Kaiser Permanente Dual Complete South P10 (HMO D-SNP)

Kaiser Permanente Dual Complete South P10 (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 10. 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 P10 (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 P10 (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 P10 (HMO D-SNP) 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 tier drugs at standard pharmacies. For other drug tiers, standard pharmacy and standard mail orders require 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 your total yearly drug costs reach $2,100.00, at which point you enter the catastrophic coverage phase. Once you reach this out-of-pocket threshold, you will pay nothing for Medicare Part D covered drugs. Additionally, individuals who qualify for the low-income subsidy can reduce their Part D premium to $0.00.

Additional Benefits

The Kaiser Permanente Dual Complete South P10 (HMO D-SNP) offers robust coverage with many essential services featuring no copayments or coinsurance. Beneficiaries enjoy no copays for primary care visits, preventive services, annual physicals, routine eye exams, and home health care. Additionally, outpatient hospital services, partial hospitalization, and diagnostic lab tests are covered with no copay or coinsurance, helping to keep out-of-pocket costs low. For specialized care, inpatient hospital stays require copays for the first five days, after which there is no copay, while emergency room visits carry a $115 copay that is waived upon admission. Durable medical equipment and dialysis services generally require up to a 20% coinsurance, and ambulance services have a $400 copay. The plan also includes valuable extras such as a $500 annual eyewear allowance and no-copay over-the-counter items.