Kaiser Permanente Plus™ (KP Plus) Available in California – Quoting Begins October 1

Kaiser Permanente Plus™ (KP Plus) plans will now be available in California. Quoting begins 10/1/2025, with plan effective dates starting 1/1/2026.

KP Plus combines the high-quality, coordinated care Kaiser Permanente is known for with the added flexibility of limited out-of-network access. It’s designed for groups that value Kaiser Permanente’s affordability and outcomes but also want choice when it comes to providers.
 

What This Means for Brokers

KP Plus helps you expand your client conversations by offering:

• More options for your groups — Clients can keep Kaiser Permanente in their benefits package while giving employees the flexibility to see a favorite out-of-network provider.
• Built-in flexibility — Each year, members can use:
  • 10 out-of-network office visits and covered outpatient medical services
  • 5 out-of-network prescription fills or refills
• Competitive pricing — Lower monthly premiums and out-of-pocket costs compared to PPO and POS options.
• Retention and recruitment value — Employers gain a versatile benefit that helps attract and retain employees, while simplifying administration through a single carrier.

How KP Plus Works for Members

• In-network: Fully coordinated care through Kaiser Permanente providers and facilities, with the lowest out-of-pocket costs. Preventive care at no cost, plus robust telehealth and digital tools.
• Out-of-network: Access to any licensed provider in the country for up to 10 covered services per year, plus 5 prescription fills.

KP Plus PLANS ARE IDEAL FOR GROUPS THAT:

• Have employees with existing out-of-network doctor relationships
• Want options outside Kaiser Permanente
• Need access to care beyond a Kaiser service area
• May be new to Kaiser Permanente but want to ease into the network while maintaining current provider ties

PARTICIPATION AND ENROLLMENT:

• Standard Kaiser minimums apply
• The same requirements hold when offered alongside another carrier or in multi-plan scenarios
• Available to small and large businesses in all Kaiser service areas
• Members must live or work in a Kaiser service area to be eligible; out-of-network benefits extend across the U.S. and its territories

For brokers, KP Plus means new opportunities to meet clients’ needs with a plan that balances affordability, flexibility and access.