Retiree Plans & Benefits

A man sitting on a lawn chair with his hands behind his head A man sitting on a lawn chair with his hands behind his head

Retirement is an exciting time, but it can also be a challenge. The last thing you want to worry about is health care. Kaiser Permanente offers coverage for both Medicare-eligible retirees as well as those retiring before they are Medicare-eligible. If you are eligible for Medicare, you can enroll in one of our Kaiser Permanente Medicare Advantage (HMO) health plans for CalPERS retirees: Kaiser Permanente Senior Advantage (KPSA) and Kaiser Permanente Senior Advantage (KPSA) Summit. For those who are not yet Medicare eligible, you can remain on the Kaiser Permanente Basic (HMO) plan. Retirees, if you are ready to enroll in Medicare and Kaiser Permanente, visit calpers.ca.gov or myCalPERS, or call 1-888-CALPERS (1-888-225-7377) .

California Plan Information

2025 KPSA with $10 copay office visit

Annual Deductible Out-of-Pocket Maximum Primary Care Office Visit
$0 $1,500 $10 copay
Specialist Visit $10 copay
Lab Test $0 copay
Generic Drug $5
Preferred Brand Drug $20 copay
Emergency Room Visits $50 copay
Urgent Care Visit $10 copay
Outpatient Surgery $10 per procedure
Inpatient Surgery $0 per procedure
Hospital Facility Fee $0 copay

*Assumes in-network services. Before making any decision about your care or coverage, please review the full document(s) for accuracy, definitions, exclusions, and limitations

2025 KPSA Summit with $0 copay office

Annual Deductible Out-of-Pocket Maximum Primary Care Office Visit
$0 $1,500 Individual $0 copay
Specialist Visit $0 copay
Lab Test $0 copay
Generic Drugs $5 copay
Preferred Brand Drugs $20 copay
Emergency Room Visits $50 copay
Urgent Care Visits $0 copay
Outpatient Surgery $0 per procedure
Inpatient Surgery $0 per procedure
Hospital Facility Fee $0 copay

*Assumes in-network services. Before making any decision about your care or coverage, please review the full document(s) for accuracy, definitions, exclusions, and limitations

2024

2024 KPSA Medicare Benefits & Coverage

2024 KPSA Summit Medicare Benefits & Coverage

2023

2023 KPSA Medicare Benefits & Coverage

2023 KPSA Summit Medicare Benefits & Coverage

Additional Materials

Your Evidence of Coverage or Summary Plan Description contains a complete explanation of benefits, exclusions, and limitations. The information provided here is not intended nor designed to serve as your Evidence of Coverage.

If you live outside of California, select your state to learn more about your benefits.

Colorado

2024 Benefits & Coverage

2023 Benefits & Coverage

2022 Benefits & Coverage

Georgia

2024 Benefits & Coverage

2023 Benefits & Coverage

2022 Benefits & Coverage

Hawaii

2024 Benefits & Coverage

2023 Benefits & Coverage

2022 Benefits & Coverage

Washington

2024 Benefits & Coverage

2023 Benefits & Coverage

2022 Benefits & Coverage

Northwest

2024 Benefits & Coverage

2023 Benefits & Coverage

2022 Benefits & Coverage

Mid-Atlantic

2024 Benefits & Coverage

2023 Benefits & Coverage

2022 Benefits & Coverage

Kaiser Permanente is an HMO plan with a Medicare contract. Enrollment in Kaiser Permanente depends on contract renewal. You must reside in the Kaiser Permanente Medicare health plan service area in which you enroll. This information is not a complete description of benefits. Call 1-855-717-9598 toll free (TTY 711) for more information.

Considering joining Kaiser Permanente as a Medicare Retiree?

Speak with a Kaiser Permanente Medicare specialist if you are interested in one of the Medicare Advantage health plans:
1-855-717-9598

7 a.m. to 6 p.m. local time Monday through Friday

Open Enrollment Webinars

Learn more about Kaiser Permanente's convenient care options, healthy resources, and your CalPERS plan options. You do not need to be a Kaiser Permanente member to attend.

Register today:

Kaiser Permanente | CalPERS

Most features are available only to members receiving care at Kaiser Permanente medical facilities.

Kaiser Permanente health plans around the country: Kaiser Foundation Health Plan, Inc., in Northern and Southern California and Hawaii • Kaiser Foundation Health Plan of Colorado • Kaiser Foundation Health Plan of Georgia, Inc., Nine Piedmont Center, 3495 Piedmont Road NE, Atlanta, GA 30305, 404-364-7000 • Kaiser Foundation Health Plan of the Mid-Atlantic States, Inc., in Maryland, Virginia, and Washington, D.C., 2101 E. Jefferson St., Rockville, MD 20852 • Kaiser Foundation Health Plan of the Northwest, 500 NE Multnomah St., Suite 100, Portland, OR 97232 • Kaiser Foundation Health Plan of Washington, 601 Union St., Suite 3100, Seattle, WA 98101

Colorado state law requires that an access plan be available that describes Kaiser Foundation Health Plan of Colorado’s network of provider services. To get a copy, please call Member Services or visit kp.org.