Maryland / Virginia / Washington D.C.

Mid-Atlantic small business plans and products

(full-time and full-time equivalent employees)

Companies with 1 to 50 employees ask for that perfect mix of high-quality care, advanced services, and cost effectiveness. Kaiser Permanente plans for small businesses include copayment plans, deductible plans, point-of-service plans, and dental plans to meet those needs.

HMO portfolio

Traditional HMO plans

HMO plans with fixed copayments offer your employees a balance of affordability and predictability. Members pay copays for most covered services; there are no medical deductibles, low out-of-pocket expenses, and virtually no claims to file.

It’s easy to predict out-of-pocket costs. Preventive care services, such as routine physicals, well-child visits, and certain screening tests, are provided at $0 copay.

Available delivery system: Signature or Select

Deductible HMO plans

Deductible HMO plans allow you to offer the same comprehensive benefit coverage as traditional HMO plans with copayments or coinsurance, but usually at a lower premium. By adding deductible requirements, you reduce premium prices below those of similar traditional HMO plans.

You can choose the plans that best meet the needs of you and your employees. These plans may also be paired with a Kaiser Permanente–administered health reimbursement arrangement (HRA) or flexible spending account (FSA).

Available delivery system: Signature or Select

Virtual plans

Our virtual plans offer affordable, high-quality, and customized care using convenient virtual options — video visits, e-visits, phone, and email — with in-person care available if needed.

Your employees can get care when and where it works best for them — at home, at the office, on the road — and still get in-person care at a medical center when needed for an additional cost share.

Our virtual plans offer:

Unlimited virtual care at no charge
In-person preventive care, such as routine physicals, screenings, and immunizations, at no charge
Small number of in-person primary care visits each year at no or low cost.

Available network: Signature

Virtual Forward plans:

Learn more about Virtual Forward

Virtual Complete plans:

Learn more about Virtual Complete

HSA-Qualified Deductible HMO plans

The HSA-Qualified Deductible HMO plans provide the same comprehensive benefit coverage of the traditional HMO plans, with options for managing out-of-pockets costs using varying copayments, coinsurance, and deductibles.

Because this type of plan meets U.S. Treasury guidelines, it can be paired with a health savings account (HSA). An HSA allows the use of pretax dollars to pay for qualified medical expenses. Once an HSA is opened, money can be put into it. Keep in mind that the IRS sets a limit on how much money can be put into an HSA each year. You can contribute money to your employees’ accounts.

Available delivery system: Signature or Select

Kaiser Permanente Plus portfolio

Kaiser Permanente Plus plans

Kaiser Permanente Plus plans are a great solution to help please all employees, while giving you the convenience of working with a single carrier. With these affordable plans, your employees can have access to the best of Kaiser Permanente through in-network benefits, plus access to out-of-network providers for certain covered outpatient services (visit limits apply).

Kaiser Permanente Plus plans provide limited nationwide coverage with any licensed provider, balanced by quality care innate to Kaiser Permanente’s integrated delivery system. Members receive quality care from Kaiser Permanente physicians and affiliated providers. In addition, they have coverage for up to 10 outpatient medical visits out-of-network, including physician office visits, lab and radiology, and 5 pharmacy refills a year from any provider outside of the Kaiser Permanente care delivery system, anywhere in the United States.

Available delivery systems: Signature and limited out-of-network visits

Deductible Kaiser Permanente Plus plans

Deductible Kaiser Permanente Plus plans also help please all of your employees while giving you the convenience of working with a single carrier. By adding deductible requirements, you reduce premium prices below those of similar Kaiser Permanente Plus plans. With even greater affordability, your employees can have access to the best of Kaiser Permanente through in-network benefits, plus access to out-of-network providers for certain covered outpatient services (visit limits apply).

Deductible Kaiser Permanente Plus plans provide limited nationwide coverage with any licensed provider, balanced by the quality care innate to Kaiser Permanente’s integrated delivery system. Members receive quality care from Kaiser Permanente physicians and affiliated providers. In addition, they have coverage for 10 outpatient medical visits out-of-network, including physician office visits, lab and radiology, and 5 pharmacy refills a year from any provider outside of the Kaiser Permanente care delivery system, anywhere in the United States.

Available delivery systems: Signature and limited out-of-network visits

Resources
Learn more about our Kaiser Permanente Plus portfolio.

Flexible Choice portfolio

Flexible Choice plans

The Flexible Choice suite of three-tier point-of-service plans is the best of all worlds. It gives employees full choice of providers whenever they receive care, and allows them to determine and manage their health care costs. Employers may offer it side-by-side with HMO, Deductible HMO, HMO Plus, Deductible HMO Plus, or HSA-Qualified Deductible plans to decrease a company’s overall health care costs, and still offer employees plan choice.

Flexible Choice combines Kaiser Permanente HMO with preferred provider organization (PPO) and non-preferred indemnity options. Multiple choices for managing out-of-pocket costs are available, with varying copayments, coinsurance, and deductibles from option to option.

Members are able to receive care from Kaiser Permanente providers (Option 1), physicians in the PHCS^TM/MultiPlan® networks* when getting care in Kaiser Permanente states (CA, CO, DC, GA, HI, MD, VA, OR, and WA) and Cigna Healthcare^SM PPO Network** outside of Kaiser Permanente states (Option 2), and any licensed physician or provider not included in Option 1 or 2 (Option 3).

Deductible Flexible Choice plans

The Deductible Flexible Choice suite of three-tier point-of-service plans adds increased affordability to advantages of Flexible Choice. With a deductible in each tier, premium prices can be reduced below those of similar Flexible Choice plans. Employees still have a full choice of providers whenever they receive care, and can determine and manage their health care costs. Employers may offer Deductible Flexible Choice alongside HMO, Deductible HMO, HMO Plus, Deductible HMO Plus, or HSA-Qualified Deductible plans to decrease a company’s overall health care costs even further.

Deductible Flexible Choice combines Kaiser Permanente HMO with preferred provider organization (PPO) and non-preferred indemnity options. Multiple choices for managing out-of-pocket costs are available, with varying copayments, coinsurance, and deductibles from option to option.

Members are able to receive care from Kaiser Permanente providers (Option 1), physicians in the PHCS/MultiPlan networks* when getting care in Kaiser Permanente states (CA, CO, DC, GA, HI, MD, VA, OR, and WA) and Cigna Healthcare PPO Network** outside of Kaiser Permanente states (Option 2), and any licensed physician or provider not included in Option 1 or 2 (Option 3).

HSA-Qualified Deductible Flexible Choice plans

The HSA-Qualified Flexible Choice three-tier point-of-service plan generally offers lower premiums than traditional and Deductible Flexible Choice plans, and can provide tax-saving benefits. Employees continue to enjoy a full choice of providers whenever they receive care, and determine and manage their health care costs. Pairing HSA-Qualified Flexible Choice with our competitively priced HSA-Qualified Deductible HMO plan creates the most cost-effective Flexible Choice solution. It can also be offered beside HMO, Deductible HMO, HMO Plus, and Deductible HMO Plus plans.

Because the HSA-Qualified Deductible Flexible Choice plan meets U.S. Treasury guidelines, it can be paired with a health savings account (HSA). An HSA allows the use of pretax dollars to pay for qualified medical expenses. Once an HSA is opened, money can be put into it. Keep in mind that the IRS sets a limit on how much money can be put in an HSA each year. Both the employer and the employee can contribute money to the employee’s HSA account.

Members are able to receive care from Kaiser Permanente providers (Option 1), physicians in the PHCS/MultiPlan networks** when getting care in Kaiser Permanente states (CA, CO, DC, GA, HI, MD, VA, OR, and WA) and Cigna Healthcare PPO Network** outside of Kaiser Permanente states (Option 2), and any licensed physician or provider not included in Option 1 or 2 (Option 3).

Resources
Learn more about our Flexible Choice portfolio.
Flexible Choice sales flyer
Deductible Flexible Choice sales flyer
HSA-Qualified Flexible Choice sales flyer

Added Choice portfolio

Added Choice plans

The Added Choice and Deductible Added Choice two-tier point-of-service plans are a great all-in-one solution. Each offers employees the flexibility to determine how and where to get covered care — and to manage health care costs — on each occasion. They combine an in-network provider option (Option 1) with an out-of-network provider option (Option 2) all in one plan. With a deductible in the first tier, Deductible Added Choice premium prices can be reduced below those of similar Added Choice plans.

Members are not limited to one provider option; Added Choice allows them to choose between two provider options at any time. When purchasing an Added Choice plan, you can choose from plans featuring various levels of copayments, coinsurance, deductibles, and out-of-pocket maximum limits.

Available networks: Signature or Select (Option 1), and out-of-network (any licensed provider) (Option 2).

Resources
Learn more about our Added Choice portfolio.
Added Choice Small Group sales flyer

Kaiser Permanente Level Funded

Level Funded is a self-funded solution that gives small and midsize businesses financial protection and more visibility into health care costs.* It also gives your employees access to our value-based integrated care model, which delivers healthier outcomes while making care more affordable.

Resources
More about Level Funded
Level Funded Flyer
Level Funded Plan Summary
Level Funded FAQ

Provider options

Signature
With the Kaiser Permanente Signature delivery system, members receive quality care from the 1,800+ award-winning physicians of the Mid-Atlantic Permanente Medical Group, P.C.,*** These care teams practice exclusively in our medical centers, which are conveniently located throughout Kaiser Permanente’s coverage area in Maryland, Virginia, and Washington, DC.

Select
Building on our Signature delivery system, Select adds access to contracted community physicians in private practice. Members may choose a physician in the Mid-Atlantic Permanente Medical Group, P.C., or one of many community physicians.

Click here to find a provider in the Signature or Select delivery system.

PHCS/MultiPlan* in Kaiser Permanente states

For employer groups requiring wider network options, Kaiser Permanente offers particular products that incorporate a broad PPO network of medical providers and acute care facilities in Kaiser Permanente states (CA, CO, DC, GA, HI, MD, VA, OR, and WA) contracted from PHCS/MultiPlan.

Within Kaiser Permanente’s three-tier Flexible Choice point-of-service plans, the PHCS/MultiPlan network comprises the second tier in Kaiser Permanente states (CA, CO, DC, GA, HI, MD, VA, OR, and WA) (with the first being a Signature or Select HMO option, and the third being any licensed provider in the United States).

To find a contracted provider, visit here.

Cigna Healthcare PPO Network**

Flexible Choice point-of-service and out-of-area PPO plan members have access to Cigna Healthcare PPO Network outside of Kaiser Permanente states — making it more convenient for them to find care when they need it.

The Cigna Healthcare PPO Network will replace members’ PHCS/MultiPlan access outside of Kaiser Permanente states (CA, CO, DC, GA, HI, MD, VA, OR, and WA). They’ll still be able to get care from their PHCS/MultiPlan providers within Kaiser Permanente states.

With the Cigna Healthcare PPO Network, members will now get:

More locations: With a broad network of providers, they’ll have many options for care.

Simple check-in: Members will receive an updated member ID card with the Cigna logo. They’ll just show it at their visit.

Less paperwork: Cigna providers will get any necessary precertifications for care, so members don’t have to.

Members can visit kp.org/choiceproducts/mas anytime to find a Cigna Healthcare PPO Network or PHCS Network provider near them.

Premier hospitals

Kaiser Permanente carefully selects Premier hospitals to team with in taking care of our members. Only the Premier hospitals can offer all of these advantages together:

Permanente physicians and hospitalists available 24/7, often in facilities dedicated to Kaiser Permanente members.
Coordination of care with a member’s primary care and specialist physicians
Kaiser Permanente digital health records that are always up to date and available to a member’s care team
Speedy video consults with specialists if required
Quality of care that is always carefully evaluated and monitored
Level of comfort and services that are physician reviewed and approved
Seamless transitions to care at home or a skilled nursing facility

Kaiser Permanente Premier hospitals include:

District of Columbia

Children's National Health System
MedStar Washington Hospital Center

Maryland

Baltimore Washington Medical Center, Glen Burnie
Capitol Region Medical Center, Largo
Greater Baltimore Medical Center, Baltimore
Holy Cross Germantown Hospital, Germantown
Holy Cross Hospital, Silver Spring
Luminis Health Anne Arundel Medical Center, Annapolis
St. Joseph Medical Center, Towson
Suburban Hospital, Bethesda

Virginia

Reston Hospital Center, Reston
Stafford Hospital Center, Stafford
Virginia Hospital Center, Arlington

Visit here to learn more about our premier hospitals.

_{*The PHCS™ and MultiPlan® networks include physicians and health care practitioners and facilities that are available to Kaiser Permanente Insurance Company members via a network access agreement. Not all PHCS and MultiPlan network providers are included}

_{**The Cigna Healthcare^SM PPO Network refers to the health care providers (doctors, hospitals, specialists) contracted as part of the Cigna Healthcare PPO for Shared Administration. Cigna Healthcare is an independent company and not affiliated with Kaiser Permanente Insurance Company or Kaiser Foundation Health Plan. Access to the Cigna Healthcare PPO Network is available through Cigna Healthcare’s contractual relationship with Kaiser Permanente Insurance Company and Kaiser Foundation Health Plan.}

_{***The physicians who practice at Kaiser Permanente are recognized as Top Doctors in Arlington Magazine (2024), Northern Virginia Magazine (2024), Baltimore magazine (2023), Bethesda magazine (2023), and Washingtonian magazine (2023).}

_{The Cigna Healthcare PPO Network is provided exclusively by or through operating subsidiaries of Cigna Corporation, including Cigna Health and Life Insurance Company. The Cigna name, logo, and other Cigna marks are owned by Cigna Intellectual Property, Inc.}