Individual and family health plans
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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).

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Is a Keystone HMO plan right for you?

One of the Keystone HMO plans from Independence Blue Cross may be the best 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 Silver2 Keystone HMO Bronze2
Deductible $0 $2,750 $7,400
Primary care physician visit $35 $35 no deductible $75 no deductible
Specialist visit $65 $70 no deductible $150 no deductible
Inpatient hospital $750/day1 30% after deductible Subject to deductible and $700/day1
Generic prescription drugs $15 $15 no deductible (integrated with medical deductible) $25 no deductible (integrated with medical deductible)

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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 Amount shown reflects copay per day. There is a maximum of 5 copays per admission.

2 Keystone HMO Silver and Keystone HMO Bronze are not available for purchase through the Pennsylvania Insurance Exchange (Pennie) and must be purchased through Independence directly.