Keystone Health Plan East HMO plans
With a Keystone HMO plan from Independence Blue Cross, you can see any doctor or visit any hospital in the Keystone Health Plan East network. You pick a primary care physician (PCP), or family doctor, to coordinate your care. Your PCP will treat you for general health needs and refer you to specialists as needed. With a Keystone HMO plan, you will not be covered for care that you receive from doctors or hospitals outside the Keystone Health Plan East network (except for emergency services).
To learn more about HMOs, read the article “What is a Health Maintenance Organization (HMO)?”
Is a Keystone HMO plan right for you?
One of the Keystone HMO plans from Independence Blue Cross may be the best Pennsylvania health insurance option for you and your family if:
- You live within one of these five counties
- You want to save money by selecting health care providers in the Independence Keystone Health Plan East network
- You have or are willing to designate a primary care physician to coordinate all of your healthcare and provide referrals for specialty care
How Keystone HMO plans work
Keystone HMO plan options
| Keystone HMO Gold | Keystone HMO Gold Classic1 | Keystone HMO Silver Classic | Keystone HMO Silver Basic1 | Keystone HMO Bronze | |
|---|---|---|---|---|---|
| Deductible | $0 | $500 | $3,500 | $5,500 | $8,500 |
| Primary care physician visit | $35 | $40 no deductible | $35 no deductible | $35 no deductible | $75 no deductible |
| Specialist visit | $65 | $80 no deductible | $80 no deductible | $80 no deductible | $150 no deductible |
| Inpatient hospital | $750/day2 | 20% after deductible | 30% after deductible | 50% after deductible | Subject to deductible and $700/day2 |
| Generic prescription drugs | $15 | $15 | $20 no deductible (integrated with medical deductible) | $20 no deductible (integrated with medical deductible) | $25 no deductible (integrated with medical deductible) |
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Resources
- Find out which health providers are available in these plans.
- Still have questions about the Keystone HMO health plans? Call a licensed agent to learn more about your health options at 1-888-475-6206 (TTY:711).
- Learn the differences between an HMO plan and a PPO plan.
- Ready to enroll? Apply now.
Additional information
Review important information to get a better understanding of our individual and family health insurance policies and guidelines and the steps Independence Blue Cross takes to help you receive appropriate covered services.
1 HMO Gold Classic and HMO Silver Basic are only available for purchase through the Pennsylvania Insurance Exchange (Pennie).
2 Amount shown reflects copay per day. There is a maximum of 5 copays per admission.