Your local Benefit Coordinator will give you information about the medical and vision plan options available to you and your cost for coverage. All of the options are provided through Independence Blue Cross (IBC) or Keystone Health Plan East. If you have specific questions, contact Member Services at 1.800.ASK.BLUE (275.2583).

The Medical Plan options offered by your employer may include:

• Personal Choice® HDHP is a type of plan that has a higher deductible than more traditional plans and allows you and your employer to contribute to a tax-advantaged Health Savings Account (HSA) if you are eligible. For this option, preventive care is covered at 100% with no deductible. All other expenses, including prescriptions, are subject to the deductible. See the Health Savings Account (HSA) section to learn how the HDHP and HSA work together. Read More Here
• Personal Choice® PPO and Personal Choice HDHP are “Preferred Provider Organization” (PPO) plans. That simply means you receive a higher level of benefits if you use providers in the IBC Personal Choice network (called staying “In-Network”). You may use other providers (called going “Out-of-Network”). If you do, the Plan’s benefits are lower, you must file claim forms, some services may not be covered, and you may be responsible for charges above the IBC Plan allowance. Read More Here
• Keystone POS is a “Point of Service” plan, which is a cross between a PPO and an HMO. If you enroll, you should select a primary care physician (PCP) from the Keystone POS/HMO network. Generally, to receive the highest level of benefits, your PCP must provide your care or give you a referral. This is called Referred care. If you use other providers without a referral from your PCP, you will receive a reduced level of benefits. This is called Self-Referred care—you must file claims, the Plan pays less, some services may not be covered, and you may be responsible for charges above the Keystone Plan allowance. Read More Here
• Keystone Health Plan East HMO is a Health Maintenance Organization. To receive benefits, you must choose a PCP in the Keystone POS/HMO network who will provide your care or refer you to other Keystone HMO providers. Unlike the other options, all services must be provided by Keystone HMO network providers. If you seek services on your own, without receiving a referral from your PCP, the cost of services will not be covered by the Plan (except for true emergency care). Before you complete your Keystone POS or Keystone HMO enrollment, you will choose a PCP for you and each covered family member. You may change your PCP at any time by calling Member Services or online at ibxpress.com. For more information about PCPs, see Choosing Your PCP—Provider Choice Notice in the Other Important Information section. Read More Here

Independence Blue Cross Contact Information:

• Medical Plans (HDHP, PPO, POS, and HMO):
  • 1.800.275.BLUE (2583)
• Member Services, provider directory, pre-certification, claims, Telemedicine, coaching :
  • www.ibx.com/archdiocese
  • Ibxpress.com (requires you to register)