Health plans comparison chart
This chart compares health plan benefits and estimated out-of-pocket costs for Independence Blue Cross in-network services – including doctor and hospital visits, specialty care, and prescription drugs. Deductible amounts shown are for individuals.
For more plan details, review each plan’s Summary of Benefits & Coverage — or use our guided shopping tool to get custom recommendations for the best health plan match, most affordable plan option, and what people like you tend to buy.
Click the + to expand that row for more details about the plan.
| Plan name | Deductible | Primary care physician visit | Specialist visit | Inpatient hospital | Generic prescription | |||||
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Keystone HMO Gold Proactive |
Tier 1: $0 |
Tier 1: $15 |
Tier 1: $40 |
Tier 1: $350/day1 |
$15 |
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Keystone HMO Gold |
$0 |
$35 |
$65 |
$750/day1 |
$15 |
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Keystone HMO Gold Classic |
$500 |
$40 no deductible |
$80 no deductible |
$20% after deductible |
$15 |
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Personal Choice® PPO Gold |
$0 |
$30 |
$65 |
$750/day1 |
$15 |
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Personal Choice® PPO Gold Classic |
$1,250 |
$50 no deductible |
20% after deductible |
20% after deductible |
$15 |
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Keystone HMO Silver Proactive |
Tier 1: $0 |
Tier 1: $40 |
Tier 1: $90 |
Tier 1: $600/day1 |
$25 no deductible ($500 Rx ded for all prescription drugs except generic) |
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Keystone HMO Silver Proactive Lite |
Tier 1: $2,000 |
Tier 1: $50 no deductible |
Tier 1: $90 no deductible |
Tier 1: Subject to deductible and $600/day1 |
$20 no deductible ($500 Rx ded for all prescription drugs except generic) |
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Keystone HMO Silver Proactive Select |
Tier 1: $0 |
Tier 1: $40 |
Tier 1: $90 |
Tier 1: $600/day1 |
$20 no deductible ($600 Rx ded for all prescription drugs except generic) |
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Keystone HMO Silver Proactive Basic |
Tier 1: $2,500 |
Tier 1: $50 no deductible |
Tier 1: $100 no deductible |
Tier 1: Subject to deductible and $600/day1 |
$20 no deductible ($500 Rx ded for all prescription drugs except generic) |
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Keystone HMO Silver Proactive Value |
Tier 1: $1,500 |
Tier 1: $40 no deductible |
Tier 1: $80 no deductible |
Tier 1: Subject to deductible and $600/day1 |
$20 no deductible ($500 Rx ded for all prescription drugs except generic) |
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Keystone HMO Silver Proactive Essential |
Tier 1: $5,000 |
Tier 1: $50 no deductible |
Tier 1: $100 no deductible |
Tier 1: Subject to deductible and $600/day1 |
$25 no deductible ($600 Rx ded for all prescription drugs except generic) |
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Keystone HMO Silver Classic |
$3,500 |
$35 no deductible |
$80 no deductible |
30% after deductible |
$20 no deductible (integrated with medical ded) |
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Keystone HMO Silver Basic |
$5,500 |
$35 no deductible |
$80 no deductible |
50% after deductible |
$20 no deductible (integrated with medical ded) |
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Personal Choice® PPO Silver |
$3,500 |
$30 no deductible |
$75 no deductible |
25% after deductible |
$20 no deductible (integrated with medical ded) |
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Keystone HMO Bronze |
$8,500 |
$75 no deductible |
$150 no deductible |
Subject to deductible and $700/day1 |
$25 no deductible (integrated with medical ded) |
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Personal Choice® PPO Bronze |
$6,000 |
$50 no deductible |
50% after deductible |
25% after deductible |
$25 no deductible (integrated with medical ded) |
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Personal Choice® EPO Bronze Reserve |
$7,450 |
0% after deductible |
0% after deductible |
0% after deductible |
0% after deductible (integrated with medical ded) |
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Personal Choice® EPO Bronze Basic |
$9,100 |
Visits 1-3: $20 no deductible |
0% after deductible |
0% after deductible |
$25 no deductible (integrated with medical ded) |
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Personal Choice® EPO Catastrophic |
$9,100 |
Visits 1-3: $50 no deductible |
0% after deductible |
0% after deductible |
0% after deductible (integrated with medical ded) |
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Legend
- = Most popular plans
HSA – This plan is compatible with a health savings account.
Low-cost Generics are available at an even lower cost than standard generics.
Mandatory Generics – If you get a brand name drug when a generic is available, you pay the difference in cost plus the brand name cost-sharing. Choosing generics saves you money.
Off-exchange only – Plan can only be purchased through Independence directly and is not available on Pennie.
On-exchange only – Plan is only available for purchase through Pennie.
Preferred Pharmacy Network means your coverage is available at more than 58,000 pharmacies.
Standard Pharmacy Network includes more than 68,000 pharmacies.
ded = Deductible
1 Amount shown reflects copay per day. There is a maximum of 5 copays per admission.