Home Find a Health Insurance Plan Find a Health Care Provider For Members For Employers For Health Care Providers
IBC. We're here for you every step of the way.

Flex Deductible Programs

Build a benefit plan that fits your needs

Flex Programs allow you to mix and match different levels of member cost-sharing to reach a price point that balances the benefit needs of your employees with your budget. Our most popular plans, including Keystone Health Plan East, Keystone Direct POS, and Personal Choice®, are available through our Flex Deductible Series plan options.

The Flex Deductible Programs provide even greater savings by maintaining the use of copays for outpatient services (such as office visits), but relying on deductibles and coinsurance for facility and ancillary visits (such as hospital stays).

About Flex Deductible Programs

PDF icon Small Business Product Portfolio

Contact Us

If you are an existing customer, contact your broker or call 215-241-3400.

If you are not currently an IBC customer, please complete an online information request, or call:

  • 215-241-0133 — Groups with 100–999 benefit-eligible employees
  • 610-238-6572 — Groups with 1,000+ benefit-eligible employees

Request Product Info

For specific information on benefits, limitations, and exclusions, please refer to the applicable benefits materials.

Consumerism

Our Consumerism products are coverage alternatives that can lower premiums and more actively engage members in health care decisions.

Find out more.