2026 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!² Choose from our popular PPO plans for more freedom, flexibility, and savings. Our plans offer:
- Monthly premiums as low as $0
- $0 copays for in-network primary care physician (PCP) visits
- The area’s largest network of doctors and hospitals¹
- No referrals needed to see specialists
- In-network specialist copays as low as $03
- Prescription drug coverage, with a $0 copay for common medications
- Routine dental, vision, and hearing coverage included
- Up to $1,500 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 essentials
- A FREE fitness membership
- Coverage when you travel
- Gift cards for completing healthy activities
| NEW Personal Choice 65 Achieve Rx PPO | Personal Choice 65 Plus Rx PPO | Personal Choice 65 Rx PPO | |
|---|---|---|---|
Premium |
$0 |
$214 |
Philadelphia, Bucks: $227 Chester, Delaware, Montgomery: $187 |
PCP visit copay |
$0 |
$0 |
$0 |
Specialist visit copay (no referrals required)3 |
$55 |
$0 |
$40 |
Routine dental services |
$0 copay; one exam and cleaning once every six months |
||
Routine eye exam |
$0 copay; one routine eye exam every year |
||
Routine hearing services |
$0 copay; one routine hearing exam per year |
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Quarterly OTC allowance5 |
$30 |
$30 |
$30 |
Tier 1 and Tier 2 generic drugs copay at a preferred pharmacy or through mail order |
$0 |
$0 |
$0 |
FREE fitness membership |
Included |
||
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