Understanding your network
You have access to a large provider network of doctors, specialist, hospitals, telemedicine visits, care in our area.
Keystone 65 HMO members
As an HMO member, your health plan covers care received from in-network providers. However, out-of-network emergency care is covered for medically necessary services for emergency care. Keystone 65 Focus HMO-POS members have an annual point-of-service maximum that can be used towards out-of-network care, but they'll pay less for in-network care. Please note that the Keystone 65 Focus plan uses a defined network that is a subset of our Keystone 65 HMO network.
You are required to receive in-network laboratory services (like blood work) at a site your Primary Care Provider (PCP) chooses. You can view your PCP's designated site on the front of your member ID card or by logging into ibx.com.
Personal Choice 65 PPO
As a Personal Choice 65 PPO member, you have the freedom to choose any doctor or hospital in- or out-of-network. But you'll pay less by selecting a doctor or hospital in the network.
Primary care provider
Primary care is an important part of staying healthy— and a primary care provider (PCP) can be your main partner in doing just that! A PCP will get to know your health history and medical issues, and provide basic medical care, including annual health checkups. They will also answer your health-related questions and help coordinate services with specialists and other providers (no referrals needed).
To learn more about how to get started and the importance of primary care, view our Primary Care Journey flyer.
For Keystone 65 HMO Members: You are required to choose an in-network PCP. No matter which in-network PCP you choose, your copay will be $0, and you won't need a referral to see a specialist. However, you must see specialists within our network.
Keystone 65 HMO members must notify us once you choose your PCP.
To choose your PCP online, log in or register at ibx.com/login. Click on the My Care tab and select Choose my Primary Care Physician from the drop-down menu.
To choose your PCP by phone, call our Member Help Team.
For Personal Choice 65 PPO Members: Your plan doesn’t require you to choose a PCP, but it’s still a good idea as they will help coordinate your care. Whether you choose a PCP or not, you don't need a referral to visit a specialist. You may see health care providers whether they’re in or out of our network, but you’ll usually pay less by seeing in-network providers.
To find in-network doctors, hospitals, and other health care centers use our online Find a Provider tool.
Care in your home
Receive care right where you’re most comfortable, your home. Below are home-based primary care and virtual care options that are available through your IBX plan.
Primary care
Good primary care is fundamental to your health and well-being, but sometimes getting to a doctor’s office for a visit can be a challenge. That’s where Patina can help. They offer comprehensive primary care that comes right to you and is just for adults 65+.
As experts in this phase of life, Patina takes the time to know you and create a care plan tailored to you. The best part is that their care comes right to you, in the comfort and convenience of home or wherever you are, through both virtual and in-home visits. Whether you’re active and healthy or managing more complex conditions, Patina is there when you need them (including 24/7 if care is needed after normal business hours).
- A dedicated, physician-led care team: Your team includes a primary care practitioner, a health champion, and a nurse champion, who deliver high-quality care and help you with legwork.
- Support for your total health and well-being: Patina supports all your needs: physical, emotional, and social.
- Easy access, immediate appointments: Reach your care team anytime through easy-to-use web and mobile apps, phone, or chat.
Patina primary care is available at no extra cost beyond your standard in-network primary care physician copay.
Other providers are available in our network.
Telemedicine
With Teladoc Health, you get quality care for non-emergent general medical, mental health, and dermatology conditions. Connect virtually from your home or when traveling via your computer, tablet, or smartphone, at no cost.
- General medical care: You have 24/7 access to board-certified doctors who can diagnose and treat non-emergency conditions such as sinus infections, flu, sore throats, allergies, earaches, pink eye, and more.
- Mental health care: Schedule visits with a licensed therapist, psychologist, or psychiatrist and get support for depression, anxiety, stress, grief, and more.
- Dermatology: Connect online with a board-certified dermatologist who can provide timely answers to questions about new or chronic skin conditions like rashes, acne, eczema, and rosacea.
Visits are available in several languages through an interpreter, including American Sign Language (ASL).
Learn more about the Medicare Advantage telemedicine benefit.
Telehealth through a network provider
Additional telehealth services are available via in-network providers through your PCP, specialists, physical therapists, occupational therapists, speech therapists, and other health professionals. Services with out of network providers will not be covered. Not all services can be provided as a telehealth visit.
Medicare-covered telehealth services for mental health and substance abuse are covered. For Personal Choice 65 PPO and Keystone 65 Focus Rx HMO-POS plans, Medicare-covered telehealth for mental health and substance abuse are covered out of network.
In-office cost-sharing apply to all provider telehealth visits. Please see your Evidence of Coverage to learn more.
Visitor/traveler coverage
Personal Choice 65 PPO members are eligible for the optional Visitor/Traveler benefit. You can take extended visits (up to 12 months) to places in the shared Blue Cross®/Blue Shield® visitor/traveler service area without losing your coverage.
The service area includes 48 participating states and two territories2, Puerto Rico and the District of Columbia. You will pay the in-network cost-sharing level for covered benefits while visiting participating providers in the service area.
To learn more:
- Call 1-800-810-BLUE to find out which providers you may visit when out of state.
- Use the Find a Doctor tool at bcbs.com to search for participating providers.
1An affiliate of Independence Blue Cross has a financial interest in Visionworks, an independent company.
2Participating states and territories are subject to change at any time.
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Website last updated: 4/10/2025