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Kaiser Permanente Sr Adv Enhanced Contra Costa (HMO)

Benefits Summary and Overview

This page is a benefits summary and overview of key plan information for Kaiser Permanente Sr Adv Enhanced Contra Costa (HMO). The information on this page is a summary only.

For a complete listing of all available benefits and cost information on Kaiser Permanente Sr Adv Enhanced Contra Costa (HMO) in 2025, please refer to our full plan details page.

Kaiser Permanente Sr Adv Enhanced Contra Costa (HMO) is a HMO plan offered by Kaiser Foundation Health Plan, Inc. available for enrollment in 2025 to people living in Contra Costa County Plan - Enhanced. This plan received an overall rating of 4.5 out of 5 stars in 2025.

It's important to know that Kaiser Permanente Sr Adv Enhanced Contra Costa (HMO) is a Medicare Advantage (MA) Plan with drug coverage. That means that this plan covers both medical services and prescription drugs.

Overview IconKey Plan Facts

Below are a few key facts and commonly-asked questions about Kaiser Permanente Sr Adv Enhanced Contra Costa (HMO).

Plan Costs:

The cost of a Medicare Advantage Plan is made up of four main parts.

  • First, the monthly premium — the amount you pay every month.
  • Second, the deductible — the amount you pay out of pocket for covered services before the plan starts paying.
  • Third, the copayments and coinsurance — the amounts you pay out of pocket for covered services, usually after meeting the deductible (if applicable). Copays are fixed dollar amounts; coinsurance is a percentage of the cost.
  • Fourth, the Out-of-Pocket Maximum — the maximum amount you could have to pay out of pocket in a year. This may be different for in-network and out-of-network services.

For Kaiser Permanente Sr Adv Enhanced Contra Costa (HMO), the main costs are as follows:

Monthly Premium

The Monthly Premium for this plan is $65.00. This is the amount you must pay every month.

This plan does not come with a Part B Premium reduction. You must continue to pay your Part B premium.

Deductibles

This plan does not have a health deductible. Your insurance coverage on covered health services will start immediately.

This plan has no drug deductible. Your prescription medication coverage will start immediately.

Out-of-Pocket Maximums

This plan has a Maximum Out-Of-Pocket cost of $2900.00 for out-of-network services. You will pay copays, coinsurance, and deductibles toward this amount. Once your total out-of-pocket costs reach $0.00 for in-network covered services, the plan will pay 100% of in-network covered costs for the rest of the year.

You can see below for the coinsurance and specific copayments for in the Additional Benefits section below, or refer to our Plan Details page for more details.

Common Services:

Doctor Visits:

Regular visits to your primary care doctor are covered and will have a copay of $0.00 and coinsurance of 0% (no coinsurance).

Specialist Visits:

Visits to specialists are covered and will have a copay of $5.00 and coinsurance of 0% (no coinsurance). Specialist visits may require a referral from your primary care doctor or prior authorization.

Emergency Room:

Trips to the Emergency Room are covered, and will have a copay of $140.00 and coinsurance of 0% (no coinsurance). Coverage may vary for in-network and out-of-network hospitals.

Urgent Care:

Trips to Urgent Care arecovered and will have a copay of $0.00 and coinsurance of 0% (no coinsurance). Coverage may vary for in-network and out-of-network hospitals.

Sign up for Kaiser Permanente Sr Adv Enhanced Contra Costa (HMO)

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Need help deciding? Talk with one of our licensed insurance specialists 1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week

Drug Coverage IconDrug Coverage

The Kaiser Permanente Sr Adv Enhanced Contra Costa (HMO) plan has a $0 deductible for prescription drugs. In the initial coverage phase, you'll pay varying copays or coinsurance depending on the drug tier and pharmacy type. For example, you'll pay a $5 copay for preferred generic drugs at a standard or mail-order pharmacy. Once your total drug costs reach $2,000, you enter the catastrophic coverage phase, where you pay nothing for covered drugs. However, you may still pay a share of the costs for excluded drugs covered under any enhanced benefit.

Additional Benefits IconAdditional Benefits

The Kaiser Permanente Sr Adv Enhanced Contra Costa (HMO) plan offers a wide range of benefits with varying costs. Inpatient hospital stays have a $100 copay for days 1-5, and no copay for the rest of the stay. Outpatient services have copays between $0 and $60, and emergency services have a $140 copay. This plan also covers primary care with no copay, specialist visits with a $5 copay, and mental health services with no copay. Preventive services, like annual physical exams, are covered with no copay, while hearing exams have a $5 copay. Vision services include eye exams with a $0-$5 copay, and dental services have no copay for most services.

Inpatient Hospital See details

Inpatient Hospital benefits, including Acute and Psychiatric services, are covered. For days 1-5, there is a $100 copay, and for days 6-90, there is no copay; additional days (91-999) have no copay.

Outpatient Services See details

Outpatient services include outpatient hospital services with a copay between $0 and $60, observation services with a copay between $0 and $140, ambulatory surgical center services with a $60 copay, outpatient substance abuse services with no copay, and outpatient blood services with no copay.

Partial Hospitalization See details

Partial Hospitalization is covered under the Kaiser Permanente Sr Adv Enhanced Contra Costa (HMO) plan. There is no copay for this benefit, and a doctor referral is required.

Ambulance and Transportation Services See details

Ambulance and Transportation Services are covered by the Kaiser Permanente Sr Adv Enhanced Contra Costa (HMO) plan. Both ground and air ambulance services have a $200 copay with no coinsurance, while transportation services to any health-related location are not covered.

Emergency Services See details

Emergency Services, Urgently Needed Services, and Worldwide Emergency Services are covered by the Kaiser Permanente Sr Adv Enhanced Contra Costa (HMO) plan. Emergency Services and Worldwide Emergency Coverage have a $140 copay, while Worldwide Emergency Transportation has a $200 copay, and Urgently Needed Services and Worldwide Urgent Coverage have no copay.

Primary Care See details

Primary Care Physician Services are covered with no copay. Chiropractic Services are covered with no copay, but routine care is not covered, and requires prior authorization and a doctor referral.

Occupational Therapy Services are covered with no coinsurance and no copay.

Physician Specialist Services are covered with a $5 copay. Mental Health Specialty Services, including individual and group sessions, are covered with no copay.

Other Health Care Professional services are covered with a copay between $0 and $5. Psychiatric Services, including individual and group sessions, are covered with no copay.

Physical Therapy and Speech-Language Pathology Services are covered with no copay and no coinsurance. Additional Telehealth benefits are covered with no copay.

Opioid Treatment Program Services are covered with no copay, and require prior authorization and a doctor referral.

Preventive Services See details

Preventive services include an annual physical exam with no copay, as well as additional preventive services and kidney disease education services, both requiring a doctor referral; additional services may have a copay. Other preventive services like glaucoma screenings, diabetes self-management training, barium enemas, digital rectal exams, and EKGs following a welcome visit are covered with no copay.

Hearing Services See details

Hearing Services include hearing exams and prescription hearing aids, but routine hearing exams and prescription hearing aids of all types are not covered. Hearing exams have a $5 copay, and the fitting/evaluation for hearing aids is offered as an optional, supplemental benefit.

Vision Services See details

Vision services include eye exams with a copay between $0 and $5. Routine eye exams have no copay. Eyewear benefits are partially covered, but contact lenses, eyeglasses (lenses and frames), eyeglass lenses, eyeglass frames, and upgrades are not covered.

Dental Services See details

Dental Services are covered, including Medicare Dental Services with a copay of $0-$5, and Other Dental Services with no copay. Orthodontic Services are covered, and some services such as Maxillofacial Prosthetics and Orthodontics are not covered.

Home Infusion bundled Services See details

Home Infusion bundled Services are covered, including Medicare Part B Insulin Drugs, Medicare Part B Chemotherapy/Radiation Drugs, and Other Medicare Part B Drugs. Medicare Part B Insulin Drugs have a copay between $5 and $35, while Medicare Part B Chemotherapy/Radiation Drugs have a copay between $0 and $47 with a coinsurance between 0% and 20%. Other Medicare Part B Drugs have a copay between $0 and $47 with a coinsurance between 0% and 20%.

Dialysis Services See details

Dialysis Services are covered by the Kaiser Permanente Sr Adv Enhanced Contra Costa (HMO) plan. You will pay 20% coinsurance for these services.

Medical Equipment See details

Medical Equipment benefits include Durable Medical Equipment (DME) with 0% to 20% coinsurance, Prosthetics/Medical Supplies with 0% to 20% coinsurance, and Diabetic Equipment. Diabetic Supplies have no copay, while Diabetic Therapeutic Shoes/Inserts have 20% coinsurance. Durable Medical Equipment for use outside the home is not covered.

Diagnostic and Radiological Services See details

Diagnostic and Radiological Services, including diagnostic procedures, tests, and lab services, are covered. Diagnostic Procedures/Tests have no copay, while Lab Services have no copay. Diagnostic Radiological Services have a copay of at most $150, and Therapeutic Radiological Services and Outpatient X-Ray Services have no copay.

Home Health Services See details

Home Health Services are covered under the Kaiser Permanente Sr Adv Enhanced Contra Costa (HMO) plan with no copay and no coinsurance. Additional hours of care and personal care services are not covered.

Cardiac Rehabilitation Services See details

Cardiac Rehabilitation Services are covered, but Intensive Cardiac Rehabilitation Services, Pulmonary Rehabilitation Services, and SET for PAD Services are not covered. A doctor referral is required, and copays apply.

Skilled Nursing Facility (SNF) See details

Skilled Nursing Facility (SNF) services are covered under the Kaiser Permanente Sr Adv Enhanced Contra Costa (HMO) plan, requiring prior authorization and a doctor's referral. You will have no copay for days 1-20, and a $100 copay for days 21-100, but additional days beyond Medicare coverage and non-Medicare-covered stays are not covered.

Other Services See details

The "Other Services" benefit covers acupuncture with no copay, and over-the-counter items with a maximum benefit coverage amount of $60 every three months. Other services include Residential Substance Use Disorder and MH Treatment with a $100 copay, and DME and Prosthetic/Medical Supplies not covered by Medicare with 0% - 20% coinsurance. However, meal benefits, Early and Periodic Screening, Diagnostic, and Treatment (EPSDT) Services, Private Duty Nursing Services, Case Management (Long Term Care), Institution for Mental Disease Services for Individuals 65 or Older, Services in an Intermediate Care Facility for Individuals with Intellectual Disabilities, Case Management, Tobacco Cessation Counseling for Pregnant Women, Freestanding Birth Center Services, Respiratory Care Services, Family Planning Services, Nursing Home Services, Home and Community Based Services, Personal Care Services, and Self-Directed Personal Assistance Services are not covered.

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