Personal Choice® PPO plans
With a Personal Choice Preferred Provider Organization (PPO), you have the freedom to see providers both in- and out-of-network. You’ll pay less when you choose in-network doctors and hospitals and more if you choose to see out-of-network doctors and hospitals. Referrals are not required, so you can visit any specialist. You also have in-network coverage across the U.S. through BlueCard® PPO, which offers the largest network 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?
A Personal Choice PPO health plan from Independence Blue Cross may be the best option for you and your family if you:
- Live within one of these five counties
- Want health coverage for both in-network and out-of-network providers
- Would like in-network coverage across the country through BlueCard PPO
- Want the flexibility to pay less for medical costs when you choose in-network providers
- Would like access to one of the largest networks of providers in the Philadelphia region
- 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 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) |
| View more info | Download pdf | Download pdf | Download pdf | Download pdf | Download pdf | Download pdf |
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.