Kaiser Permanente Medicare Advantage Liberty (HMO)

Plan year 2027 · Source: CMS · Checked October 29, 2026 Plan ID: H2172-005-0 · Sold by Kaiser Permanente

What this plan is

This is a Medicare Advantage plan sold as an HMO in the Washington, DC area, which means care stays inside the Kaiser network and you choose a main Kaiser doctor. Kaiser runs its own clinics and hospitals, and this plan uses Kaiser doctors and Kaiser sites for most care.

Read this part with care: this plan has no prescription drug coverage. Medicare's file lists it as a medical-only plan. If you join it, you need a drug plan from another source, or you may pay a late fee for drug coverage down the road. Do not drop a drug plan for this one by mistake.

The same plan name can appear under other Kaiser contracts in other areas, and those versions are different plans with their own costs. The numbers on this page belong to this contract only. See the Kaiser Permanente company page for its full list of plans, or all companies compared for the whole field.

Medicare rates this plan's contract 4.5 out of 5 stars overall for 2027, with 4.5 stars for health care.

What it costs

• Monthly premium for the medical part: $0. You still pay your Part B premium each month, just as you would with any Medicare Advantage plan.
• Yearly limit on in-network care: $5,900. Once your copays and coinsurance for Part A and Part B care reach this amount in a year, you pay nothing more for covered in-network care that year.
• Drugs: not covered by this plan, so there is no drug deductible and no drug tier list here.

A $0 premium does not mean $0 care, because copays for visits and hospital stays still add up across the year. The yearly limit above is the cap on the medical side of that cost.

Where it is sold

This plan is sold in 24 counties and city areas in the District of Columbia, Maryland, and Virginia, and the full list is in this page's data record. A plan with the same name under a different contract is a different plan with its own costs, even when the company name on the card looks the same.

Before you join

Before you join, check that you are glad to use Kaiser doctors and Kaiser sites for your care, and line up drug coverage from another source first. Care and Living Guide does not sell or enroll anyone in a plan, so to sign up or check your own case, use Medicare.gov, call 1-800-MEDICARE, or talk with a licensed insurance agent.

More detail about this plan

The full cost picture: this plan charges the Part C premium above and includes no drug coverage, so drug costs would sit in a separate Part D plan with its own premium, deductible, and yearly limit. Copays for visits and hospital stays sit on top of the premium, and the yearly limit above caps what you pay for covered in-network medical care.

Extra benefits: Medicare's Landscape file does not list this plan's dental, vision, hearing, fitness, over-the-counter, or transportation amounts. Those amounts live in the plan's Summary of Benefits and Evidence of Coverage, which Medicare.gov links from this plan's page. This page leaves the amounts blank until the CMS Plan Benefits Package files are loaded, rather than copying numbers from ads.

Drugs: this plan has no drug benefit and no formulary of its own. If you take prescription drugs, price a separate Part D plan before you join, because joining late can add a penalty.

Service area, county by county: DC: District of Columbia; MD: Anne Arundel, Baltimore, Baltimore City, Calvert, Carroll, Charles, Frederick, Harford, Howard, Montgomery, Prince George's; VA: Alexandria City, Arlington, Fairfax, Fairfax City, Falls Church City, Fredericksburg City, Loudoun, Manassas City, Manassas Park City, Prince William, Spotsylvania, Stafford.

You can join most Medicare Advantage plans for 2027 during the yearly enrollment period, October 15 to December 7, 2026. If you already have a Medicare Advantage plan, you can switch plans or go back to Original Medicare from January 1 to March 31. A move or another big life change can open a special window of its own. To join, use Medicare.gov, call 1-800-MEDICARE, or talk with a licensed insurance agent. Care and Living Guide does not sell or enroll anyone in a plan.

The plan's official phone number and website are listed on its Medicare.gov plan page, checked October 30, 2026. Detail sources for this section: Medicare.gov (Plan Finder, plan pages, enrollment guidance) and SSA.gov (enrollment periods). Those sources add context only. Every figure on this page still comes from CMS.

Care and Living Guide is not connected with or endorsed by the U.S. government or the federal Medicare program. For official information visit Medicare.gov or call 1-800-MEDICARE.