Pennsylvania Keystone Health Plan East HMO – Independence Blue Cross

Keystone Health Plan East HMO health insurance coverage is offered by Independence Blue Cross. We help you understand the benefits of each plan and easily apply for private coverage. The policy offers comprehensive medical benefits through a selected Network of doctors and hospitals. We will advise you which plan provides the help that is most important to you and at the lowest possible premium. Both catastrophic and comprehensive options are available. Also offered are options to supplement Medicare and guaranteed issue contracts for applicants that may not be able to qualify medically for coverage.

There are seven different individual Keystone HMO plans, including four copay and three deductible plans. The HMO deductible plans feature premiums as low as $76 per month since there is a deductible to meet for major medical claims. The HMO Copay plans also offer premiums as low as $111 per month with no deductible  for catastrophic claims. Rates will vary, depending on your age and existing medical conditions. To keep premiums affordable, you can consider a higher deductible on the catastrophic portion of your policy. However, that does raise your potential out of pocket risk.

When the Pa Health Exchange is available (Open Enrollment starts in October 2014), you may become eligible for a federal tax subsidy. Also, you will not have to provide any medical information. Prices will reduce for some applicants, but not everyone. Our quote engine will automatically calculate your premium. And remember…Keystone is NCQA accredited and no referrals are needed for an OBGYN maternity or regular visit.

All seven plans include preventive benefits that are 100% covered without a waiting period. Some of the specific  Health Plan East HMO preventive coverages are mammograms, pediatric immunizations, nutrition counseling and outpatient lab/pathology. Birth control pills, annual OB/GYN exams and coverage for routine eye exams and eyeglasses or contacts are also included. Dental benefits are optional. We have made it easy for you to view rates on this page by using the form at the top of the page. Within minutes, you can compare the most recommended choices.

kids1 150x150 Pennsylvania Keystone Health Plan East HMO   Independence Blue Cross

Keystone Covers Adults And Kids


Additional  coverages include doctor’s office visits, hospital care, newborn and maternity care, emergency coverage, outpatient services, prescription medications and skilled nursing facility care. Some of these benefits may be subject to a deductible or copay. You can also view our Pennsylvania Keystone Benefit Summary. We’ll be happy to review any portion of the benefits with you. If maternity coverage is not needed, a PPO plan will save you money. However, after 2014, maternity must be included on all policies.

The “Healthy Lifestyles” program provides a 35% discount on selected alternative health services such as massage therapy and acupuncture. This program includes reimbursements and incentives that can help to assist you in leading a healthier life. Up to $150 of your fitness center fees are eligible for reimbursement. And you can use this feature every year. Since it’s a bit like “free money, we highly encourage you to take advantage of the offers.

More than 50,000 doctors and 100 hospitals ensure that you’ll always have a wide selection of providers to choose from. Whether you need a family physician, a specialist or a prenatal doctor, you won’t have to go far for the best treatment in the area. Claims are handled very quickly and efficiently and most doctors and hospitals enjoy working with the company. If you’re a student and you need to travel, you will retain some benefits.

IBX policies are medically underwritten, so it is possible that some applications may not be approved based on current or past conditions. Rates and approval are based on health status. Pre-existing conditions, illness or injury where medical advice or treatment was recommended or treated within the 90-day period prior to the effective date are excluded for the first 12 months. However, if a policy is approved, a pre-existing condition clause (if applicable) would not impact other unrelated treatment.

Naturally, not every condition is covered. For example, unnecessary medical procedures, acupuncture, contraceptive devices (this changes in 2014), cosmetic supplies and hearing aids are not expenses that will be reimbursed. A complete list is available from the policy contract. There are no surprises when you examine the list.

Helpful Links:

Benefit Summary

Application For Coverage   (The completed application can be faxed to (888) 513 6446.  If you would like to send it in the mail, please call us at (888) 513 6446 and we’ll provide the correct address.

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Posted on: 12 Comments

12 Responses

  1. Rick Miller says:

    Thank you very much for the information great post, found it on Yahoo. I’m considering Aetna for my policy.

  2. Sandy says:

    I like the IBX HMO plan. I want low out of pocket costs so I picked that one. I applied on your website so let me know how long it will take.

  3. Manny R says:

    I love the Keystone plans. The HMO has worked well for us, with the maternity coverage.

  4. Anthony says:

    I think I want to try first the HMO plan then probably Aetna.

  5. John D. says:

    Great Keystone Insurance information! Thanks.

  6. Dennis Austin says:

    Great blog. I never read the same information before. This article is very useful since I’m not from Pa and am not familiar with local options.

  7. Andy says:

    Great information. I’m applying for a copay plan and hopefully will get coverage within 2-3 weeks. I will fax application to the fax number. Thanks for your help explaining the coverages.

    Andy

  8. JG says:

    Keystone is trustworthy and that’s why I applied with them through your site. I have never had a problem with them.

  9. Robert Kern says:

    Keystone HMO covers maternity coverage which I did not realize. Glad to see that.

  10. Omar Tuten says:

    It looks like the HMOs cover maternity. I was just curious if there was a waiting period. I’ll email.

  11. Ryan Noble says:

    It appears the PPO options are a pretty good savings. I know I might pay more for a hospital visit but I’ll take that chance.

  12. Maryanne Zimmerman says:

    I just applied for one of the IBX plans. The PPO rates were a little lower than Aetna so that’s who I went with. Hope to get ID cards soon. Thank you for your help. Prices look terrific.