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Personal Choice® EPO plan

With a Personal Choice EPO plan from Independence Blue Cross, you can choose to see any doctor or visit any hospital in the Personal Choice network.

You’ll pay less when you choose doctors and hospitals in the Personal Choice network, and more if you choose to see doctors and hospitals out-of-network. You don’t need to get referrals, so you can see any specialist you want without needing permission from a primary care physician (PCP), or family doctor. You will also enjoy in-network coverage anywhere in the United States when you use providers who participate in the BlueCard® PPO network.

To learn more about EPOs, read “What is an Exclusive Provider Organization (EPO)?”

Couple Shops For A Personal Choice EPO Plan On Their Computer
Couple Shops For A Personal Choice EPO Plan On Their Computer

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Is a Personal Choice EPO plan right for you?

An Independence Blue Cross Personal Choice EPO health plan may be the best option for you and your family if:

  • You live in one of these five counties
  • You would like in-network coverage across the country through BlueCard PPO
  • You would like access to one of the largest networks of providers in the Philadelphia region
  • You want the freedom to see doctors and other health care specialists without a referral from a primary care physician

Personal Choice EPO plan options

Personal Choice EPO Bronze Basic
Deductible $9,100
Primary care physician visit Visits 1-3: $20 no deductible
Visits 4+: 0% after deductible
Specialist visit 0% after deductible
Inpatient hospital 0% after deductible
Generic prescription drugs $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.