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 Platinum | $0 | $20 | $40 | $400/day1 | $10 | |||||
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Personal Choice® EPO Platinum | $0 | $15 | $50 | $300/day1 | $10 | |||||
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 Keystone HMO Gold Proactive | Tier 1: $0 | Tier 1: $15 | Tier 1: $40 | Tier 1: $350/day1 | $20 (all tiers) | |||||
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Keystone HMO Gold | $0 | $35 | $65 | $750/day1 | $15 | |||||
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Personal Choice® PPO Gold | $0 | $30 | $65 | $750/day1 | $15 | |||||
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Keystone HMO Silver Proactive | Tier 1: $0 | Tier 1: $40 | Tier 1: $80 | Tier 1: $500/day1 | $20 (all tiers) | |||||
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Keystone HMO Silver Proactive Lite | Tier 1: $2,000 | Tier 1: $50 no deductible | Tier 1: $100 no deductible | Tier 1: Subject to deductible and $600/day1 | $20 (all tiers) | |||||
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Keystone HMO Silver Proactive Select | Tier 1: $0 | Tier 1: $40 | Tier 1: $80 | Tier 1: $500/day1 | $20 (all tiers) | |||||
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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 $500/day1 | $20 (all tiers) | |||||
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Keystone HMO Silver | $2,500 | $35 no deductible | $70 no deductible | 30% after deductible | $15 no deductible (integrated with medical deductible) | |||||
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Personal Choice® PPO Silver | $2,500 | $30 no deductible | $70 no deductible | 25% after deductible2 | $15 no deductible (integrated with medical deductible) | |||||
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Personal Choice® EPO Silver Reserve | $2,700 | 30% after deductible | 30% after deductible | 30% after deductible | 30% after deductible (integrated with medical deductible) | |||||
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Keystone HMO Bronze | $7,400 | $50 no deductible | $100 no deductible | Subject to deductible and $700/day1 | $15 after deductible (integrated with medical deductible) | |||||
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Personal Choice® PPO Bronze | $5,500 | $50 no deductible | 50% after deductible | 25% after deductible3 | $15 after deductible (integrated with medical deductible) | |||||
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Personal Choice® EPO Bronze Reserve | $6,750 | 0% after deductible | 0% after deductible | 0% after deductible | 0% after deductible (integrated with medical deductible) | |||||
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Personal Choice® EPO Bronze Basic | $7,900 | Visits 1-3: $40 no deductible | 0% after deductible | 0% after deductible | 0% after deductible (integrated with medical deductible) | |||||
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Personal Choice® EPO Catastrophic | $7,900 | Visits 1-3: $50 no deductible | 0% after deductible | 0% after deductible | 0% after deductible (integrated with medical deductible) | |||||
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Legend
- = Most popular plans
FutureScripts Pharmacy network includes more than 68,000 pharmacies.
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 is not available for purchase through the Federal Health Insurance Marketplace.
On-exchange only – Plan is only available for purchase through the Federal Health Insurance Marketplace.
Preferred Pharmacy network means your coverage is available at more than 50,000 pharmacies.
1 Amount shown reflects copay per day. There is a maximum of 5 copays per admission.
2 For PPO Silver, inpatient maternity hospital services are subject to 30% coinsurance after deductible.
3 For PPO Bronze, inpatient maternity hospital services are subject to 50% coinsurance after deductible.