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Frequently Asked Questions

Frequently Asked Questions About Personal Choice EPO Health Plans

What Is an EPO?

EPO stands for exclusive provider organization. An EPO is a type of health plan in which you pay lower costs when you see in-network providers. But you are also free to go outside of the network and pay more for your services.

Will I Need to Get a Referral to See a Specialist?

No. You don’t need to get referrals with a Personal Choice EPO plan, so you can see any specialist you want without needing permission from a primary care physician (PCP), or family doctor.

Can I See Out-of-Network Providers With an EPO?

An EPO plan does not offer out-of-network coverage. But you are free to see doctors outside of the network and pay more for your services.

What Personal Choice EPO Plans Does Independence Blue Cross Offer?

There are two Independence Blue Cross Personal Choice EPO health plans that offer the flexibility to choose the in-network health care providers you want without needing a referral.

Compare coverage details on costs and coverage for Personal Choice EPO plans and see if one of these plans is best for you.

  • Personal Choice EPO Platinum
  • Personal Choice EPO Bronze Basic1
  • Personal Choice EPO Silver Reserve
  • Personal Choice EPO Silver Reserve Select1
  • Personal Choice EPO Bronze Reserve

Who Can I Contact For Personal Choice EPO Inquiries?

You can contact a customer service representative for Personal Choice EPO related-inquiries by calling 1-844-BLUE-4ME (1-844-258-3463, TTY: 711).

1 Personal Choice EPO Bronze Basic and Personal Choice EPO Silver Reserve Select are not available for purchase through the Federal Health Insurance Marketplace and must be purchased through Independence directly.

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