Overview
At Kaiser Permanente, we believe that there’s no better choice than choosing good health. That’s why we provide your employees with a health plan that gives them the tools they need to get healthy and stay healthy. Employees also have the flexibility they need and the choice of doctors they want.
Like three plans rolled into one, Added Choice offers four provider options for employees to receive care. Members can move among the four provider options at any time, so they can always make the best decisions for their health and their wallets.
- Kaiser Permanente provider option: In-network care from Kaiser Permanente’s high quality integrated healthcare delivery system. This option provides the most coordinated care with the lowest out-of-pocket costs. Choose from over 600 Kaiser Permanente providers at more than 20 facilities on Oahu, Maui, Hawaii Island and Kauai plus over 24,000 Kaiser Permanente providers and more than 600 facilities on the continental US.
- Contracted Provider Options:
Contracted provider option in Kaiser Permanente States (CA, CO, GA, HI, MD, VA, WA, and DC.): With the Contracted Provider option, members have access to more than 3,000 Kaiser Permanente Insurance Company (KPIC) contracted providers and 160 contracted hospitals and care facilities in Hawaii1. Additionally, the PHCS Network provides access to more than 4,000 providers and 180 contracted facilities in Hawaii and more than 239,000 contracted providers and 20,000 contracted facilities in other Kaiser Permanente States2. Be sure to check if your provider is a contracted provider prior to receiving services.
Contracted provider option in non-Kaiser Permanente States: Members have access to Cigna HealthcareSM PPO Network options in non-Kaiser Permanente states (outside of CA, CO, GA, HI, MD, OR, VA, WA and DC) for medical care3.
- Non-contracted provider option: Members have access to any licensed provider who is not a Kaiser Permanente provider or contracted provider.
Deductibles, coinsurance and copays for options.
| Plan | Kaiser Permanente provider option | Contracted provider Option | Non-contracted provider option |
|---|---|---|---|
| Added Choice | No deductible. Most services are covered at a copay. | Some services are subject to a deductible, then copay or coinsurance. Certain services are covered before the deductible at a copay. | Most services are subject to a deductible, and then coinsurance. |
1 Contracted providers, hospitals and care facilities in Hawaii as of 2025. Contracted providers include other Hawaii providers directly contracted by Kaiser Permanente of Hawaii.
2 For the Contracted Provider Network, Kaiser Permanente Insurance Company (KPIC) has contracted with PHCS, Inc a subsidiary of MultiPlan, Inc. The list of contracted PHCS Network providers is subject to change without notice.
3 Disclaimer: The Cigna HealthcareSM PPO Network refers to providers (doctors, hospitals, specialists) contracted as part of the Cigna PPO for Shared Administration.Cigna HealthcareSM is an independent company and not affiliated with Kaiser Foundation Health Plan, Inc., and its subsidiary health plans. Access to the Cigna Healthcare PPO Network is available through Cigna Healthcare’s contractual relationship with the Kaiser Permanente health plans. The Cigna Healthcare PPO Network is provided exclusively by or through operating subsidiaries of The Cigna Group, including Cigna Health and Life Insurance Company. The Cigna Healthcare name, logo, and other marks are owned by Cigna Intellectual Property, Inc.