Pennsylvania Independence Blue Cross (IBX) has offered affordable high-quality health insurance plans to Pennsylvania residents for more than 60 years. IBX is the region’s biggest health insurance company and serves the Philadelphia area and Southeastern Pennsylvania. Independence Blue Cross health insurance quotes are easily found on this website along with details of coverages.
As Pennsylvania's top resource for affordable health care, we proudly represent Independent Blue Cross and offer coverage at the lowest available rates. We'll spend time to review each policy and determine which one best 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 policy-owner incurs a higher out-of-pocket expense on expensive 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. This plan is one of the most popular policies in the state.
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 gyn exams. Routine eye exams are also included (one 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.”
There are also five different individual PPO (Personal Choice) plans. Two of the options are Health Savings Account (HSA) plans that offer either a $5,000 or $3,000 deductible option. The coinsurance is a low 0% and 20% respectively, and these plans are ideal for persons that are self-employed and/or looking for options to pay for health care with tax-free dollars.
Three additional PPO plans (PPO $5000 Deductible, PPO $2,500 Deductible & PPO $30 Copay) are also available. Each of the plans features a $30 copay for office visits and a $50 copay for specialist visits. Preventive benefits, prescription coverage and major medical coverage are all included.
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 view your options before or instead of calling, please click on the “Get Instant Quote” button at the top of this page.
If you would like to print the application, simply click on the link below and fax back to (888) 513 6446.