KP OR Silver 4000

Kaiser Permanente · 2026 plan year

Silver
Ind. deductible
$4,000
Family deductible
$8,000
Ind. OOP max
$8,600
Family OOP max
$17,200

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Live premium estimate

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Benefits & cost sharing

Primary Care

BenefitIn-network
Preventive Care/Screening/ImmunizationNo charge
Primary Care Visit to Treat an Injury or Illness$40.00

Specialist

BenefitIn-network
Specialist Visit$70.00

Hospital

BenefitIn-network
Inpatient Hospital Services (e.g., Hospital Stay)35.00% Coinsurance after deductible
Emergency Room Services$350.00 Copay after deductible
Outpatient Surgery Physician/Surgical Services35.00% Coinsurance after deductible
Urgent Care Centers or Facilities$60.00

Pharmacy

BenefitIn-network
Medical Service DrugsNot covered
Specialty Drugs50.00% Coinsurance after deductible
Generic Drugs$25.00
Non-Preferred Brand Drugs50.00% Coinsurance after deductible
Preferred Brand Drugs$75.00
Zero Cost Share Preventive DrugsNot covered

Mental Health

BenefitIn-network
Mental/Behavioral Health Inpatient Services35.00% Coinsurance after deductible
Mental/Behavioral Health Outpatient Services$40.00

Other

BenefitIn-network
Hospice ServicesNo charge
Imaging (CT/PET Scans, MRIs)$350.00 Copay after deductible
Infertility TreatmentNot covered
Infusion Therapy$70.00
Inpatient Physician and Surgical Services35.00% Coinsurance after deductible
Laboratory Outpatient and Professional Services$60.00
Long-Term/Custodial Nursing Home CareNot covered
Major Dental Care - AdultNot covered
Major Dental Care - ChildNot covered
Substance Abuse Disorder Inpatient Services35.00% Coinsurance after deductible
Abortion for Which Public Funding is ProhibitedNo charge
Accidental Dental35.00% Coinsurance after deductible
Acupuncture$25.00
Allergy Testing$70.00
Bariatric SurgeryNot covered
Basic Dental Care - AdultNot covered
Basic Dental Care - ChildNot covered
Chemotherapy$70.00
Chiropractic Care$25.00
Cosmetic Surgery35.00% Coinsurance after deductible
Delivery and All Inpatient Services for Maternity Care35.00% Coinsurance after deductible
Dental Check-Up for ChildrenNot covered
Diabetes Education$40.00
Dialysis$70.00
Durable Medical Equipment35.00% Coinsurance after deductible
Emergency Transportation/Ambulance35.00% Coinsurance after deductible
Eye Glasses for ChildrenNo charge
Gender Affirming CareSee plan details
Habilitation Services$70.00
Hearing Aids35.00%
Home Health Care Services35.00% Coinsurance after deductible
Hormone TherapySee plan details
Non-Preferred Generic$25.00
Nutritional Counseling$40.00
Orthodontia - AdultNot covered
Orthodontia - ChildNot covered
Other Practitioner Office Visit (Nurse, Physician Assistant)$40.00
Outpatient Facility Fee (e.g., Ambulatory Surgery Center)35.00% Coinsurance after deductible
Outpatient Rehabilitation Services$70.00
Preferred Generic$25.00
Prenatal and Postnatal CareNo charge
Private-Duty NursingNot covered
Prosthetic Devices35.00% Coinsurance after deductible
Radiation$70.00
Reconstructive Surgery35.00% Coinsurance after deductible
Rehabilitative Occupational and Rehabilitative Physical Therapy$70.00
Rehabilitative Speech Therapy$70.00
Routine Dental Services (Adult)Not covered
Routine Eye Exam (Adult)Not covered
Routine Eye Exam for ChildrenNo charge
Routine Foot Care$70.00
Skilled Nursing Facility35.00% Coinsurance after deductible
Substance Abuse Disorder Outpatient Services$40.00
Telehealth - Primary CareNo charge
Telehealth - SpecialistNo charge
Transplant35.00% Coinsurance after deductible
Treatment for Temporomandibular Joint DisordersNot covered
Weight Loss ProgramsNot covered
Well Baby Visits and CareNo charge
X-rays and Diagnostic Imaging$60.00 Copay after deductible

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