Pennsylvania Independence Blue Cross (IBX) has offered affordable high-quality health insurance plans to Pennsylvania residents for more than 60 years. IBX is the Philadelphia region’s largest health insurance company and serves the Philadelphia area and Southeastern Pennsylvania.
As Pennsylvania's premier trusted resource for affordable health care, we proudly represent Independent Blue Cross and offer IBX coverage at the lowest available rates. We'll take the time to review each plan and determine which policy best fits your budget and provides the coverage you need. You can easily apply for coverage online from this website. We are also happy to send or email you the application.
The two available types of Keystone HMO policies are “deductible” and “copay” plans. The Blue Cross “deductible” plans are the HMO $5,000, HMO $2,500 and HMO $1,500 plans. “Deductible” plans are the most affordable type of coverage, since the insured incurs a higher out-of-pocket expense on major claims. After the deductible, the insured is responsible for 30% of medical expenses, subject to maximum limits.
The Blue Cross “copay” plans are the HMO $20, HMO $15 and HMO $10. “Copay” plans are more expensive since there is no major deductible to meet. Instead of a deductible, a small ($100-$400) copay per day is charged. However, to reduce your expenses, there is a maximum of five copays per admission.
Both types of Pennsylvania Keystone HMO plans feature preventative services that are not subject to a deductible. Some of the covered services include mammograms (no referral required), pediatric immunizations, outpatient lab/pathology and routine gynecological exams. Routine eye care exams are also included (once every two years and subject to a copay).
Routine primary care and specialist office visits are covered with copays ranging from $10-$50. The “HMO Copay” plans will feature slightly lower copays than the “HMO Deductible” plans. Spinal manipulations and physical/occupational therapy are also covered expenses with copays starting as low as $20. Both HMO plans allow one routine eye care exam every two years.
Pennsylvania Independence Blue Cross Keystone HMO plans offer very comprehensive prescription coverage. However the “HMO deductible” plans do not require that you meet a deductible before using RX benefits. Copays range from $10 to $50. However, “HMO Copay” plans have deductibles ranging from $100 to $250 on each of their policies. Out-of-pocket expenses tend to be slightly less on non-generic prescriptions. Both types of plans have a yearly RX maximum of $2,500 per person and $5,000 per family.
Keystone HMO exclusions are typical for standard Pennsylvania health insurance plans and include services not medically necessary, treatment of substance abuse or mental illness, acupuncture, dental care, cosmetic services and private duty nursing. A complete list can be found in the “Benefits Summary.”
For additional information on any of the Independence Blue Cross Keystone HMO plans, please call us at (888) 513 6446. If you would like to instantly view, compare or apply for coverage, please click on the “Get Instant Quote” button at the top of the page. Your personal information is never shared with any other person or company.
