Pennsylvania Medicare plans
Independence Blue Cross (IBX) offers several Medicare plans in Pennsylvania. It’s easy to find the one that works for you. To enroll in a Medicare Advantage plan please select a method below.
Jump to:
Enroll online
PA Medicare Advantage plans
IBX Pennsylvania Medicare Advantage plans include all the benefits of Medicare Parts A and B plans — plus valuable extras like vision, dental, and hearing coverage. Learn all about our Keystone 65 HMO and Personal Choice 65SM PPO Medicare Advantage plans. You can also view the Multi-Language Insert, Summary of Benefits, Star Ratings, enrollment instructions, and download or print an enrollment form.
For IBX plans with effective dates on 11/1/2025 and 12/1/2025: Shop and enroll.
Enroll by mail
Medicare Advantage plans
You can enroll in either our Keystone 65 HMO or Personal Choice 65 PPO Medicare Advantage plans by reviewing the enrollment instructions and downloading and completing the application below.
2026 Keystone 65 HMO
- Enrollment Instructions
- 2026 Application for Keystone 65 Basic Rx HMO, Keystone 65 Essential Rx HMO-POS, Keystone 65 Focus Rx HMO-POS, Keystone 65 Liberty Medical-Only HMO, Keystone 65 Preferred HMO, and Keystone 65 Select HMO
- Large print: 2026 Application for Keystone 65 Basic Rx HMO, Keystone 65 Essential Rx HMO-POS, Keystone 65 Focus Rx HMO-POS, Keystone 65 Liberty Medical-Only HMO, Keystone 65 Preferred HMO, and Keystone 65 Select HMO
2026 Personal Choice 65 PPO
- Enrollment Instructions
- 2026 Application for Personal Choice 65 Achieve Rx PPO, Personal Choice 65 Plus Rx PPO, and Personal Choice 65 PPO
- Large print: 2026 Application for Personal Choice 65 Achieve Rx PPO, Personal Choice 65 Plus Rx PPO, and Personal Choice 65 PPO
2025 Keystone 65 HMO
- Enrollment Instructions
- 2025 Application for Keystone 65 Basic Rx HMO, Keystone 65 Essential Rx HMO-POS, Keystone 65 Focus Rx HMO-POS, Keystone 65 Liberty Medical-Only HMO, and Keystone 65 Select HMO
- 2025 Application for Keystone 65 Preferred HMO
2025 Personal Choice 65 PPO
- Enrollment Instructions
- 2025 Application for Personal Choice 65 Elite Rx PPO, Personal Choice 65 Plus Rx PPO, Personal Choice 65 Prime Rx PPO, Personal Choice 65 Saver Rx PPO, and Personal Choice 65 PPO
Mailing address
When you have completed the appropriate application, sign it and mail to:
Independence Blue Cross
Medicare Department
P.O. Box 13713
Philadelphia, PA 19101-3713
Enroll by phone
Call toll-free 1-877-393-6733 (TTY/TDD: 711), 8 a.m. to 8 p.m., seven days a week. Please note that on weekends and holidays from April 1 through September 30, your call may be sent to voicemail.
Find your local sales agent
Have questions? Need assistance enrolling? Visit our Contact Your Local Sales Agent page to find your local IBX Medicare sales representative.
Medicare Star Ratings — updated 10/16/2025
Our Keystone 65 HMO plans were rated 4 out of 5 stars, and our Personal Choice 65 PPO plans were rated 4 out of 5 stars for 2026.
The Medicare Program rates all health and prescription drug plans each year, based on a plan's quality and performance. Medicare Star Ratings help you know how good a job our plan is doing. You can use these Star Ratings to compare our plan's performance to other plans.
2026 Keystone 65 HMO Star Ratings
2026 Personal Choice 65 PPO Star Ratings
Summary of Benefits
2026 Summary of Benefits — updated 10/1/2025
- Keystone 65 Basic Rx HMO, Keystone 65 Essential Rx HMO-POS, and Keystone 65 Focus Rx HMO-POS Summary of Benefits
- Large print: Keystone 65 Basic Rx HMO, Keystone 65 Essential Rx HMO-POS, and Keystone 65 Focus Rx HMO-POS Summary of Benefits
- Keystone 65 Liberty Medical-Only HMO, Keystone 65 Preferred HMO, and Keystone 65 Select HMO Summary of Benefits
- Large print: Keystone 65 Liberty Medical-Only HMO, Keystone 65 Preferred HMO, and Keystone 65 Select HMO Summary of Benefits
- Personal Choice 65 PPO Summary of Benefits
- Large print: Personal Choice 65 PPO Summary of Benefits
2025 Summary of Benefits — updated 10/1/2024
- Keystone 65 Basic Rx HMO, Keystone 65 Essential Rx HMO-POS, Keystone 65 Focus Rx HMO-POS, Keystone 65 Liberty Medical-Only HMO, and Keystone 65 Select HMO Summary of Benefits
- Keystone 65 Preferred HMO Summary of Benefits
- Personal Choice 65 PPO Summary of Benefits
Call us at 1-877-393-6733 (711 for the speech- and hearing-impaired), 8 a.m. to 8 p.m., seven days a week. However, please note that on weekends and holidays from April 1 through September 30, your call may be sent to voicemail.
Extra Help is available for those who need it most. Find out whether you qualify for Low Income Subsidy.
Y0041_HM_125391_M_2026
Website last updated: 10/20/2025