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Frequently Asked Questions

Frequently Asked Questions About Personal Choice PPO Health Plans

What Is a PPO?

PPO stands for preferred provider organization. A PPO is a type of health plan that allows members to see providers in and out of the network. 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.

How Does an Independence Blue Cross Personal Choice PPO Plan Work?

With a Personal Choice PPO plan from Independence Blue Cross, you can choose to see any doctor or visit any hospital you choose. You will also enjoy in-network coverage anywhere in the United States when you use providers who participate in the BlueCard® PPO network.

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

No. You don’t need to get referrals with a Personal Choice PPO 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 a PPO?

A PPO plan allows you to receive care from any provider, either in or out of network, without a referral.

What Personal Choice PPO Plans Does Independence Blue Cross Offer?

There are six Independence Blue Cross Personal Choice PPO health plans that offer the flexibility to choose the health care providers you want and the coverage you need at a price that you can afford.

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

  • Personal Choice PPO Platinum
  • Personal Choice PPO Gold
  • Personal Choice PPO Silver
  • Personal Choice PPO Bronze
  • Personal Choice PPO Bronze Reserve
  • Personal Choice EPO Bronze Basic1

Who Can I Contact For Personal Choice PPO Inquiries?

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

1 Personal Choice® EPO Bronze Basic is only available for purchase through the Federal Health Insurance Marketplace at Healthcare.gov.