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Personal Choice® EPO Catastrophic plan

A catastrophic insurance plan is for individuals under 30 and those with an extreme financial hardship. Catastrophic coverage protects you from the costs of worst-case scenarios, providing coverage for hospitalization or serious illnesses.

Woman Shops For A Personal Choice EPO Catastrophic Plan On Her Computer
Woman Shops For A Personal Choice EPO Catastrophic Plan On Her Computer

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Is a catastrophic health plan the best option for you?

A catastrophic health insurance plan from Independence Blue Cross may be the best option if:

  • You live in one of these five counties
  • You’re under the age of 30
  • You qualify for an exemption due to extreme financial hardship
  • You’re young and healthy and need health coverage for “just-in-case” situations
  • You qualify and you’re willing to pay a higher deductible for lower monthly payments

Learn more about EPOs.

Personal Choice EPO Catastrophic — at a glance

Personal Choice EPO Catastrophic
Deductible $9,450
Primary care physician visit Visits 1-3: $50 no deductible
Visits 4+: 0% after deductible
Specialist visit 0% after deductible
Inpatient hospital 0% after deductible
Generic prescription drugs 0% after deductible (Integrated with Medical deductible)
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Like all Independence Blue Cross health plans, the catastrophic health insurance plan1 includes the 10 Essential Health Benefits. Individuals will have to reach a deductible of $9,450 before they receive benefits for covered health care services, while families will need to reach a deductible of $18,900 before they receive benefits. If you select a catastrophic plan, you will get three primary care physician office visits each year that are not subject to these deductible amounts.


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 The Personal Choice Catastrophic plan does not have out-of-network coverage, except for emergency care services.