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).
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.
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
Telehealth refers to virtual versions of in-person appointments with network providers, often with the same providers you’d go to in person, including PCPs, specialists, and other health care providers.
You can use our Find a Provider tool to locate in-network providers with telehealth capabilities. If your selected provider offers telehealth visits, it will be noted in their information. You can ask your provider for instructions on how to access their telehealth services, as well as for info about any technology requirements they may have.
Telehealth appointments have the same cost-sharing as equivalent in-person appointments.
Not all services can be provided as a telehealth visit. Medicare-covered telehealth services for mental health and substance abuse are covered out of network for Personal Choice 65 PPO and Keystone 65 Focus Rx HMO-POS health plans. 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: 8/15/2025