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Personal Choice® PPO Plans

With Personal Choice PPO plans from Independence Blue Cross, you can choose to see any doctor or visit any hospital in the Personal Choice network.

You’ll pay less when you choose doctors and hospitals in the Personal Choice network, and more if you choose to see doctors and hospitals out-of-network. You don’t need to get referrals, so you can see any specialist you want without needing permission from a primary care physician (PCP), or family doctor. You will also enjoy in-network coverage anywhere in the United States when you use providers who participate in the BlueCard® PPO network.

Is a Personal Choice PPO Plan Right For You?

An Independence Blue Cross Personal Choice PPO health plan may be the best option for you and your family if:

  • You live within one of these five counties
  • You want health coverage for both in-network and out-of-network providers
  • You would like in-network coverage across the country through BlueCard PPO
  • You want the flexibility to pay less for medical cost when you choose in-network providers
  • You would like access to one of the largest network of providers in the Philadelphia region
  • You want the freedom to see doctors and other health care specialists without a referral from a primary care physician

How Personal Choice PPO Plans Work

Personal Choice PPO Plan Options:

Plan Name


Primary Care Physician Visit



Generic Prescription Drugs

Personal Choice PPO Gold






Personal Choice PPO Silver


$30 no deductible

$70 no deductible

25% after deductible2

$15 no deductible (integrated with medical deductible)

Personal Choice PPO Bronze


$50 no deductible

50% after deductible

25% after deductible3

$15 after deductible (integrated with medical deductible)

Scroll or swipe to reveal all table data.

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

2 For PPO Silver, inpatient maternity hospital services are subject to 30% coinsurance after deductible.

3 For PPO Bronze, inpatient maternity hospital services are subject to 50% coinsurance after deductible.

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