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Cover employees inside and out with Kaiser Permanente Plus™

Out of network? You’re in luck. KP Plus combines access to doctors and medical centers at Kaiser Permanente with the flexibility to see out-of-network providers. It's a health plan that enhances employee well-being and choice, while simplifying administration.

Learn more about KP Plus

Discover how KP Plus can benefit your employees and your organization.

Learn more

Two employees sit at a desk and look at a computer screen

Employees sitting in a row and applauding

How do we offer high-quality care?

Through our unique care-and-coverage model, payers and providers work together to prioritize health outcomes for patients. This means less time and money on unnecessary tests or treatments and an emphasis on preventive and proactive care – translating to a healthier workforce and savings for your company in the long run. It’s no wonder Kaiser Permanente is among the highest-rated health plans in every state we serve.¹

The best of both worlds

With KP Plus, not only do employees benefit from our true value-based care, they also have the flexibility to keep their favorite out-of-network, doctors with up to 10 physician visits or outpatient medical services, and 5 prescription fills or refills annually, without the need for referrals or prior authorization.*

Care that meets employee needs

Learn more about the plan that balances choice with access to our unique care-and-coverage model.

World-class care plus ease and flexibility

Offer a health plan that makes your company a competitive and desirable place to be, with the added simplicity of working with one provider for all your employee health benefit needs.

Patient-centered
care

High-value
provider access

Simplified
administration

High-quality care. Out-of-network flexibility.

In today's health care landscape employers want solutions that balance affordability, provider flexibility, and quality care.

KP Plus uniquely addresses these needs through:

Ten covered out-of-network services and five prescription refills annually without referrals
Convenient, all-under-one-roof access to high-quality care
Generally lower monthly rates compared to typical PPO plans
A focus on accessible, often $0 copay preventive services that reduce chronic conditions and higher-cost treatments

Our members are:

33%

less likely to experience premature death due to heart disease²

20%

less likely to experience premature death due to cancer³

50%

more likely to avoid costly ER or urgent care visits by using our 24/7 virtual care for a video visit⁴

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More plan specifics:

No out-of-network** deductible
No out-of-pocket maximum for out-of-network services
Out-of-network costs do not accrue to in-network deductible or out-of-pocket maximum
Download this PDF to learn more about KP Plus.

KP Plus sample plan benefit and costs

The plan’s straightforward design, with clear cost shares and a transparent breakdown of costs, empowers your employees to make informed health care decisions. Preventive care — the key to staying healthy — is covered at no cost, whether they choose in-network or out-of-network providers.

Please note that this is a sample plan design.

Benefit	In-network care	Out-of-network care
Deductible (individual/family)	$2,000/$4,000	n/a
Out-of-pocket maximum (individual/family)	$4,000/$8,000	n/a
Preventive care	$0	$0
Virtual care	$0	$20
Primary care office visit	$20	$40
Specialty care office visit	$30	$50
Mental health office visit	$20	$40
Physical therapy	$30	$50
Lab	$15	$35
X-ray	$20	$40
Emergency care	20% coinsurance	20% coinsurance
Inpatient hospital services	20% coinsurance (after deductible is met)	Not covered
Prescription drugs (generic/brand-name/nonpreferred/specialty*	$5/$15/$35/20% up to $200	$25/$35/$55/30%

Benefit

In-network care

Deductible (individual/family)

$2,000/$4,000

Out-of-pocket maximum (individual/family)

$4,000/$8,000

Preventive care

Virtual care

Primary care office visit

$20

Specialty care office visit

$30

Mental health office visit

$20

Physical therapy

$30

Lab

$15

X-ray

$20

Emergency care

20% coinsurance

Inpatient hospital services

20% coinsurance (after deductible is met)

Prescription drugs (generic/brand-name/nonpreferred/specialty*

$5/$15/$35/20% up to $200