Group Health Plans

Kaiser Permanente offers small group health insurance plans aimed at meeting the needs of your business. Kaiser Permanente Group Copayment Plans offer no medical deductibles and virtually no paperwork. Those covered in your business will have low cost office visits and prescription drug copayments. Plans include copayments for doctor visits, emergency, surgery, prescription drugs, etc.

I don’t get sick that often. How can Kaiser Permanente help me?

Health is much more than just not being sick. It’s an attitude. A way of life. Whether it’s through Kaiser's health education classes or our online health tools, you can take advantage of a variety of resources to help you live a healthier life.

Are alternative medicine and chiropractic care covered?

Kaiser Permanente offers an optional Chiropractic Plan which provides members with up to 20 chiropractic visits per year for a $15 copayment per visit. In addition, all Kaiser Permanente members can access a select network of complementary health providers to receive a 25 percent discount off regular rates for chiropractic, acupuncture, and massage therapy services.

What is the cost for a physical exam?

A physical would be the cost of a "preventative physical exam." Additional costs may apply for any lab or imaging work.

Do the plans cover vision exams and optical eyewear?

Vision exams are covered with a copayment. The $15 and $5 copayment plans offer a two-year allowance of $150 for eyewear. Kaiser Permanente California members on other small business plans receive a 20% discount on vision related services in the optical department.

What is meant by "per encounter"?

This is the copayment amount a subscriber pays each time they go in to get X-rays. For example, if a subscriber went in one day and had six X-rays, they would pay $10. Then if the same subscriber went in the next day and had eight X-rays, they would pay another $10.

Are prescription drugs covered?

Yes. All Copayment Plans cover prescription drugs with a copayment. Regular (non HSA plans) Deductible Plans cover prescription drugs with a copayment before the deductible is met. The $0/$1500 and $0/$2700 Deductible Plans with HSA do not cover prescription drugs until the deductible is met. Then once the deductible is met, these plans offer 100% coverage for prescription drugs. The $0/$2700 Deductible Plan with HSA offers prescription drugs with a copayment after the deductible is met.

Is infertility covered?

The $15 Copayment Plan and the $5 Copayment Plan (only offered for groups) cover 50% of infertility costs.

Is maternity/pregnancy covered?

Yes, all plans cover maternity and pregnancy. Prenatal and first postpartum visits are covered, and the fee is based upon the rates of your chosen plan. Delivery is covered under hospitalization and rates vary according to your chosen plan.

Can I switch to a different Kaiser Permanente primary care physician?

Yes. You may switch to another Kaiser Permanente primary care physician for any reason.

Can I choose my own primary care physician?

Yes. You may choose your own personal physician from the Kaiser Permanente available primary care doctors in these specialties: internal medicine, family medicine, and pediatrics. Also, women may select an available obstetrician/gynecologist as their primary care physician.

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