A non-government entity
Kaiser Permanente Senior Advantage Liberty (HMO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Kaiser Permanente Senior Advantage Liberty (HMO). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on Kaiser Permanente Senior Advantage Liberty (HMO) in 2026, please refer to our full plan details page.
Kaiser Permanente Senior Advantage Liberty (HMO) is a HMO plan offered by Kaiser Foundation Health Plan, Inc. available for enrollment in 2025 to people living in Atlanta Full Metro Area. This plan received an overall rating of 4.5 out of 5 stars in 2026.
It's important to know that Kaiser Permanente Senior Advantage Liberty (HMO) is a Medicare Advantage (MA) Plan without drug coverage. That means that this plan covers medical services but doesn't cover prescription drugs. If you are looking for a plan with prescription drug coverage, please search for other MA and PDP plans offered in your area.
Key Plan Facts
Below are a few key facts and commonly-asked questions about Kaiser Permanente Senior Advantage Liberty (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 Senior Advantage Liberty (HMO), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $0.00. 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.
Drugs are not covered by this plan, so a prescription drug deductible is not applicable.
Out-of-Pocket Maximums
This plan has a Maximum Out-Of-Pocket cost of $6000.00 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:
Specialist Visits:
Emergency Room:
Urgent Care:
Sign up for Kaiser Permanente Senior Advantage Liberty (HMO)
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Drug Coverage
Prescription drugs are not covered by Kaiser Permanente Senior Advantage Liberty (HMO).
Additional Benefits
The Kaiser Permanente Senior Advantage Liberty (HMO) plan offers comprehensive healthcare coverage with predictable out-of-pocket costs, featuring no copay and no coinsurance for primary care visits, telehealth, and routine preventive services. For specialized medical needs, members pay fixed copayments with no coinsurance, including a $295 daily copay for the first few days of inpatient hospital stays and copays up to $40 for specialist visits. Emergency care is covered with a $130 copay, which is waived if you are admitted, while urgent care visits require a $40 copay. This plan also provides valuable supplemental benefits, including routine vision and hearing exams with no copay or coinsurance, plus a $500 eyewear allowance every two years. Preventive dental services are covered with no copay, while comprehensive dental care and Medicare-covered dental services require fixed copays with no coinsurance. Additionally, members can take advantage of a $55 quarterly allowance for over-the-counter health items with no copay and no coinsurance.
Inpatient Hospital See details
Kaiser Permanente Senior Advantage Liberty (HMO) covers inpatient hospital services with no coinsurance, requiring a $295 daily copay for days 1 to 6 of acute stays (no copay for days 7 and beyond) and a $295 daily copay for days 1 to 5 of psychiatric stays (no copay for days 6 to 90). Prior authorization and referrals are required, and non-Medicare-covered stays, room upgrades, and additional psychiatric days are not covered.
Outpatient Services See details
Kaiser Permanente Senior Advantage Liberty (HMO) covers outpatient services with no coinsurance, including outpatient hospital and observation services with copays ranging from $0 to $275, and ambulatory surgical center services with a $275 copay. Outpatient substance abuse services also feature no coinsurance with copays of $20 for group or $40 for individual sessions, while outpatient blood services are covered with no copay, no coinsurance, and no deductible.
Partial Hospitalization See details
Kaiser Permanente Senior Advantage Liberty (HMO) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required for these covered services.
Ambulance and Transportation Services See details
Kaiser Permanente Senior Advantage Liberty (HMO) covers ground and air ambulance services with a $225 copay and no coinsurance. Transportation services are partially covered with no coinsurance and copays ranging from $0 to $125 for up to 18 one-way trips per year to plan-approved locations, though transportation to any health-related location is not covered.
Emergency Services See details
Kaiser Permanente Senior Advantage Liberty (HMO) covers emergency services with a $130 copay and no coinsurance, which is waived if you are admitted to the hospital, and urgently needed services with a $40 copay and no coinsurance. Worldwide emergency coverage is also provided with no coinsurance, featuring copays of $130 for emergency care, $40 for urgent care, and $225 for emergency transportation.
Primary Care See details
Kaiser Permanente Senior Advantage Liberty (HMO) provides primary care and telehealth services with no copay and no coinsurance, while chiropractic and podiatry services are not covered. Specialist visits, mental health services, psychiatric care, and physical, occupational, and speech therapies are covered with copays ranging from $0 to $40 and no coinsurance. Other health care professional services are covered with a copay of $0 to $40 and 20% coinsurance, with referrals or prior authorizations required for certain services.
Preventive Services See details
Kaiser Permanente Senior Advantage Liberty (HMO) preventive services are partially covered with no copay and no coinsurance for annual physicals, health education, fitness benefits, remote access technologies, kidney disease education, and select screenings. Sub-services that are not covered under this plan include in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge medication reconciliation, readmission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional/dietary benefits, palliative care, in-home support, caregiver support, smoking cessation, disease management, telemonitoring, home modifications, and counseling.
Hearing Services See details
Hearing services are covered by Kaiser Permanente Senior Advantage Liberty (HMO), including one annual routine hearing exam with no copay and no coinsurance, and hearing aid evaluations for a $40 copay and no coinsurance. There is no deductible for these exams, but prescription and over-the-counter (OTC) hearing aids are not covered by the plan.
Vision Services See details
Kaiser Permanente Senior Advantage Liberty (HMO) provides partially covered vision services, offering one routine eye exam per year with no copay or coinsurance, while other eye exam services are not covered. Eyewear is covered up to a $500 combined maximum every two years with no copay and a 20% coinsurance for contact lenses, though upgrades are not covered.
Dental Services See details
Dental services are partially covered by Kaiser Permanente Senior Advantage Liberty (HMO), featuring no copay and no coinsurance for preventive care, and a $40 copay with no coinsurance for Medicare-covered dental. Comprehensive dental services are covered with no coinsurance and copays ranging from no copay to $738, though maxillofacial prosthetics and orthodontics are not covered.
Home Infusion bundled Services See details
Kaiser Permanente Senior Advantage Liberty (HMO) covers Home Infusion bundled Services with prior authorization, offering insulin with no coinsurance and a copay of $0 to $35. Other covered Medicare Part B drugs, including chemotherapy and radiation, require a copay ranging from $0 to $47 and coinsurance ranging from 0% (no coinsurance) to 20%.
Dialysis Services See details
Kaiser Permanente Senior Advantage Liberty (HMO) covers dialysis services with no copay and a 20% coinsurance.
Medical Equipment See details
Kaiser Permanente Senior Advantage Liberty (HMO) covers medical equipment with no copays for durable medical equipment, prosthetics, medical supplies, and diabetic supplies. Coinsurance ranges from 0% to 20% for durable medical equipment and medical supplies, while prosthetic devices and diabetic therapeutic shoes or inserts require a 20% coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by Kaiser Permanente Senior Advantage Liberty (HMO) with no coinsurance, though prior authorization and referrals are required. Lab services and outpatient X-rays have no copay, while diagnostic procedures and tests carry a copay of $0 to $35, and therapeutic radiological services require a minimum copay of $40.
Home Health Services See details
Home health services are covered under the Kaiser Permanente Senior Advantage Liberty (HMO) with no copay and no coinsurance, although a referral and prior authorization are required.
Cardiac Rehabilitation Services See details
Cardiac rehabilitation services are covered under the Kaiser Permanente Senior Advantage Liberty (HMO) with no coinsurance, meaning some services are covered, but standard cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and SET for PAD services are not covered.
Skilled Nursing Facility (SNF) See details
Kaiser Permanente Senior Advantage Liberty (HMO) covers Skilled Nursing Facility (SNF) services with no coinsurance, featuring no copay for days 1 through 20 and a $218 daily copay for days 21 through 100. Prior authorization and referrals are required for this benefit, though a prior three-day inpatient hospital stay is not.
Other Services See details
Other services are partially covered by Kaiser Permanente Senior Advantage Liberty (HMO), excluding acupuncture and meal benefits. Covered benefits include over-the-counter items with no copay and no coinsurance up to $55 every three months, residential mental health treatment with a $295 to $1,475 copay and no coinsurance, and non-Medicare durable medical equipment and prosthetics with no copay and 0% to 20% coinsurance.
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1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
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