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Personal Choice® EPO plan

With a Personal Choice EPO plan from Independence Blue Cross, you can choose any in-network doctor or hospital. You also have in-network coverage across the U.S. through BlueCard® PPO, which offers the largest network of doctors and hospitals in the country.

You aren’t required to choose a primary care physician (PCP) or get referrals, so you can see any in-network specialist without needing permission from your PCP.

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
  • Would like access to the largest network of doctors and hospitals in the Philadelphia region
  • Want in-network coverage across the country through BlueCard PPO
  • Want the freedom to see doctors and other health care specialists without a referral from a primary care physician (PCP)

Personal Choice EPO plan options

Personal Choice EPO Bronze Classic Personal Choice EPO Bronze Basic
Deductible $4,200 $9,450
Primary care physician visit $65 no deductible Visits 1-3: $20 no deductible
Visits 4+: 0% after deductible
Specialist visit $65 no deductible 0% after deductible
Inpatient hospital 50% after deductible 0% after deductible
Generic prescription drugs 50% after 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.