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Keystone Health Plan East HMO plans

With a Keystone HMO plan from Independence Blue Cross, you can see any doctor or visit any hospital in the Keystone Health Plan East network. You will pick a primary care physician (PCP), or family doctor, to coordinate your care. Your PCP will treat you for general health needs and refer you to specialists as needed.

With a Keystone HMO plan, you are only covered for care from in-network doctors and hospitals for routine care and planned procedures. Care received from out-of-network providers is only covered in the case of an emergency.

To learn more about HMOs, read the article “What is a Health Maintenance Organization (HMO)?”


Couple Shops For A Keystone HMO Plan On Their Computer
Couple Shops For A Keystone HMO Plan On Their Computer

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Is a Keystone HMO plan right for you?

A Keystone HMO plan from Independence Blue Cross may be the best Pennsylvania health insurance option for you and your family if you:

  • Live within one of these five counties
  • Want to save money by selecting health care providers in the Independence Keystone Health Plan East network
  • Are willing to have a primary care physician (PCP) to coordinate all of your healthcare and provide referrals for specialty care

How Keystone HMO plans work

Keystone HMO plan options

Keystone HMO Gold Keystone HMO Gold Classic1 Keystone HMO Silver Classic1 Keystone HMO Silver Basic1 Keystone HMO Bronze
Deductible $0 $500 $3,500 $5,500 $8,500
Primary care physician visit $35 $40 no deductible $35 no deductible $35 no deductible $75 no deductible
Specialist visit $65 $80 no deductible $80 no deductible $80 no deductible $150 no deductible
Inpatient hospital $750/day2 20% after deductible 30% after deductible 50% after deductible Subject to deductible and $700/day2
Generic prescription drugs $15 $15 $20 no deductible (Integrated with Medical deductible) $20 no deductible (Integrated with Medical deductible) $25 no deductible (Integrated with Medical deductible)
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Additional information

Review important information to get a better understanding of our individual and family health insurance policies and guidelines and the steps Independence Blue Cross takes to help you receive appropriate covered services.

1 HMO Gold Classic, HMO Silver Classic, and HMO Silver Basic are only available for purchase through the Pennsylvania Insurance Exchange (Pennie).

2 Amount shown reflects copay per day. There is a maximum of 5 copays per admission.