Compare health insurance quotes.

Find affordable health insurance and apply online.

Find Plans Now

KP CO Gold 0/25 RX Copay
Plan Summary
Plan Type HMO
Office Visit for Primary Doctor
Find Doctors 		$25 Copay
Office Visit for Specialist $60 Copay
Office Visit for Other Practitioner (Nurse, Physician Assistant) $60 Copay
Annual Deductible None
Separate Prescription Drugs Deductible $0 per person | $0 per group
Coinsurance 40%
Retail Prescription Drugs Generic Drugs: $15 Copay;
Preferred Brand Drugs: $50 Copay;
Non-Preferred Brand Drugs: $375 Copay;
Specialty Drugs: $625 Copay;
Annual Out-of-Pocket Limit Individual: $7,500
Lifetime Maximum Unlimited
Health Savings Account (HSA) Eligible No
Out-of-Network Coverage Emergency Care Only 
Out-of-Country Coverage Yes. Emergency Services 
Office Visit
Primary Care Physician Required Yes
Specialist Referrals Required No
Preventive Care Coverage
Periodic Health Exam No Charge
Periodic OB-GYN Exam No Charge
Well Baby Care No Charge
Emergency and Urgent Care
Emergency Room $750 Copay
Emergency Ambulance Services 40% Coinsurance
Urgent Care Facility $75 Copay
Prescription Drug Coverage
Retail Prescription Drugs Generic Drugs: $15 Copay;
Preferred Brand Drugs: $50 Copay;
Non-Preferred Brand Drugs: $375 Copay;
Specialty Drugs: $625 Copay;
Separate Prescription Drugs Deductible $0 per person | $0 per group
Mail Order Prescription Drugs N/A
Mail Order Supply N/A
Outpatient Coverage
Outpatient Surgery Outpatient Surgery Physician/Surgical Services:
40% Coinsurance
Outpatient Facility Fee:
40% Coinsurance
Outpatient Lab/X-Ray Outpatient Lab:
40% Coinsurance
X-rays:
40% Coinsurance
Imaging (CT and PET scans, MRIs) $500 Copay
Outpatient Mental Health $25 Copay
Outpatient Substance Abuse $25 Copay
Outpatient Rehabilitation Services (PT, OT, ST) $60 Copay, limited to 60 Visit(s) per Year
Inpatient Coverage
Hospitalization Inpatient Hospital Services:
40% Coinsurance
Inpatient Physician and Surgical Services:
40% Coinsurance
Skilled Nursing Facility 40% Coinsurance, limited to 100 Days per Year
Inpatient Mental Health 40% Coinsurance
Inpatient Substance Abuse 40% Coinsurance
Home Healthcare No Charge, limited to 28 Hours per Week
Maternity Coverage
Pre & Postnatal Office Visit 40% Coinsurance
Labor & Delivery Hospital Stay 40% Coinsurance
Pediatric Services
Dental Checkup for Children 0% Coinsurance after deductible, limited to 2 Visit(s) per Year
Vision Screening for Children $25 Copay
Eye Glasses for Children 50% Coinsurance, limited to 1 Item(s) per 2 Years
Major Dental Coverage (Pediatric) 50% Coinsurance after deductible, limited to 1 Procedure(s) per Year
Additional Coverage
Chiropractic Coverage $40 Copay, limited to 20 Visit(s) per Year
Durable Medical Equipment 40% Coinsurance
Hospice No Charge
Major Dental Coverage (Adult) Not Covered
Vision Coverage (Adult) Not Covered
Out-of-Network Coverage
Out-of-Network Authorization Required N/A
Out-of-Network Annual Deductible N/A
Out-of-Network Annual Coinsurance N/A
Out-of-Network Annual Out-of-Pocket Limit N/A
Additional Information
A.M. Best Rating N/A as of 06/12/2025
Electronic Signature for Application Available Yes
Details and documents about this plan
View Plan Brochure Exclusions and Limitations

Important notices and disclaimers

  • The information shown here is a summary of benefits for informational purposes only. Review the official plan documents (such as evidence of coverage, plan brochure, or insurance policy) for a detailed description of coverage benefits, limitations, and exclusions. Only the terms and conditions of coverage benefits listed in the policy are binding.
  • The benefits listed may be contingent on your use of physicians, hospitals, and services within the specific insurance company's provider network.
  • The Copayment, Deductible, and Coinsurance amounts are your share of the costs for covered benefits. These amounts are subject to change.
  • Each insurance carrier may have unique Notices, Disclaimers, and Fees. Please check below for information regarding the plans and carriers you selected.
  • The quotes or rates shown above are estimates only. Your premium is subject to change based on the optional benefits you selected, if any, and other relevant factors, such as changes in rates that take effect before your coverage start date. The insurance company always determines your actual premium. Insurance companies reserve the right to change the terms of a policy upon proper notification.
  • The Summary of Benefits & Coverage can be found at healthcare.gov. A paper copy of this Summary of Benefits & Coverage is available upon request by calling our toll free number. Click here to view the Uniform Glossary of Coverage and Medical Terms.

Carrier specific notices, disclaimers and fees

  • - Our standard compensation is $18 per member per month plus a potential bonus. To learn more, visit kp.org/brokercompensation. This compensation does not change the price of your plan.