Introducing Individual Personal Choice^® PPO Plans
Flexibility to receive health care

Our medically underwritten* Individual Personal Choice^® PPO plans give you the freedom and flexibility to receive care from doctors both in and out of network. You don’t have to pick a primary care physician and you never need a referral.

We now offer three different types of medically underwritten Individual Personal Choice PPO plans: copay plans, deductible plans, and HSA-qualified plans. These plans include coverage for:

• office visits
• preventive care
• prescription drugs
• hospital stays
• emergency/urgent care
• X-rays
• laboratory services

Click on a plan for more information.

• PPO 30 Copay
• PPO 2500 Deductible
• PPO 5000 Deductible
• PPO 3000 HSA-qualified
• PPO 5000 HSA-qualified

Differences between our Individual Personal Choice PPO and HMO plans

	Individual Personal Choice PPO	Individual HMO
Type of plan	Preferred Provider Organization (PPO)	Health Maintenance Organization (HMO)
Do I need to select a primary care physician (PCP)?	No. You don’t have to pick a primary care physician.	Yes. You choose an in-network primary care physician to coordinate your health care needs.
Can you visit specialists directly?	Yes. You may choose any doctor you want without needing a referral.	No. You need a referral from your primary care physician to see in-network specialists.
Am I covered while traveling?	Yes. You have in-network coverage across the country with BlueCard® PPO and anywhere in the world with BlueCard Worldwide®.	Yes. You have coverage for urgent and emergency care.
Do I have prescription drug coverage?	Yes	Yes
Do I have maternity coverage?	No	Yes
Do I have mental health, serious mental illness, and substance abuse coverage?	No	No
Is routine vision care covered?	No	Yes
Is an HSA account available?	Yes	No

HSA-qualified medical plans

With our new HSA-qualified medical plans, you can get affordability, value, preventive care, and a tax-free way to save and pay for health care expenses. You have comprehensive coverage with a higher deductible that saves you money by charging lower monthly rates. You can invest the money you save in a tax-free health savings account (HSA). Here are some examples on how having an HSA can help your save:

• You put tax-deductible dollars in your health savings account HSA; this reduces your taxable income so you pay less in taxes.
• You can withdraw money anytime for qualified health care expenses.
• You earn tax-free interest on the money in your account. Plus, your account comes with investment options when your balance reaches $2,500 or more. This allows your money to work even harder for you.
• You don’t lose the money in your account at the end of the year. It’s yours to spend, save, earn interest, and invest for the future.

The information set forth above is IBC’s understanding of HSA rules and is not intended to be used as a legal and/or tax advice. Please consult your legal or tax advisor for your particular situation.

* Coverage is dependent on medical underwriting. Approval is not guaranteed, and some applications may not be approved based on medical conditions.

† The Bancorp Bank of Wilmington, DE, is a federally qualified bank offering HSA trustee services. It is not affiliated with Independence Blue Cross.

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