1. Choose a health plan
Choose from Keystone Health Plan East HMO, Keystone Direct POS, or Personal Choice® PPO.
The copay for office visits, therapy, and diagnostic care is pre-selected: $20/$40 option – $20 for primary care/$40 for specialist care. View copay schedule.
2. Select a deductible for facility/ancillary care
The deductible applies to hospital services, outpatient surgery, and emergency room care. Select from four levels of coverage. View facility/ancillary deductible options.
3. Select the network coinsurance level for facility/ancillary care
The coinsurance applies to hospital services, outpatient surgery, and emergency room care. Select from two levels of coinsurance and out-of-pocket maximums. View network coinsurance options.
Keystone Direct POS and Personal Choice PPO plans allow members to obtain care out-of-network. All Flex Deductible plans use the same cost-sharing schedule for out-of-network benefits. View cost-sharing schedule.
4. Select prescription drug, dental, vision, and life benefits
Five prescription drug formulary options are offered through our Select Drug Program®. View Select Drug Program options.
