Kaiser Permanente is a one-stop model Health Maintenance Organization (HMO) where most services are provided at one location - office visits, urgent care, x-rays, diagnostic tests, pharmacy and a vision center for eyeglasses and contact lenses. This plan offers the lowest total cost per month. You will pay 15% of the premium and MNCPPC will pay 85% of the premium. Along with medical coverage, prescription coverage also comes with the plan. With the Kaiser plan, you will no longer need to enroll in the Caremark plan in order to have coverage for prescriptions.