Kaiser Permanente Medicare Advantage Standard 2 MD (HMO-POS)

Kaiser Permanente Medicare Advantage Standard 2 MD (HMO-POS) is a HMO-POS 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 Medicare Advantage Standard 2 MD (HMO-POS) 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 Medicare Advantage Standard 2 MD (HMO-POS).

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 Medicare Advantage Standard 2 MD (HMO-POS) plan features a $0 drug deductible, meaning your prescription drug coverage begins immediately. Under this plan, there is no copay for Tier 1 preferred generic drugs at preferred pharmacies or through standard mail order, and Tier 6 vaccines also feature no copay. Tier 2 generic medications are highly affordable, costing as little as a $9 copay for a one-month supply at a preferred pharmacy or standard mail order. For brand-name and specialty medications, costs vary depending on the drug tier and pharmacy type you choose. Tier 3 preferred brand drugs carry a $45 copay for a one-month supply at preferred pharmacies, while Tier 4 non-preferred drugs require a $100 copay. Tier 5 specialty drugs are subject to a 29% coinsurance across all pharmacy options, including standard mail order.

Additional Benefits

The Kaiser Permanente Medicare Advantage Standard 2 MD (HMO-POS) plan provides robust medical coverage with predictable out-of-pocket costs, including a low $5 copay for primary care visits and a $40 copay for specialists. Inpatient hospital stays require a $375 daily copay for days one through five, while preventive care, telehealth, and diagnostic lab services are covered with no copay. Emergency room visits carry a $115 copay, which is waived upon admission, and urgent care services require a $40 copay. For supplemental care, the plan offers dental, vision, and hearing benefits, featuring no copay for prescription hearing aids up to $1,000 per ear and no copay for routine transportation up to 24 one-way trips annually. Dental care ranges from no copay for preventive services to a 50% coinsurance for comprehensive care up to a $1,000 limit. Additionally, members receive a $45 quarterly allowance for over-the-counter items with no copay or coinsurance.