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
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

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