Kaiser Permanente Medicare Advantage 2025 Review

Kaiser Permanente Medicare Advantage pros and cons

Our full review

Kaiser Permanente Medicare star ratings

Average star rating, weighted by enrollment: 4.41

Kaiser Permanente Medicare Advantage plans are rated well above the industry average, receiving an average rating of 4.41 stars out of 5 from the Centers for Medicare & Medicaid Services (CMS) for 2025, weighted by enrollment. For comparison, the average weighted star rating for plans from all providers is 3.95.

CMS maintains its own database of star ratings, which rank each plan from best (5 stars) to worst (1 star). The agency bases these ratings on plans’ quality of care and measurements of customer satisfaction, and ratings may change from year to year.

You can find a plan’s rating with the Medicare plan finding tool.

What does Kaiser Permanente Medicare Advantage cost?

Just under half (47%) of Kaiser Permanente’s Medicare Advantage plans are $0-premium plans in 2025^[0]

Even as a Medicare Advantage user, you’ll still be responsible for paying your Medicare Part B premium, which is $185 per month in 2025. However, some plans cover part or all of this cost^[0]

Requirements for copays, coinsurance and deductibles vary depending on your plan, location and the services you use. Other out-of-pocket costs to consider include:

• Whether the plan covers any part of your monthly Medicare Part B premium.

• The plan’s yearly deductibles and any other deductibles, such as a drug deductible.

• Copayments and/or coinsurance for each visit or service. For instance, there may be a $10 copay for seeing your primary doctor and a $45 copay for seeing a specialist.

• The plan’s in-network and out-of-network out-of-pocket maximums.

• Whether your medical providers are in-network or out-of-network, or how often you may go out of network for care.

• Whether you require extra benefits, and if the plan charges for them.

Here are examples of Kaiser Permanente Medicare Advantage costs for the most popular plans in a mid-range city:

To get a sense of costs, use Medicare’s website to compare information among available plans in your area. You can select by insurance carrier to see only Kaiser Permanente plans or compare across carriers.

Kaiser Permanente Medicare Advantage plan types

Kaiser Permanente offers mostly HMO Medicare Advantage plans, but also offers some PPO plans.

Plan availability may vary by county. Plan offerings may include the following types:

Third-party ratings

Fitch Ratings Insurer Financial Strength: AA- (very strong)

Fitch Ratings is a credit rating agency that assigns ratings based on its opinion of a company’s ability to meet financial commitments. In May 2024, Fitch Ratings affirmed an Insurer Financial Strength rating of AA- (very strong) for Kaiser Foundation Health Plan and its insurance company subsidiaries (KFHP collectively). Among other factors, Fitch Ratings called out KFHP’s favorable competitive positioning, unique operating model, and strong financial performance and earnings^[0]

J.D. Power Ranking

In its 2024 Medicare Advantage Study — the 10th it's done so far — J.D. Power measured member satisfaction with Medicare Advantage plans based on eight factors ranging from level of trust to how well a provider resolves problems or complaints. The study was fielded in the 10 biggest state Medicare markets. On these measures, Kaiser Permanente placed first of all providers in California (the only state in which Kaiser had enough market share to be considered)^[0]

NCQA Score Range: 4.5 to 5.0 out of 5

The National Committee for Quality Assurance rates health insurance plans on a 5-point scale (with 5 being best) based on quality of care, patient satisfaction and health plans’ efforts to keep improving.

In its September 2024 ratings of Kaiser Permanente plans, the NCQA awarded ratings of 4.5 stars to 5.0 stars to all Kaiser plans listed. Only one plan scored 5 stars: Kaiser Foundation Health Plan of Colorado^[0]

Kaiser Permanente Medicare Advantage service area

Kaiser Permanente offers Medicare Advantage plans in eight states and Washington, D.C. (Kaiser sells plans in California, Colorado, Georgia, Hawaii, Maryland, Oregon, Virginia and Washington state.)

More than 1.9 million Medicare beneficiaries are enrolled in Kaiser Permanente Medicare Advantage plans.

Customer service

Kaiser Permanente Medicare Advantage members can contact their plan’s customer service in a few ways:

• Call a customer service representative, available daily from 8 a.m. to 8 p.m. The phone number varies by location. Find yours by clicking on “Support Center” under “Member Support” at the bottom of your plan’s website.

• Chat with a member services representative after signing into your account.