Silver 70 HMO

Kaiser Permanente Silver 70 HMO is an individual and family health insurance plan listed in Kaiser Permanente’s official plan documents for eligible service areas. Silver plans generally balance monthly premiums with costs for covered healthcare services. The plan uses an HMO structure, so members generally receive routine care through participating providers and follow applicable referral and authorization rules. Covered benefits can include preventive care, outpatient visits, hospital services, prescription medicines, mental health care and maternity services, according to the selected policy. Deductibles, copayments, coinsurance, prescription benefits and annual out-of-pocket limits vary by local plan version.

Silver 70 HMO may suit people who want a middle-tier health plan and are comparing premiums against their expected use of covered medical services. The Silver metal tier has an average actuarial value of approximately 70% for covered essential health benefits across a standard population; this is not a guarantee that the plan pays 70% of every member’s bills. Eligible members may qualify for cost-sharing reductions when enrolling in an eligible Silver plan through the appropriate Marketplace and meeting applicable requirements. Such savings are not automatic and depend on eligibility and plan selection. Review the local Summary of Benefits and Coverage, provider network, prescription formulary and any available cost-sharing reduction versions before choosing.