Personal Choice® PPO plans
With Independence Blue Cross (IBX) Personal Choice PPO (Preferred Provider Organization) plans, you have the flexibility to see both in-network and out-of-network providers. A PPO health plan allows you to save money by choosing in-network doctors and hospitals while still giving you the option to see out-of-network providers at a higher cost. Unlike some other plans, referrals are not required, allowing you to visit any specialist. Plus, with in-network coverage across the U.S. through the BlueCard® PPO network, you'll have access to one of the largest networks of doctors and hospitals in the country.
To learn more about PPOs, check out “What is a PPO?”
Is a Personal Choice PPO plan right for you?
An IBX Personal Choice PPO health plan could be the ideal choice for you and your family if you:
- Live in one of these five Pennsylvania counties: Bucks, Chester, Delaware, Montgomery, or Philadelphia
- Need health coverage that includes both in-network and out-of-network providers
- Want nationwide in-network access through the BlueCard® PPO network, the largest provider network in the country
- Value the flexibility to save on medical costs by choosing in-network providers
- Prefer access to one of the largest networks of doctors and hospitals in the Philadelphia area
- Want the freedom to see doctors and other providers without needing a referral from a primary care physician
How Personal Choice PPO plans work
Personal Choice PPO plans offer flexibility with coverage for both in- and out-of-network providers, though in-network care costs less. They include nationwide access via the BlueCard PPO network and don't require referrals or a primary care physician. Ideal for those seeking comprehensive and convenient health care options.
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 Silver Basic2 | Personal Choice PPO Bronze | |
|---|---|---|---|---|---|---|
| Deductible | $0 | $1,250 | $0 | $3,500 | $4,000 | $6,000 |
| Primary care physician visit | $30 | 20% no deductible | $15 | $30 no deductible | $35 no deductible | 50% no deductible |
| Specialist visit | $65 | 20% after deductible | $15 | $75 no deductible | $80 no deductible | 50% after deductible |
| Inpatient hospital | $750/day3 | 20% after deductible | $500/day3 | 25% after deductible | 25% after deductible | 25% after deductible |
| Low-cost generic prescription drugs | $3 | $3 | $3 | $3 no deductible (Integrated with Medical deductible) | $3 no deductible (Integrated with Medical deductible) | $5 no deductible (Integrated with Medical deductible) |
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Resources
- Find out which health providers are available in these plans.
- Still have questions about the Personal Choice PPO health plans? Call a licensed agent to learn more about your health options at 1-888-475-6206 (TTY:711).
- Learn the differences between an HMO plan and a PPO plan.
- Ready to enroll? Apply now.
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 PPO Silver Basic is not offered on the Pennsylvania Insurance Exchange (Pennie) and must be purchased through Independence Blue Cross directly.
3 Amount shown reflects copay per day. There is a maximum of 5 copays per admission.