How does an EPO insurance plan work?

An EPO is a type of managed care plan, which means that your health insurance plan will cover some of your medical expenses as long as you visit a health care provider — doctor, hospital, or other place offering health care services — within a particular network.

What is a flex PPO plan?

Flex Net is a managed indemnity plan that combines both traditional fee-for-service coverage and managed care. Members pay a set percentage of the doctor’s or other provider’s allowable fee for each service performed, plus there are review processes so that expenditures and utilization can be managed efficiently.

What is a EPO Health Plan?

A managed care plan where services are covered only if you go to doctors, specialists, or hospitals in the plan’s network (except in an emergency).

What is the deductible for EPO?

Participating: $250 per individual / $500 per family calendar year brand-name drug deductible. Non-Participating: Not Covered There are no other specific deductibles.

Do EPO plans need a referral?

Most EPOs will not require you to get a referral from a primary care healthcare provider before seeing a specialist. This makes it easier to see a specialist since you’re making the decision yourself, but you need to be very careful that you’re seeing only specialists that are in-network with your EPO.

Is Blue Shield PPO?

The BCBS PPO is a preferred provider organization (PPO) that combines the advantages of a national network with the option to use physicians and facilities outside the network, but at a higher cost. When you join the BCBS PPO, you are not required to choose a primary care physician.

Is Blueshield a PPO?

With over 43,000 doctors and 320 hospitals in our Exclusive PPO Network, Blue Shield PPO plans can provide you with the flexibility and choice you are looking for.

What is better EPO or HMO?

An EPO (or “exclusive provider organization”) is a bit like a hybrid of an HMO and a PPO. EPOs generally offer a little more flexibility than an HMO and are generally a bit less pricey than a PPO. An EPO is a good option if you want to see specialists without a PCP referral within your network.

How do I register for ibxpress If I have insurance?

If you have health insurance coverage through Independence Blue Cross, you can register for ibxpress.com — it takes just a few minutes. And if you’re a new member, you can register up to 15 days before your coverage starts. Register for ibxpress.com today!

How can I get more information about IBX Medicare coverage?

Request a free information packet either by email or postal delivery. Attend one of our educational webinars about Medicare, Independence’s plans, benefits, and more. IBX Medicare coverage gives you access to one of the largest provider networks in Southeastern Pennsylvania.

What do I do if I have an issue with IBX?

If you are still experiencing an issue with accessing your account, please contact Customer Service using the phone number on the back of your ID card. Are you a provider’s office? Are you a broker? New to IBX? Register today to find a doctor, view your ID card, and learn more about your health plan.

What do I get with an Independence Blue Cross plan?

With an Independence Blue Cross plan, you get the strongest network of doctors and hospitals and free virtual doctor visits 24/7. Let us help you find the plan that works best for you!