Kaiser Permanente has introduced a new health plan called KP Plus, which the company says combines cost savings with expanded provider access. The plan is designed to offer the affordability associated with HMO plans while providing some of the flexibility found in PPO options.
KP Plus allows members to receive care from Kaiser Permanente doctors and facilities, but also permits limited use of out-of-network providers. Members can have up to ten office visits or other outpatient services and five prescription fills or refills each year outside the Kaiser network without needing a referral or prior authorization.
According to Kaiser Permanente, “monthly rates for KP Plus are generally lower than those of a typical PPO plan.” The company described KP Plus as “first of its kind,” aiming to meet demand for both affordability and choice in healthcare providers.
The plan includes preventive care such as physicals, well-child visits, and screening tests without a copay. Most covered services within the Kaiser network come with fixed out-of-pocket costs. Members also have access to 24/7 virtual care, prescription refills at Kaiser pharmacies, and digital health tools through the organization’s website and mobile app available on major platforms.
Additionally, KP Plus members are eligible for no-cost health and wellness programs that include lifestyle coaching, virtual care options, and discounts on fitness products and services.
