2025 Personal Choice 65SM PPO plans
Independence Blue Cross (IBX) offers affordable PPO 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 our Medicare basics page.
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IBX is the 5-counties most popular Medicare Advantage plan for a reason! Choose from our popular PPO plans for more freedom, flexibility, and savings. Our plans offer:
- $0 monthly premium on some plans
- $0 copays for in-network primary care physician (PCP) visits on most plans
- In-network specialist copays as low as $0
- $0 copays for the most commonly prescribed medications*
- No deductibles or referrals
- Up to $96 monthly Part B Premium Giveback
- Routine vision and hearing coverage included
- Allowances up to $3,000 per year to help pay for fillings, root canals, crowns, partial bridges, dentures, implants, and more
- Allowances up to $125 per quarter to spend on approved over-the-counter (OTC) items at participating retailers and online
- $300 annual allowance to spend on any dental, vision, or hearing services or supplies on select plans
- FREE fitness membership
- Coverage when you travel
| NEW Personal Choice 65 Plus Rx PPO | Personal Choice 65 Prime Rx PPO | Personal Choice 65 Saver Rx PPO | Personal Choice 65 Elite Rx PPO | |
|---|---|---|---|---|
Premium |
$164 |
$0 |
$0 |
$16.60 |
Part B Premium Giveback on each monthly Medicare Part B premium payment¹ |
N/A |
$9.10 |
$96 |
N/A |
PCP Visit Copay |
$0 |
$0 |
$10 |
$0 |
Specialist visit copay (no referrals required)² |
$0 |
$30 |
$50 |
$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 |
$30 |
$70 |
$30 |
$125 |
Annual dental, vision, and hearing flex benefit4 |
N/A |
$300 |
N/A |
$300 |
Tier 1 and Tier 2 generic drugs copay at a preferred pharmacy or through mail order |
$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 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