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Kaiser Permanente Everyday Care: $0 copays, better health

Introducing the Deductible HMO health plan designed to minimize barriers to care. With $0 copays for common health services, including specialty care, employees can easily access the care they need to stay well. This can result in a healthier, more engaged workforce and predictable costs.

Discover the benefits

Learn more about the advantages of the $0-copay design of Kaiser Permanente Everyday Care.

Learn more
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Employees smiling in a meeting
Employees smiling in a meeting

The ripple effect of comprehensive, easy-to-use health care

When employees have access to affordable, high-quality health care, they’re better equipped to manage their well-being — which can lead to a more engaged, and ultimately, more productive workforce.

Health care that’s accessible and affordable

With Everyday Care plans, members have access to a variety of essential health care services — no need to fulfill a copay or meet a deductible first. With a plan that‘s easy to interpret and a delivery system that‘s easy to navigate, your employees can prioritize their health without the hassle and engage more meaningfully with their care team.

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Good plan with a combination of zero-dollar access to benefits.  By introducing Kaiser Permanente Everyday Care, we were able to keep premiums pretty level and there’s a lot of good features.

Jessica Linart, Director of Insurance, Colorado Public Employees' Retirement Association

Simplify access, enhance engagement, and manage costs

Kaiser Permanente Everyday Care encourages employees to regularly address their health needs with minimal barriers.

  • Band aid icon

    $0 copay for
    everyday care

  • Info icon

    Easy-to-understand
    coverage

  • Dollar icon

    Predictable
    costs

Tell employees what they want to hear: $0 copays.*

Reducing out-of-pocket health care costs is a top health care priority for most Americans.1 Kaiser Permanente Everyday Care is designed to address this by providing more accessible and affordable health care for everyone, while also improving employee health literacy and benefits engagement.

33%

of employees want clearer explanations of their deductible, copay/coinsurance, and out-of-pocket maximums.2


For

77%

of employees, health benefits are a key factor in deciding to stay with their employer.3

Two employees stand and look at a laptop

Simplify health care for your employees. Our straightforward plan eliminates confusion, making it easier for your workforce to:

  • Engage with their health: Greater plan clarity means more preventive screenings and better management of chronic conditions.
  • Build lasting relationships: Our care-and-coverage model fosters meaningful connections with care teams, leading to better health outcomes.
  • Access care conveniently: With $0-copay mental health support and covered virtual care options, getting the care employees need has never been easier.
Two employees stand and look at a laptop

Kaiser Permanente Everyday Care sample plan design

Most essential and preventive services are covered with no cost, allowing your employees to prioritize their health without worrying about reaching their deductible. Our plan's transparent design makes it easy to understand coverage and plan for any out-of-pocket expenses.

 

Please note that this is a sample plan design.

No cost to member (not subject to deductible)

Service/Category Cost share to member
Primary care
 $0
Specialty care
 $0
Urgent care
 $0
Generic prescriptions 
$0
Labs $0
X-rays  $0
Service/Category
: 
Cost share to member
Primary care
$0
Specialty care
$0
Urgent care
$0
Generic prescriptions 
$0
Labs
$0
X-rays 
$0

Copay only, no coinsurance (not subject to deductible)*

Service/Category Cost share to member
Brand-name prescriptions
 $75
Nonpreferred prescriptions (not applicable in CA) 
 $125
Specialty drug prescriptions
 $250
Ambulance services 
 $500
Emergency room visits
 $500
MRIs/CT scans/PET scans
 $350
Service/Category
: 
Cost share to member
Brand-name prescriptions
$75
Nonpreferred prescriptions (not applicable in CA) 
$125
Specialty drug prescriptions
$250
Ambulance services 
$500
Emergency room visits
$500
MRIs/CT scans/PET scans
$350

Major medical events (subject to deductible)

Service/Category Cost share to member
Outpatient surgery
 $0 after deductible
Inpatient hospital visits
 $0 after deductible
Skilled nursing facility
 $0 after deductible
Service/Category
: 
Cost share to member
Outpatient surgery
$0 after deductible
Inpatient hospital visits
$0 after deductible
Skilled nursing facility
$0 after deductible

Aligned annual expenses

Service/Category Cost share to member
Annual deductible
 $4,000
Annual out-of-pocket maximum
 $4,000
Service/Category
: 
Cost share to member
Annual deductible
$4,000
Annual out-of-pocket maximum
$4,000

Ready to transform your employee benefits? Click below or call (866) 798-9843

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Footnotes:

  • *Copays may vary.

     

    1Drew Altman. "Why Affordability Is the Big Tent." KFF.org. February 20, 2024.

  • 2Employer involvement in benefits education continues to decrease, creating a void. Optavise. 2023.

  • 3The Value of Employer-Provided Coverage in 2023. AHIP.org. May 24, 2023.