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Kaiser Permanente

Kaiser Permanente | KP CO Gold 0/20

  • KP CO Gold 0/20 is an Obamacare health insurance plan offered by Kaiser Permanente that is available for individuals and families.

  • This plan is a HMO, meaning you will have to stay within the insurance company’s network, and will need to see a primary care doctor first and get a referral in order to see a specialist. (Read more about HMOs.)

  • This plan is a Gold metal level plan, which generally has a higher monthly cost but lower deductible (and co-pay), and provides good insurance coverage for people and families who spend more on health care (doctor visits, Rx, tests) than the average person.

  • Deductible amount of No Charge. A deductible is the amount of healthcare costs you will pay on your own each year before the insurance company.

  • Max out-of-pocket of $6,350, which is the most you will pay in a plan year outside of premiums, out-of-network providers and non-essential health benefits.

Ways to Enroll or Learn More

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Plan Summary

Monthly Cost
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Plan Name:
KP CO Gold 0/20
Plan ID:
21032CO0410037
Plan Type:
HMO
Deductible:
No Charge
Maximum Out-of-Pocket:
$6,350
Summary of Benefits:
View Summary
Provider Information:
View Information

Who is this plan for?

This plan with a higher monthly cost is great for individuals and families who have multiple, serious, or chronic health needs, regularly visit the doctor, and regularly use multiple prescription drugs. The low deductible on this plan means you won't have to pay as much money out of pocket for medical care and prescriptions before your insurance kicks in. The very high out-of-pocket maximum on this plan means you could be faced with a very expensive medical bill if an emergency happens. Plans with this type of provider network tend to have a narrower provider network.
HealthCare.com is a privately-held website for healthcare consumers operating since 2007. We’re not the government marketplace.

Highlights

Dental Coverage:
Child
Emergency Room:
$500
Retail Drugs:
$30
Generic Drugs:
$10

Overview

Plan Type:
HMO
Metal Level:
Gold
Health Spending Account:
No
Primary Care Office Visit:
$20
Specialist Office Visit:
$40
Out of Network Coverage:
Yes
Out of Country Coverage:
Yes

Coverage Details

Preventive Care

Periodic Health Exam
In Network:
No Charge
Out of Network:
Not Covered
Well Baby Care
In Network:
No Charge
Out of Network:
Not Covered

Inpatient

Hospital Services
In Network:
30%
Out of Network:
Not Covered
Physician Fee
In Network:
30%
Out of Network:
Not Covered
Skilled Nursing Facility
In Network:
$250 Copay per Stay
Out of Network:
Not Covered
Mental Health
In Network:
30%
Out of Network:
Not Covered
Substance Abuse
In Network:
30%
Out of Network:
Not Covered
Home Healthcare
In Network:
No Charge
Out of Network:
Not Covered

Outpatient

Surgery
In Network:
30%
Out of Network:
Not Covered
X-ray and Diagnostics
In Network:
30%
Out of Network:
Not Covered
Labs
In Network:
30%
Out of Network:
Not Covered
Facility Fee
In Network:
30%
Out of Network:
Not Covered
Mental Health
In Network:
$20
Out of Network:
Not Covered
Substance Abuse
In Network:
$20
Out of Network:
Not Covered
Rehabilitation Services
In Network:
$20
Out of Network:
Not Covered

Maternity/Pregnancy

Pre & Postnatal Care
In Network:
30%
Out of Network:
Not Covered
Infertility Treatment
In Network:
30%
Out of Network:
Not Covered
Labor and Delivery Inpatient Services
In Network:
30%
Out of Network:
Not Covered

Dental

Basic Dental Care (Child)
In Network:
50% Coinsurance after deductible
Out of Network:
Not Covered
Dental Checkup (Child)
In Network:
No Charge after deductible
Out of Network:
Not Covered
Major Dental Care (Child)
In Network:
50% Coinsurance after deductible
Out of Network:
Not Covered

Vision

Eye Exam (Child)
In Network:
$20
Out of Network:
Not Covered
Glasses (Child)
In Network:
50%
Out of Network:
Not Covered

Additional Coverage

Chiropractic Care
In Network:
$20
Out of Network:
Not Covered
Habilitation Services
In Network:
$20
Out of Network:
Not Covered
Rehabilitation Services (Speech)
In Network:
$20
Out of Network:
Not Covered
Rehabilitation Services (Occupational Therapy)
In Network:
$20
Out of Network:
Not Covered
Hospice Service
In Network:
No Charge
Out of Network:
Not Covered
Diabetes Care Management
In Network:
$20
Out of Network:
Not Covered
Durable Medical Equipment
In Network:
$20
Out of Network:
Not Covered
Hearing Aids
In Network:
$20
Out of Network:
Not Covered
Nutritional Consuleling
In Network:
$20
Out of Network:
Not Covered
Reconstructive Surgery
In Network:
30%
Out of Network:
Not Covered

Doctor Visits

Primary Care Visit
In Network:
$20
Out of Network:
Not Covered
Specialist Visit
In Network:
$40
Out of Network:
Not Covered
Other Practitioner Office Visit
In Network:
$40
Out of Network:
Not Covered
Preventative Care / Screening / Immunization
In Network:
No Charge
Out of Network:
Not Covered

Emergency Room and Urgent Care

Emergency Room Services
In Network:
$500
Out of Network:
$500
Urgent Care Services
In Network:
$75
Out of Network:
$75
Ambulance/Transportation Services
In Network:
30%
Out of Network:
30%

Drugs

Generic Prescription
In Network:
$10
Out of Network:
Not Covered
Retail Brand Drugs
In Network:
$30
Out of Network:
Not Covered
Non Retail Brand Drugs
In Network:
$150
Out of Network:
Not Covered
Specialty Drugs
In Network:
$500
Out of Network:
Not Covered

Additional Plan Information

Summary Of Benefits:
View Summary
Provider Information:
View Information
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(877) 626-1943GET PRICE

HealthCare.com is a privately owned website, and monthly costs shown above are estimates only. Your monthly premium may change based on the data provided, outside fees, optional benefits or if other factors take effect before your coverage start date. Note that insurance companies reserve the right to change your premium rate and the policy terms at any time. Effective date, benefit amounts and other conditions may apply at the discretion of the insurance carrier you select. Depending on your state of residence, this website may not display all plans available by state. The Obamacare Tax Subsidy Calculator amounts are estimates only and the actual amount of subsidy eligibility may differ. Access to your physician depends on network selected, and networks can change without notice. Contact your health insurance company to confirm your healthcare provider is still available in the network you select.

In the HSA - qualified plans with family coverage, the deductible can be met with one family member’s expenses or a combination of family members’ expenses. In the HSA - qualified plans with family coverage, the out-of-pocket maximum can be met with one family member’s expenses or a combination of family members’ expenses.

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