2025 Keystone 65 HMO plans
Independence Blue Cross (IBX) offers affordable HMO plans in Philadelphia, Bucks, Chester, Delaware, and Montgomery counties. Compare our plans below to view coverage details and see which one best meets your needs. For additional information surrounding enrollment periods, visit Medicare basics.
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IBX is the 5-counties most popular Medicare Advantage plan for a reason!* We offer a wide range of HMO plans to fit your needs and budget. Ours plans offer:
- $0 monthly premium on some plans
- $0 copays for primary care physician (PCP) visits
- $0 copays for the most commonly prescribed medications*
- No deductibles to meet for medical or prescription drug coverage
- No referrals needed
- $0 copays for routine dental, vision, and hearing exams
- Allowances up to $3,000 per year to help pay for fillings, root canals, crowns, partial bridges, dentures, implants, and more
- $300 annual allowance to spend on covered medical, dental, vision, or hearing services or supplies on select plans
- Allowances up to $100 per quarter to spend on approved over-the-counter (OTC) items at participating retailers and online
- FREE fitness membership with access to all the YMCAs in our area
| NEW Keystone 65 Essential Rx HMO-POS | Keystone 65 Basic Rx HMO | Keystone 65 Select Rx HMO | Keystone 65 Select Medical-Only HMO | Keystone 65 Liberty Medical-Only HMO | Keystone 65 Focus Rx HMO-POS | |
|---|---|---|---|---|---|---|
Premium |
$2.10 |
$0 |
$42: Philadelphia, Bucks $69: Chester, Delaware, Montgomery |
$13.50: Philadelphia, Bucks $3.50: Chester, Delaware, Montgomery |
$0 |
$0: Philadelphia, Bucks $10: Chester, Delaware, Montgomery |
Part B Premium Giveback on each monthly Medicare Part B premium payment¹ |
N/A |
$6.10 |
N/A |
N/A |
$90 |
$9.50: Philadelphia, Bucks $9.30: Chester, Delaware, Montgomery |
PCP visit copay |
$0 |
$0 |
$0 |
$0 |
$0 |
$0 |
Specialist visit copay (no referrals required)² |
$25 |
$30 |
$40 |
$40 |
$40 |
$30 |
Routine dental services |
$0 copay; one exam and cleaning once every six months |
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Routine eye exam |
$0 copay; one routine eye exam every year |
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Hearing services |
$0 copay; one routine hearing exam per year |
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Quarterly OTC allowance³ |
$100 |
$70 |
$30 |
$30 |
$30 |
$70 |
NEW! Annual medical, dental, vision, and hearing flex benefit4 |
$300 |
$300 |
N/A |
N/A |
N/A |
N/A |
Tier 1 and Tier 2 generic drugs copay at a preferred pharmacy or through mail order |
$0 |
$0 |
$0 |
$0 |
$0 |
$0 |
FREE fitness membership |
Included |
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Looking for more information about our plans?
Contact your local Medicare expert or register for a free meeting to find the one that best meets your needs.
*2024 Medicare Advantage Enrollment Numbers, 2024 Top Prescribed Drugs: ibxmedicare.com/source24
¹The Part B Premium Giveback is set up by Medicare and administered through the Social Security Administration (SSA). Members who pay their own Part B premium are eligible for the Giveback. The monthly credit is applied on either the member's Social Security check or Medicare Part B statement, depending on how they pay their Part B premium. It can take a few months for this Giveback to be processed, so the member may receive it as a lump sum.
²This is a general copay that applies to specialist visits for consultation, diagnosis, and treatment by a specialist in a physician’s office, but copay amounts vary for some specialist visits including podiatry, psychiatry, pulmonology, cardiology, etc. Please reference the plan's Evidence of Coverage for a complete listing of benefits.
³OTC balance does not roll over to the next quarter. Can be redeemed online or at participating local retailers.
4The medical, dental, vision, and hearing flex benefit allowance preloaded on the IBX Care Card is a separate wallet from the OTC benefit provided on the same card. No activation is required. Any unused balance will not roll over to the next year. Members should retain the card through the expiration date.
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Website last updated: 8/14/2024