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Independence Blue Cross Copay Plans
It’s all about predictabilityWhether paying for utilities, your phone bill, or groceries, it can be hard to predict how much you’ll need to pay each month. But our PPO and HMO copay plans for individual and family health insurance offer predictability to help you control your budget so that you aren’t surprised when your bill arrives.
Almost all of the health services you use are covered by a fixed copay if you use in-network providers. Visiting your doctor for a checkup? Pay a copay, and we’ll pay the rest if you use an in-network provider. Need physical therapy? Pay a copay, and we’ll pay the rest if you use an in-network provider.
Plus, all Independence Blue Cross PPO and HMO copay plans include access to our Healthy Lifestyles Wellness Programs that offer reimbursements, discounts, and more to help you and your family lead a healthier life. And, you get access to our exclusive member website, ibxpress.com, which offers PPO and HMO benefits information, health resources, and decision tools, all in one convenient location.
Here’s a look at what our copay plans include:
- emergency/urgent care
- routine eye care (HMO plans only)
- maternity (HMO plans only)
- office visits
- preventive care
- prescription drugs
- hospital stays
Compare PPO and HMO Copay Plans, Get a Quote, and Apply
Plan |
Office Visit |
Specialist Visit |
Hospitalization |
Apply |
|---|---|---|---|---|
$50 |
$60 |
$600 copay per day; max. 5 copays/admission ($3,000) |
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$30 |
$50 |
$500 copay per day; max. 5 copays/admission ($2,500) |
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|
$20 |
$30 |
$400 copay per day; max. 5 copays/admission ($2,000) |
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|
$15 |
$25 |
$200 copay per day; max. 5 copays/admission ($1,000) |
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|
$10 |
$20 |
$100 copay per day; max. 5 copays/admission ($500) |
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$30 in network; 50% after deductible out of network |
$50 in network; 50% after deductible out of network |
20% coinsurance in network; 50% after deductible out of network |
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HMO benefits are underwritten by Keystone Health Plan East (KHPE). PPO benefits are underwritten by QCC Insurance Company (QCC). KHPE and QCC are subsidiaries of Independence Blue Cross — independent licensees of the Blue Cross and Blue Shield Association. Serving the health insurance needs of Philadelphia and southeastern Pennsylvania.
