Kaiser Permanente Dual Complete North P24 (HMO D-SNP)

Kaiser Permanente Dual Complete North P24 (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 North Plan 24. This plan received an overall rating of 4 out of 5 stars in 2026.

It's important to know that Kaiser Permanente Dual Complete North P24 (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 North P24 (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 North P24 (HMO D-SNP) offers robust prescription drug coverage with no annual drug deductible. During the initial coverage phase, members enjoy no copay for preferred generic, standard generic, and specialty tier drugs at standard pharmacies. For preferred brand-name drugs and non-preferred drugs, you will pay an 18% and 25% coinsurance respectively, through both standard retail pharmacies and standard mail order. These cost-sharing rates apply until your total yearly drug costs reach $2,100.00. Once you reach this threshold, you enter the catastrophic coverage phase, where you pay nothing for covered Medicare Part D prescription drugs. Additionally, qualifying for the Low-Income Subsidy can further reduce your Part D premium to help lower your overall out-of-pocket expenses.

Additional Benefits

The Kaiser Permanente Dual Complete North P24 (HMO D-SNP) offers comprehensive medical coverage with no copays or coinsurance for primary care, preventive services, home health, and partial hospitalization. For inpatient hospital stays, members pay a daily copay of $475 for acute care or $405 for psychiatric care for the first five days, with no copay for subsequent days. Emergency room visits require a $115 copay, which is waived if admitted, while urgent care services are available with no copay. Diagnostic tests, lab services, and home infusion drugs are covered with no copay, while dialysis requires a 20% coinsurance. Routine eye exams and Medicare-covered dental services have no copay, though comprehensive dental and hearing aids are not covered. Additionally, members pay a $400 copay for ambulance services and a daily copay of $214 for skilled nursing facility days 21 through 100 after paying no copay for the first 20 days.