Kaiser Permanente Dual Complete South P9 (HMO D-SNP)

Kaiser Permanente Dual Complete South P9 (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 South Plan 9. This plan received an overall rating of 4 out of 5 stars in 2026.

It's important to know that Kaiser Permanente Dual Complete South P9 (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 South P9 (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 South P9 (HMO D-SNP) plan offers an Enhanced Alternative drug benefit with no prescription drug deductible. During the initial coverage phase, members enjoy no copay for Tier 1 preferred generic, Tier 2 standard generic, and Tier 5 specialty drugs. For other tiers, standard costs are an 18% coinsurance for Tier 3 preferred brand drugs and a 25% coinsurance for Tier 4 non-preferred drugs. These initial coverage rates apply until total drug costs reach $2,100.00, at which point you enter the catastrophic coverage phase. In this catastrophic phase, you pay nothing for Medicare Part D covered drugs. Additionally, if you qualify for the full Low-Income Subsidy (LIS), your cost is reduced to $0.00.

Additional Benefits

The Kaiser Permanente Dual Complete South P9 (HMO D-SNP) plan offers comprehensive medical coverage with no copays or coinsurance for primary care visits, preventive services, outpatient procedures, and home health care. For inpatient hospital stays, members pay a $355 copay for days one through five, with no copay for additional days, while skilled nursing facility stays feature no copay for up to 100 days. Emergency room visits require a $115 copay, which is waived upon admission, and ambulance services carry a $400 copay. Routine vision exams are covered with no copay alongside a $500 annual allowance for eyewear, but routine hearing services are not covered and dental benefits are limited to Medicare-covered services with no copay. Diagnostic services, lab tests, and home infusions are available with no copay, whereas dialysis and durable medical equipment require no copay and up to a 20% coinsurance. Additionally, the plan includes an over-the-counter benefit of up to $200 every three months with no copay.