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Personal Choice® PPO plans

With Personal Choice Preferred Provider Organization insurance – PPO – 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 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?

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

  • You live within one of these five counties
  • You want health coverage for both in-network and out-of-network providers
  • You would like in-network coverage across the country through BlueCard PPO
  • You want the flexibility to pay less for medical costs when you choose in-network providers
  • 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

How Personal Choice PPO plans work

Personal Choice PPO plan options

Personal Choice PPO Gold Personal Choice PPO Gold Classic2 Personal Choice PPO Silver Personal Choice PPO Bronze
Deductible $0 $1,250 $3,500 $6,000
Primary care physician visit $30 $50 no deductible $30 no deductible $50 no deductible
Specialist visit $65 20% after deductible $75 no deductible 50% after deductible
Inpatient hospital $750/day1 20% after deductible 25% after deductible 25% after deductible
Generic prescription drugs $15 $15 $20 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 PPO Gold Classic is only available for purchase through the Pennsylvania Insurance Exchange (Pennie).