Kaiser Permanente Dual Complete Plan 2 MD (HMO D-SNP)

Kaiser Permanente Dual Complete Plan 2 MD (HMO D-SNP) is a HMO D-SNP plan offered by Kaiser Foundation Health Plan, Inc. available for enrollment in 2026 to people living in AA, Baltimore City/Co, Carroll, Harford, Howard. This plan received an overall rating of 4.5 out of 5 stars in 2026.

It's important to know that Kaiser Permanente Dual Complete Plan 2 MD (HMO D-SNP) is a Medicare Advantage (MA) Plan with drug coverage. That means that this plan covers both medical services and prescription drugs.

Key Plan Facts

Below are a few key facts and commonly-asked questions about Kaiser Permanente Dual Complete Plan 2 MD (HMO D-SNP).

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.

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:

Drug Coverage

The Kaiser Permanente Dual Complete Plan 2 MD (HMO D-SNP) features an annual drug deductible of $295. For Tier 1 preferred generic and Tier 2 generic drugs, members pay no coinsurance when using a preferred pharmacy or standard mail order, compared to a 25% coinsurance at standard pharmacies. Additionally, Tier 6 vaccines are covered with no copay for a one-month supply at both preferred and standard pharmacies. Tier 3 preferred brand drugs carry a 10% coinsurance at preferred pharmacies and standard mail order, which rises to 25% at standard pharmacies. For higher tiers, including Tier 4 non-preferred drugs and Tier 5 specialty drugs, a consistent 25% coinsurance applies across preferred pharmacies, standard pharmacies, and standard mail order. This prescription drug plan provides the lowest out-of-pocket costs when choosing preferred network pharmacies or standard mail-order services.

Additional Benefits

The Kaiser Permanente Dual Complete Plan 2 MD (HMO D-SNP) offers robust medical coverage, featuring a $2,080 copayment per admission for inpatient hospital stays and no copay for primary, specialist, or outpatient services, which carry up to a 20% coinsurance. Emergency care is accessible with a $115 copay, while telehealth and home health services are covered with no copay and no coinsurance. Skilled nursing facility stays feature no copay for the first 20 days, followed by a $218 daily copay for days 21 through 100. Supplemental benefits provide additional value with no deductibles, including a $1,500 annual limit for dental care and a $300 eyewear allowance every two years. Members also receive up to 24 one-way transportation trips per year and a $60 monthly allowance for over-the-counter items with no copay and no coinsurance. Hearing aids are covered up to $1,000 per ear every three years with no copay or coinsurance.