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How the Plan Works

Flex Deductible Programs

FOUR STEPS TO BUILDING YOUR FLEX DEDUCTIBLE PLAN

1. Choose a health plan

Our most popular and newest health plans are available: Keystone Health Plan East HMO, Keystone Direct POS, or Personal Choice^® PPO.

Your 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. You can 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. You can 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 access 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

These optional benefits round off your benefits package. Three prescription drug formulary options are offered through our Select Drug Program^®. View Select Drug Program options.

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