The Kaiser Health Maintenance Organization (HMO) Plan is only available to employees who live within Kaiser’s Northern California region service area. With the Kaiser HMO N. CA plan, you must see providers within the Kaiser network (except in an emergency). The plan requires that you select a Primary Care Physician (PCP) to coordinate all your healthcare needs, including arranging for hospitalization and referrals to specialists. Visit Find a Doctor  to see if your provider is in-network.
There is no plan deductible. However there are copays for office visits, emergency visits and prescription drugs which count towards the out of pocket maximum. For more information refer to the Kaiser HMO N.CA Summary of Benefits and Coverage (SBC) . Visit the Pharmacy  page for more information on your prescription drug benefits.
With the Kaiser HMO N. CA plan, you are eligible to enroll in the General Purpose Flexible Spending Account (GPFSA)  for your out-of-pocket expenses.
Kaiser HMO N. CA Plan Details
|Annual Deductible||N/A||Not Covered|
|Annual Out-of-Pocket (OOP) Maximum1||Individual: $2,000
|Employee Coinsurance||20% Durable Equipment||Not Covered|
|Preventive (Annual Physicals, Well Care Exams)||100% covered||Not Covered|
|Physician Visits||Primary Care: $20/visit
|Lab and X-Ray||100% covered||Not Covered|
|Emergency Room2||$150 / visit||Not Covered|
|Ambulance||$50 / trip||Not Covered|
|Hospitalization||$250 / admission||Not Covered|
Up to 30 visits/year
Up to 30 visits/year
|Massage||Not Covered||Not Covered|
|Speech Therapy2||$20||Not Covered|
|Infertility/Fertility Preservation||50% coinsurance/visit
(Does not include GIFT, ZIFT or IVF)3
1 OOP maximum includes Prescription Rx.
2 Available to those with conditions of medical necessity.
3 GIFT is a gamete intrafallopian transfer. ZIFT is a zygote intrafallopian transfer. IVF is in-vitro fertilization.
Employee Contributions for 2020
|Plan||Employee Only||Employee +
|Employee + Child(ren)||Employee + Family|
|Kaiser HMO N. CA||$93.02||$204.64||$176.74||$297.66|
1 Per paycheck contributions are 24 times per year. Contributions are pre-tax (except for Domestic Partner  coverage).
- Your spouse or domestic partner . Please note: after tax contributions and imputed income may apply when covering a domestic partner. See the Domestic Partner Imputed Income Rate Table  for details
- Your child(ren), your spouse’s / domestic partner’s child(ren), the minor(s) you have legal guardianship of are eligible for medical coverage until age 26, regardless of marital or student status.
For more details see the Kaiser HMO N.CA Summary of Benefits and Coverage (SBC) .