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Kaiser Permanente Sr Advantage Liberty Giveback (HMO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Kaiser Permanente Sr Advantage Liberty Giveback (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 Advantage Liberty Giveback (HMO) in 2026, please refer to our full plan details page.
Kaiser Permanente Sr Advantage Liberty Giveback (HMO) is a HMO plan offered by Kaiser Foundation Health Plan, Inc. available for enrollment in 2026 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 Sr Advantage Liberty Giveback (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 Sr Advantage Liberty Giveback (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 Advantage Liberty Giveback (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. Additionally, this plan comes with a Part B Premium reduction of $100.00. You must continue to pay paying your reduced 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 $6750.00 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:
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Drug Coverage
Prescription drugs are not covered by Kaiser Permanente Sr Advantage Liberty Giveback (HMO).
Additional Benefits
The Kaiser Permanente Sr Advantage Liberty Giveback (HMO) plan offers robust coverage with no copays for primary care visits, telehealth, routine hearing and vision exams, and annual physicals. For inpatient hospital stays, members pay a $395 copay per day for the first few days and no copay for subsequent days, while emergency room visits carry a $130 copay that is waived if admitted. Outpatient services and specialist visits are also affordable, featuring no coinsurance and low-to-moderate copays. Preventive dental care is available with no copay, while comprehensive dental services require copays but no coinsurance. The plan features no copays for durable medical equipment and home health services, though some medical equipment and dialysis require a 20% coinsurance. Additionally, members benefit from a $25 quarterly over-the-counter allowance with no copay and no copays for the first 20 days of skilled nursing facility stays.
Inpatient Hospital See details
Kaiser Permanente Sr Advantage Liberty Giveback (HMO) covers inpatient hospital services with no coinsurance, requiring a $395 copay for days 1 to 6 of acute stays (no copay for days 7 to 90 and unlimited additional days) and a $395 copay for days 1 to 5 of psychiatric stays (no copay for days 6 to 90). This benefit is partially covered, as upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Kaiser Permanente Sr Advantage Liberty Giveback (HMO) covers outpatient services with no coinsurance, though copays vary depending on the specific service. Patients will pay a $0 to $380 copay for outpatient hospital and observation services, a $380 copay for ambulatory surgical center services, $25 to $50 for substance abuse sessions, and no copay for outpatient blood services.
Partial Hospitalization See details
Kaiser Permanente Sr Advantage Liberty Giveback (HMO) covers partial hospitalization services with a $100 copay and no coinsurance. Prior authorization is required for these services.
Ambulance and Transportation Services See details
Kaiser Permanente Sr Advantage Liberty Giveback (HMO) covers ground and air ambulance services with a $290 copay and no coinsurance. Transportation services to plan-approved locations are partially covered with a copay of $60 to $125 and no coinsurance, but transportation to any health-related location is not covered.
Emergency Services See details
Kaiser Permanente Sr Advantage Liberty Giveback (HMO) covers emergency services with a $130 copay and no coinsurance, with the copay waived if you are admitted to the hospital. Urgently needed services require a $50 copay and no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no coinsurance and copays of $130, $50, and $290 respectively.
Primary Care See details
Kaiser Permanente Sr Advantage Liberty Giveback (HMO) offers primary care and telehealth services with no copay and no coinsurance, while specialist care requires a $0 to $50 copay and no coinsurance. Mental health and physical therapies have a $25 to $50 copay and no coinsurance, but chiropractic and podiatry services are not covered.
Preventive Services See details
Preventive services are covered by Kaiser Permanente Sr Advantage Liberty Giveback (HMO) with no copay and no coinsurance for annual physical exams, kidney disease education, and select screenings. Additional preventive services are partially covered with no copay and no coinsurance, but do not cover 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, home-palliative care, in-home support, caregiver support, smoking cessation, enhanced disease management, telemonitoring, home/bathroom safety, and counseling.
Hearing Services See details
Kaiser Permanente Sr Advantage Liberty Giveback (HMO) covers one routine hearing exam per year with no copay and no coinsurance, and fitting evaluations with a $50 copay and no coinsurance. Prescription and OTC hearing aids are not covered under this plan.
Vision Services See details
Kaiser Permanente Sr Advantage Liberty Giveback (HMO) covers vision services with no deductible, offering one routine eye exam per year with no copay and no coinsurance, though other eye exam services are not covered. Eyewear is covered with no copay and a 20% coinsurance up to a $250 maximum every two years, but eyewear upgrades are not covered.
Dental Services See details
Dental services are partially covered by the Kaiser Permanente Sr Advantage Liberty Giveback (HMO) plan, with maxillofacial prosthetics and orthodontics excluded from coverage. Members pay a $50 copay for Medicare-covered dental, no copay for preventive services, and copays ranging from $0 to $738 for comprehensive procedures, all with no coinsurance.
Home Infusion bundled Services See details
Kaiser Permanente Sr Advantage Liberty Giveback (HMO) covers home infusion bundled services with prior authorization, featuring copays ranging from no copay up to $47 and coinsurance from no coinsurance up to 20% for chemotherapy and other Part B drugs. Covered insulin is available with no coinsurance and copays ranging from no copay up to $35.
Dialysis Services See details
Dialysis services are covered by the Kaiser Permanente Sr Advantage Liberty Giveback (HMO) plan with no copay and a 20% coinsurance.
Medical Equipment See details
Kaiser Permanente Sr Advantage Liberty Giveback (HMO) covers medical equipment with no copay for durable medical equipment, medical supplies, and diabetic supplies. Coinsurance ranges from no coinsurance to 20% for durable medical equipment and medical supplies, while prosthetic devices and diabetic therapeutic shoes require a 20% coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by Kaiser Permanente Sr Advantage Liberty Giveback (HMO) with no coinsurance, though prior authorization and referrals are required. There is no copay for lab services, a $0 to $35 copay for diagnostic tests, a $10 copay for outpatient X-rays, and minimum copays of $10 for diagnostic radiological services and $50 for therapeutic radiological services.
Home Health Services See details
Home health services are covered by Kaiser Permanente Sr Advantage Liberty Giveback (HMO) with no copay and no coinsurance. Both a referral and prior authorization are required to access this benefit.
Cardiac Rehabilitation Services See details
Kaiser Permanente Sr Advantage Liberty Giveback (HMO) offers cardiac rehabilitation services with no coinsurance, though only some services are covered in practice since cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by Kaiser Permanente Sr Advantage Liberty Giveback (HMO) with no coinsurance, though prior authorization and a referral are required. There is no copay for days 1 to 20 and a $218 daily copay for days 21 to 100, with no prior three-day hospital stay required.
Other Services See details
Kaiser Permanente Sr Advantage Liberty Giveback (HMO) partially covers other services, excluding acupuncture and meal benefits. Covered benefits include over-the-counter items with no copay and no coinsurance up to $25 every three months, residential mental health and chemical dependency treatment with a $395 to $1,975 copay and no coinsurance, and non-Medicare durable medical equipment and prosthetics with no copay and 0% to 20% coinsurance. Prior authorization is required for residential treatment and durable medical equipment.
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