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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?”



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 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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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.