Medicare Advantage at Kaiser Permanente.
Which Medicare Advantage plans work with Kaiser, how Medigap and Original Medicare access compares, and our advisor's tips on choosing a plan that keeps your Kaiser providers in-network.
About Kaiser Permanente
Founded in 1945 and headquartered in Oakland, California, Kaiser operates across California, Colorado, Georgia, Hawaii, Maryland, Oregon, Virginia, Washington, DC. Largest integrated health system in the U.S. with 12.5M members, with national strength in primary care, oncology, cardiology, mental health, and care coordination through its integrated EMR (KP HealthConnect).
Medicare Advantage carriers that contract with Kaiser
Kaiser Permanente Senior Advantage (Kaiser's own MA plan).
Kaiser is unique — it's a closed system. Kaiser Senior Advantage (Medicare Advantage) is the only MA plan that uses Kaiser doctors. If you want Kaiser, you must enroll in Kaiser MA. Original Medicare members can sometimes see Kaiser doctors, but typically only at Kaiser facilities and often only as a courtesy.
Original Medicare with Medigap = full Kaiser access
If keeping Kaiser in-network is non-negotiable, the simplest path is Original Medicare (Parts A and B) plus a Medigap plan plus a standalone Part D plan. Medigap plans don't have networks — they pay out-of-pocket costs at any provider that accepts Medicare.
Kaiser accepts Medicare. So: Original Medicare + Medigap means you can see any Kaiser doctor, in any Kaiser hospital, with no referrals or pre-authorizations.
The trade-off: Medigap costs $100-$250/month (versus often $0 for Medicare Advantage), and standalone Part D adds $15-$70/month. But you get total provider freedom and predictable out-of-pocket costs.
How to verify your Kaiser doctor is in your Medicare Advantage plan
- Call the plan member services line with your doctor's full name and NPI number. Ask: "Is Dr. [Name], NPI [#####], in-network for [plan name] for 2027?"
- Check the plan's online provider directory. Search by full name. Verify the address matches your Kaiser location.
- Call your Kaiser doctor's office. Ask the receptionist which Medicare Advantage plans they accept. Verify both that the practice is in-network and that the specific physician is in-network — they're sometimes different.
- If you have specialists, repeat for each one. Network status varies physician-by-physician within the same hospital system.
Free 14-minute Medicare review.
A licensed advisor reviews your specific Kaiser providers, your prescriptions, and finds the Medicare Advantage or Medigap option that keeps your care in-network. Free, no obligation.
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