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Health plans to fit your needs and budget
Choose from our portfolio of standard health plans and innovative options
Health plan options
PPO
• Copay
• Deductible/Copay
• Health Savings Account (HSA) • Choice Advantage SoS
• Deductible/Coinsurance
POS
• Copay
• Deductible/Copay
• Choice Advantage SoS
DPOS
• Copay
• Deductible/Copay
Health plans with both in- and out-of-network coverage
We offer a wide variety of PPO, Direct Point-of-Service (DPOS), and POS plans, some of which are available at the same cost-sharing across each product type to give you a range of premiums.
No specialist referrals needed for the highest level of benefits
Virtual care benefits X
Personal Choice® PPO
Keystone Direct POS*
Keystone POS
X
X
X
X
X
X
X
X
X
X
X
Access to more than 60,000 in-network doctors
X Requirement to select a PCP X
Away from Home Care® for those temporarily living outside the coverage area
In-network benefits nationwide through BlueCard® PPO
X
Emergency and urgent care access worldwide X
*Members with a Direct POS plan need a referral from their PCP for certain services: Routine/complex X-rays, spinal manipulations, physical/occupational therapy, and acupuncture. Members should use the designated site selected by their PCP for the lowest out-of-pocket costs for lab work.
2023 Large Group Plans | Independence Blue Cross 18