Individual and family health plans
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Personal Choice® PPO plans

With a Personal Choice Preferred Provider Organization (PPO), you have the freedom to see providers both in- and out-of-network. You’ll pay less when you choose in-network doctors and hospitals and more if you choose to see out-of-network doctors and hospitals. Referrals are not required, so you can visit any specialist. 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.

To learn more about PPOs, check out “What is a PPO?”

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

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Is a Personal Choice PPO plan right for you?

A Personal Choice PPO health plan from Independence Blue Cross may be the best option for you and your family if you:

  • Live within one of these five counties
  • Want health coverage for both in-network and out-of-network providers
  • Would like in-network coverage across the country through BlueCard PPO
  • Want the flexibility to pay less for medical costs when you choose in-network providers
  • Would like access to one of the largest networks of providers in the Philadelphia region
  • Want the freedom to see doctors and other health care specialists without a referral from a primary care physician

How Personal Choice PPO plans work

Personal Choice PPO plan options

Personal Choice PPO Gold Personal Choice PPO Gold Classic1 Personal Choice PPO Gold Preferred Personal Choice PPO Silver Classic1 Personal Choice PPO Bronze
Deductible $0 $1,250 $0 $3,500 $6,000
Primary care physician visit $30 20% no deductible $15 $30 no deductible 50% no deductible
Specialist visit $65 20% after deductible $15 $75 no deductible 50% after deductible
Inpatient hospital $750/day2 20% after deductible $500/day2 25% after deductible 25% after deductible
Generic prescription drugs $15 $15 $15 $20 no deductible (Integrated with Medical deductible) $35 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 PPO Gold Classic and PPO Silver Classic 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.