Independence Blue Cross Personal Choice PPO HSA 5000 Plan | Pennsylvania Health Insurance Coverage

The Independence Blue Cross Personal Choice PPO 5000 HSA plan is one of the most affordable health insurance policies in Southeastern Pennsylvania. Premiums are typically lower than comparable plans from other major carriers and the policy is eligible to be used with a Health Savings Account. We offer IBX plans at the lowest available rates. You can easily view and compare plan details by adding your zip code at the top of the page. There is no obligation to purchase any policy when you view rates.

An HSA (Health Savings Account) is a form of health care that allows you to pay for current and future qualified medical, dental and vision expenses with tax-deducible dollars. The HSA account works with a “High Deductible Health Plan” and you have complete control over the funds in your Pennsylvania HSA. Most companies will provide a debit card to conveniently pay for the expenses. I have had an HSA for many years and the debit card is a great free feature.

The Personal Choice plan covers all qualified preventive services at 100% without any waiting period or deductible. The most common preventive benefits are routine annual physicals, mammograms, pediatric immunizations, pap tests and routine gynecological exams. Six nutrition counseling visits are also included. A much broader list of benefits is available.

Once the deductible has been met, Independence Blue Cross pays 100% of covered expenses. This would include all primary care office visits, specialist office visits, inpatient and outpatient hospital services, emergency room charges, ambulance services medical equipment and MRIs. Whether the amount is $1,000 or $1o million, there is no cap on covered benefits.

Also covered at 100% after the deductible are generic formulary, brand formulary and non-formulary prescriptions. There is no maximum benefit and mail-order is available. Also, occupational therapy, physical therapy and spinal manipulations are all covered benefits, subject to limitations on visits.

Many expenses that are subject to the deductible receive a negotiated network discount which will lower out-of-pocket expenses. Lab fees and X-rays often receive very substantial discounts…often as much as 80%.

Sample Personal Choice PPO 5000 HSA Monthly Rates in the Philadelphia Area:

$111 40 Year-Old Male

$130 40 Year-Old Female

$384 40 Year-Old Male & Female Plus Two Children (Family Of Four)

For additional information regarding this plan or any other Pennsylvania Independence Blue Cross plans, please contact us. We’ll be happy to review your options and help with the application process. You can also apply online or receive a free quote at the top of the page.

View Independence Blue Cross Personal Choice PPO 5000 HSA Plan Details