A Kaiser Permanente – California plan

Kaiser is an HMO (Health Maintenance Organization) with a closed network of providers. 

Coverage for COVID-19 tests

Through Nov. 11, 2023, Kaiser HMO will continue to cover at-home over-the-counter antigen tests and waive the cost-share for PCR tests if ordered by a physician.  

How the plan works

  • You choose a primary care physician (PCP) from Kaiser’s network.
  • The PCP coordinates your care and refers you to specialists.
  • The plan covers the cost of services only when your primary care physician authorizes it.
  • Kaiser provides coverage for services outside of the network only in cases of emergency.
  • Behavioral health benefits are provided by Kaiser and Optum.

Best fit for you if:

  • You and the family members you cover live in California
  • You want low monthly premiums
  • You want low, predictable out-of-pocket costs
  • You like having one doctor manage your care
  • You are happy with the selection of providers within the Kaiser system

Monthly plan costs — 2023

2023 retiree plan costs chart »

Faculty and staff

Pay Band
(full-time salary rate)
Self Self +
Self +
$65,000 and under $28.87 $51.97 $63.24 $86.30
$65,001–$129,000 $67.05 $120.69 $150.40 $204.01
$129,001–$194,000 $106.23 $191.21 $228.51 $313.46
$194,001 and above $146.80 $264.24 $309.44 $426.84
Rates for union-represented employees are subject to ongoing collective bargaining as appropriate.

Typical out-of-pocket costs

  • Office visits/Urgent care: $20
  • Emergency room visits: $125
  • Hospital stay: $250
  • Prescription drugs: $5, generic; $25, brand name

About Kaiser Permanente Senior Advantage

Kaiser Permanente Senior Advantage is considered the “partner plan” of Kaiser HMO. That means that if you are a retiree enrolled in Kaiser HMO, you’ll be transferred into Kaiser Permanente Senior Advantage when you turn 65, once Medicare has approved your enrollment form.

If you will be Medicare-eligible in 2023 and would like to learn more about Kaiser Senior Advantage, register for a virtual information session.