Point-of-Service (POS), PPO and Out-of-Area Indemnity (OOA) Choice Product Plans

The Choice Products insurance plans available through Kaiser Permanente Insurance Company* (KPIC) offer comprehensive coverage options specifically designed to complement our traditional and deductible HMO plans. Flexibility and choice are key. We offer a single carrier solution where employers can choose the HMO and Choice Product plans that meet the needs of the business and also allows employees to access quality care from any licensed provider in the country — giving them what they need to be healthier and more productive every day. See below for more information.

New Product Improvements

With our new POS and PPO Product Enhancements flyer, we are announcing three product enhancements aimed at making our POS & PPO insurance plans more competitive and providing a more seamless customer and member experience.

  1. Redesigned 2022 POS & PPO Portfolio with 9 new market-driven plans strengthened by incremental rate improvements and our newly enhanced customer service model.
  2. Specialized customer support from the newly established Employer Broker Services team who can help resolve complex customer questions and concerns.
  3. Personalized member onboarding from our Expert Advisors who provide a personal outreach call to all new subscribers before coverage even begins to help ensure a smooth transition.

We also have a separate Choice Products Service Enhancements Flyer that provides more information about the specific service enhancements we have made to help improve the customer and member experience.

Point-of-Service (POS) Plan

The POS plans offer employees the predictability of an HMO with the flexibility of a PPO. Members choose from Kaiser Permanente providers and facilities, Private Healthcare Systems (PHCS) Network care, or any other licensed provider.

Advantages

  • Flexible copayment options — members can select from a range of premium, coinsurance, copayment, and deductible levels that fit their needs.

  • Preventive care — three ways to access care, including Kaiser Permanente's unique coordinated system of physicians, pharmacies, and labs.

  • Choice of providers — members can choose from any licensed provider, hospital, or laboratory that's convenient.

  • Pharmacy coverage — low copayments for prescriptions filled through Kaiser Permanente pharmacies or MedImpact, a pharmacy benefits management company with over 60,000 pharmacies nationwide.

  • Disease management — health screenings and online educational resources help members manage chronic conditions and encourage a healthy, active lifestyle.

  • Online tools and services — all members can access industry-leading online tools like My health manager to e-mail their Kaiser Permanente doctor, view test results, or make routine appointments.

  • Worldwide coverage — members get urgent and emergency care anywhere in the world.

  • Additional benefits — supplemental benefit options round out the benefits package for total health and wellness.

To request a quote or to get more information, contact your Kaiser Permanente representative.

Complete Suite quotes are available

Preferred Provider Organization (PPO) Plan

The PPO plans give members referral-free access to Private Healthcare Systems (PHCS) Network physicians or any other licensed provider nationwide. It's a flexible solution for employees living and working outside our service areas, or for employees who've already established a relationship with an outside doctor. Offering a PPO plan alongside HMO coverage gives employers a single-carrier solution for smoother, more streamlined benefits management with just one bill and fewer claims to fill out.

Advantages

  • Multiple payment levels — a range of premium, coinsurance, copayment, and deductible levels.
  • Preventive care — employees pay copayments for doctor office visits and most preventive care services.
  • Specialty care — employees can visit the specialist of their choice without a referral.
  • Pharmacy coverage — the plan offers predictable payments for drug benefits through MedImpact, a pharmacy benefits management company with over 60,000 pharmacies nationwide.
  • Disease management — value-added services from Health Dialogue help employees make healthier lifestyle choices.
  • Worldwide coverage — members get urgent and emergency care anywhere in the world.
  • Additional benefits — We have supplemental benefit options round out the benefits package for total health and wellness.

To request a quote or to get more information, contact your Kaiser Permanente representative.

Complete Suite quotes are available

Out-of-Area Indemnity (OOA) Plan

The Out-of-Area Indemnity Plan offers benefits for employees who live and work outside the Kaiser Permanente and Private Healthcare Systems (PHCS) Network service areas. Offering an out-of-area plan alongside HMO coverage gives employers a single-carrier solution for smoother, more streamlined benefits management with just one bill and fewer claims to fill out.

Advantages

  • Preventive care—employees pay copayments for doctor office visits and most preventive care services.
  • Choice of providers—members can choose from any licensed provider, hospital, or laboratory thats convenient.
  • Specialty care—employees can visit the specialist of their choice without a referral.
  • Pharmacy coverage—the plan offers predictable payments for drug benefits through MedImpact, a pharmacy benefits management company with over 60,000 pharmacies nationwide.
  • Disease management—value-added services from Health Dialogue help employees make healthier lifestyle choices.
  • Worldwide coverage—members get urgent and emergency care anywhere in the world.

To request a quote, or to get more information, contact your Kaiser Permanente representative.

*The HMO Tier of the Point-of-Service (POS) plan is underwritten by Kaiser Foundation Health Plan, Inc. (KFHP). Kaiser Permanente Insurance Company (KPIC) underwrites the Participating and Non-Participating Provider Tiers of the POS plan, the PPO plan, and Out-of-Area Indemnity plan. KPIC is a subsidiary of KFHP.