2026 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!² 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 common medications
- No deductibles to meet for medical or prescription drug coverage
- No referrals needed
- The area’s largest network of doctors and hospitals¹
- Worldwide urgent and emergency care coverage
- $0 copays for routine dental, vision, and hearing exams
- Up to $2,000 per year to help pay for fillings, root canals, crowns, partial bridges, dentures, implants, and more
- An over-the-counter (OTC) quarterly allowance to spend on health essentials5
- FREE fitness membership with access to all local YMCAs
- Gift cards for completing healthy activities
| Keystone 65 Basic Rx HMO | Keystone 65 Essential Rx HMO-POS | Keystone 65 Focus Rx HMO-POS | Keystone 65 Select Rx HMO | Keystone 65 Select Medical-Only HMO | Keystone 65 Liberty Medical-Only HMO | |
|---|---|---|---|---|---|---|
Premium |
$0 |
$31 |
Philadelphia, Bucks: $0 Chester, Delaware, Montgomery: $15 |
Philadelphia, Bucks: $47 Chester, Delaware, Montgomery: $74 |
Philadelphia, Bucks: $20 Chester, Delaware, Montgomery: $0 |
$0 |
Part B Premium Giveback4 |
N/A |
N/A |
$2 |
N/A |
Philadelphia, Bucks: N/A Chester, Delaware, Montgomery: $18.60 |
$120 |
PCP visit copay |
$0 |
$0 |
$0 |
$0 |
$0 |
$0 |
Specialist visit copay (no referrals required)3 |
$38 |
$35 |
$30 |
$40 |
$40 |
$55 |
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 allowance6 |
$60 |
$60 |
$60 |
$30 |
$30 |
$30 |
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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Not sure which plan fits your needs? Let us help.
Schedule a 1-on-1 call with a licensed IBX Medicare advisor who can walk you through your options — no pressure, just help. Call 1-800-303-0656 seven days a week, from 8 a.m. to 8 p.m.*
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Website last updated: 8/15/2025