Kaiser Senior Advantage is a health maintenance organization with a network of health care providers, explains the University of California. The plan usually replaces a person's Medicare coverage.
Kaiser Senior Advantage has its insured choose a primary care physician from Kaiser's network, says the University of California. The primary care physician then coordinates the patient's care and refers the patient to specialists when medically necessary. This plan covers the cost of services only when the primary care physician authorizes it.
Kaiser Senior Advantage provides coverage for services outside of the Kaiser network in cases of emergencies only, so it's important that people are comfortable with out-of-network coverage only in emergency situations. They also provide coverage for behavioral health services, explains the University of California. Kaiser Senior Advantage is a good fit for people who are looking for lower out-of-pocket costs, or for those who like having only one doctor manage their health care.
Kaiser Senior Advantage is offered in California, Colorado, Georgia, Hawaii, Oregon and Washington, explains Kaiser Permanente. To learn more about the service, as of May 2015, customers can call Kaiser Permanente at (877) 852-5081 8 a.m. through 8 p.m. seven days a week and speak with a sales representative.