Understanding Kaiser's Closed Panel: What You Need to Know

A closed panel program means the healthcare plan only uses certain providers, facilities and services. Kaiser Medical Plan is a closed panel program, which means that it only covers services provided by Kaiser doctors, hospitals, and clinics. This can be a cost-effective way to provide health insurance, as Kaiser can negotiate lower rates with its providers. However, it can also limit your choice of providers and may make it more difficult to get certain types of care.