Large business

Medical plansFor large businesses

Because no two businesses are alike, we offer flexible benefit solutions, with best-in-class capabilities and dedicated customer service to fit your unique needs.

No matter which plans you offer, your employees have access to the largest network of doctors and hospitals nationwide — and easy-to-use tools and well-being programs that empower them to make informed decisions and take more control of their health care.

Download our 2023 Large Business Benefits brochure for complete details.

Keystone HMO plans

HMO plans are designed to help your employees save money. A participating primary care physician (PCP) coordinates all of their care and refers them to in-network specialists. Emergency and urgent care coverage is also available outside the U.S.

Keystone Point-of-Service (POS) and Direct POS plans

POS and Direct POS plans provide both in- and out-of-network coverage. With a POS plan, members get the highest level of benefits by asking their PCP for a referral to specialists in network. With Direct POS, referrals are only needed for laboratory services,1 routine radiology and diagnostic services, physical/occupational therapy, spinal manipulation, and acupuncture.

Coverage for employees who are temporarily outside of the service area is also available through the Away From Home Care® program.

Personal Choice® PPO plans

PPO plans offer your employees the flexibility to choose in-network or out-of-network providers without a referral. The choice is always theirs to make. Higher out-of-pocket costs may apply for out-of-network care.

High-deductible health plans (HDHPs)

Our HDHPs are PPO plans that help give your employees more control over planning and paying for qualified health care expenses. HDHPs can be paired with either a tax-advantaged health savings account (HSA) or health reimbursement account (HRA) Both offer you easy, integrated account maintenance and online reporting at

Choice Advantage plans

Choice Advantage plans include Site of Service benefits to help members save on out-of-pocket costs based on where they receive care. Members have the choice to save hundreds of dollars in some cases.

For example, members can save on outpatient surgery by choosing an ambulatory surgery center instead of a hospital, or they can save by choosing LabCorp® instead of getting bloodwork at a hospital.

Personal Choice PPO tiered network plans

PPO tiered network plans give members the option to save on hospital and outpatient surgery services. Acute care hospitals and facility providers are grouped into two in-network tiers, based on cost and quality measures. Members pay less when they use Tier 1 providers and more when they choose Tier 2 providers.

Group Medicare plans

Let us help take the work out of transitioning your employees into a healthy retirement with group, individual, and exchange options. “Retire with Independence” (RWI) is a comprehensive educational and transition service that provides a customized program based on your company's needs. RWI helps ensure a positive experience for your employees as they retire while helping them understand their choices and choose a health plan that fits their lifestyle and budget.

1 A lab requisition form or referral from the PCP is required.