Kaiser Permanente has a strategic alliance with AvMed Health Plan, who serve Florida. In any case, Kaiser will cover you, BUT,
If you go to any doctor in Florida, you will have to pay a greater share of the cost, including an annual deductible and higher coinsurance, as you will be using out-of-network care.
When members receive out-of-network care from community providers, they may visit any qualified doctor, allied health professional, or hospital covered under the service agreement. However, members will pay a greater share of the cost, including an annual deductible and higher coinsurance, than they would pay when using in-network care or with the preferred provider organization (PPO) option.

If the provider does not bill, members must file claims for reimbursement and may be charged for any difference between the billed cost and the "usual and customary" cost of treatment. Members must also receive prior authorization review (PAR) for most services.

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