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Copay Plans
It’s all about predictability
Whether 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 copay plans offer the predictability you need to control your budget so that you aren’t surprised when your bill arrives.
Almost all of the 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. Need physical therapy? Pay a copay, and we’ll pay the rest.
Plus, all of our copay plans include wellness programs that offer cash, 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 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
Plan |
Office Visit |
Specialist Visit |
Hospitalization |
Apply |
|---|---|---|---|---|
$30 |
$50 |
$500 copay per day; max. 5 copays/admission ($2,500) |
 |
|
$20 |
$30 |
$400 copay per day; max. 5 copays/admission ($2,000) |
|
|
$15 |
$25 |
$200 copay per day; max. 5 copays/admission ($1,000) |
|
|
$10 |
$20 |
$100 copay per day; max. 5 copays/admission ($500) |
|
|
$30 in network; |
$50 in network; |
20% coinsurance in network; |
|
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.
