visit $30 $30 10% coinsurance
Preventive care $0 $0 $0
Most lab tests and X-rays $0 $0 10% coinsurance
Most generic (in-network/community pharmacy)2 $15/$25 $15 / $20 $15 / $25
Most preferred brand (in-network/community pharmacy)2 $35/$55 $25 / $45 $35 / $45
Non-preferred brand (in-network/community pharmacy)2 $60/$80 $40 / $60 $60 / $80
Emergency care3 $100 $100 10% coinsurance
Urgent care4 $30 $30 10% coinsurance
Routine prenatal care, first postpartum visit $0 $0 $0
Inpatient delivery (per admission) $300 $100 10% coinsurance
Outpatient surgery (per visit)5 $75 $50 10% coinsurance
Inpatient hospital care (per admission)5 $300 $100 10% coinsurance

This is a summary of the features of the Kaiser Permanente health plan. For more information, read your Summary of Benefits and Coverage (SBC). All benefits are subject to the definitions, limitations, and exclusions set forth in the Evidence of Coverage (EOC).

1 HDHP is 10% of allowable charges. Medical and pharmacy copays and coinsurance (except for preventive care) apply after deductible for the HDHP.

2 Up to a 30-day supply; Up to a 90-day supply for 3 copays at plan and participating pharmacies; Up to a 90-day supply for 2 copays through Mail Order Pharmacy. Certain medications are eligible for Mail Order Pharmacy. Mail Order Pharmacy can deliver to addresses in MD, VA, DC, and certain locations outside the service area. Plan providers determine the drug that is medically necessary. If you request another drug, you pay prices charged to members for non-covered drugs. For more information about prescription drugs and other common medical events, including exclusions and limitations, read your Summary of Benefits and Coverage (SBC). 

3 Per visit or trip as an outpatient at a hospital.

4 Per visit or trip as an outpatient at a hospital, when you receive care at a Kaiser Permanente facility. Out-of-network urgent care available when out of service area.

5 There is no charge after the office visit, outpatient, or inpatient hospital copayment is made.

Active and retirees under 65 plan details

We recommend you view on your laptop or desktop computer.

Effective 1/1/24 – 12/31/24

HMO Signature plan (non-union) downloads

HMO Signature plan (union) downloads

HDHP (HSA-qualified HMO) (all employees) downloads

Other important documents

Medicare Advantage

Get care designed to make your life easier — choose a Kaiser Permanente Medicare Advantage plan.

With Kaiser Permanente, your doctor, specialists, and health plan all work together to make it easier for you to get care. And when you move your coverage to a Kaiser Permanente Medicare Advantage plan, you’ll get comprehensive care — at a great value.

You can count on:

  • Predictable costs and a fixed annual limit on your out-of-pocket costs
  • High-quality care from a doctor and care team who get to know you
  • The freedom to change to another available Kaiser Permanente doctor anytime
  • Convenient care options to make it easier to stay healthy

Medicare-eligible retirees

A quick look at out-of-pocket costs

Medicare-eligible retirees Out-of-pocket costs
Primary care visit copay $5
Specialist visit $5
Preventive care/screening/immunization No charge
Most lab tests and X-rays No charge
Generic (in-network/community pharmacy)1 $5 / $10
Preferred brand (in-network/community pharmacy)1 $5 / $10
Non-preferred brand (in-network/community pharmacy)1 $5 / $10
Emergency care, per visit (waived if admitted)2
 $50
Urgent care3 per visit $5
Inpatient hospital care (per admission)4
 No charge
Outpatient surgery (per visit)4
 No charge
Primary care visit copay $5

For more information, read your Summary of Benefits (SB). All benefits are subject to the definitions, limitations, and exclusions set forth in the Evidence of Coverage (EOC).

Kaiser Permanente is an HMO plan with a Medicare contract. Enrollment in Kaiser Permanente depends on contract renewal. You must reside in the Kaiser Permanente Medicare health plan service area in which you enroll.

1 For certain drugs, you can get prescription refills mailed to you through our Kaiser Permanente Mail Order Pharmacy. You should receive them within 3–5 days. If not, please call 800-700-1479 (TTY 711), 24 hours a day, 7 days a week. Some medications are not eligible for Mail Order Pharmacy. Mail Order Pharmacy can deliver to addresses in MD, VA, DC, and certain locations outside the service area.

2 Per visit or trip as an outpatient at a hospital.

3 Per visit or trip as an outpatient at a hospital, when you receive care at a Kaiser Permanente facility. Out-of-network urgent care available when out of service area.

4 There is no charge after the office visit, outpatient, or inpatient hospital copayment is made.

Medicare-eligible retirees plan details

Medicare eligible retiree plan details: We recommend you view on your laptop or desktop computer. Kaiser Permanente is an HMO plan with a Medicare contract. Enrollment in Kaiser Permanente depends on contract renewal. You must reside in the Kaiser Permanente Medicare health plan service area in which you enroll.

Effective 1/1/24 – 12/31/24

Effective 1/1/23 – 12/31/23

Other important documents

* In the survey Best Health Insurance Companies of 2023 by Insure.com, Kaiser Permanente as a national enterprise is rated #1 overall among 60+ insurance carriers. In the NCQA Commercial Health Plan Ratings 2022, our commercial plan is rated 5 out of 5, the highest rating in the nation. The 2022 Commission on Cancer, a program of the American College of Surgeons, granted Three-Year Accreditation with Commendation to the Kaiser Permanente cancer care program. The Mid-Atlantic Permanente Medical Group is the largest multispecialty medical group in the Washington, DC, and Baltimore areas and exclusively treats Kaiser Permanente members. Permanente doctors are recognized as Top Doctors in Northern Virginia Magazine (2023), Washingtonian magazine (2022), and Baltimore magazine (2022). According to NCQA’s Quality Compass® 2022, we’re rated 5 out of 5 in 29 measures, including: controlling blood pressure (heart disease), blood pressure control (140/90) (diabetes), glucose control, colorectal cancer screening, breast cancer screening, cervical cancer screening, childhood immunizations, prenatal check-ups, and postpartum care. Quality Compass is a registered trademark of the NCQA.

** When appropriate and available. If you travel out of state, phone appointments and video visits may not be available in select states due to licensing laws. Laws differ by state.

Easy to Join

Find out how convenient it is to switch.

Connect with a Kaiser Permanente advisor to learn more: 800-324-9208 (TTY 711), Monday through Friday, 8 a.m. to 11 p.m.

See how we can help