• Back to Your Plan Results

Overview

• Why Choose Blue?

• Consumerism

Plan Options

• Health Plans

• Keystone Health Plan East HMO
• Personal Choice^® PPO
• High Deductible Health Plans
• Keystone Point-of-Service (POS)
• Keystone Direct POS
• Independence Administrators Third-Party Administration Services
• Traditional Blue Cross^® and Blue Shield^® Plans
• Flex Copay Programs
• Flex Deductible Programs
• Keystone 65
• Personal Choice 65
• Select Advantage
• Security 65

• Supplemental Plans

• BlueSaver^SM HSA Solution
• BlueSaver^SM FSA
• BlueSaver^SM HRA
• Concordia Flex Dental Program
• Concordia Plus Dental Program
• Concordia Preferred Dental Program
• Concordia Choice Dental Program
• IBC Vision Program
• Life and Disability Coverages

• Prescription Plans

• Select Drug Program^®
• Standard Prescription Drug Program
• Deductible/Coinsurance Drug Program

High Deductible Health Plans

Group coverage for 100 or more employees

One High Deductible Health Plan (HDHP) platform, two cost-sharing menus, hundreds of choices!

With our Personal Choice^® PPO High Deductible Health Plan platform, you have the ultimate freedom to create a benefits plan that meets your needs and budget.

Using our two extensive product menus — the new Flex HDHP menu and the HSA-qualified HDHP menu — you can adjust cost-sharing amounts, pair with a BlueSaver^SM Health Account, and customize other benefit features to meet your price.

Choose to offer an FSA, HRA, or no savings account	Choose to offer an HSA
New Flex HDHP	HSA-qualified HDHP
Flexible design	IRS regulated design
14 deductible options	12 deductible options
14 out-of-pocket options	8 out-of-pocket options
Variable out-of-pocket maximum choices	Out-of-pocket maximum includes deductible, coinsurance, and copays
Embedded* deductible	Aggregate** deductible and out-of-pocket maximum
PPO Rider, Freestanding, and Integrated drug options	Integrated drug
Calendar or contract year benefit period	Calendar or contract year benefit period

View Details on our HDHP Platform

• Flex HDHP menu
• HSA-qualified HDHP menu
• Health Plan limitations and percertification requirements

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

* Embedded Deductible — Once one person meets the individual deductible amount, claims for that person are paid even though the full family deductible may not have been met.
** Aggregate Deductible — In order for the benefit payment to start, the entire family deductible must be met.