CHOOSE

• Find out if you may be eligible for financial help

• Compare plans and choose the best one for you

• Learn how you can get the most out of your membership

2016 Health insurance plans

Table of contents

Contact your broker if you

have questions about your

plan choices or to see if

you qualify for a subsidy.

Serving Philadelphians for nearly 80 years

How plans are organized

Platinum

Gold

Silver

Bronze

Catastrophic

How to choose a plan

1. See if you may qualify for a subsidy (p. 2 – 3)

2. Narrow down your choices by comparing the most frequently used benefits on p. 4–5 and looking at the rate sheet enclosed in this kit

3. Choose the best plan for you by reviewing benefits in more detail (p. 10 – 32)

P

G

S

B

C

Household Income

See if you may qualify for a subsidy

If you think you may qualify for an

American Indian/Native Alaskan

plan, visit healthcare.gov for

more information.

Household Income

High-level plan comparison

FP FP FP FP FP AV FP

High-level plan comparison

124.5672.42

Legend

NEW

FP HSA

FP

AV

HSA

How to get the most out

of your membership

$

Tier 2

$$

Tier 3

$$$$

Get your health info on the go.

Download the free IBX app for

Apple and Android smartphones.

Personal Choice® PPO Platinum Complete

Personal Choice PPO Platinum

Keystone HMO Platinum

Personal Choice PPO Gold

Keystone HMO Gold

Keystone HMO Gold Proactive

Personal Choice PPO Silver

Keystone HMO Silver

Keystone HMO Silver Proactive

Keystone HMO Silver Proactive Value

P

G

S

Personal Choice® PPO Platinum Complete2

1 4

5

15,1 ,1 ,1

Personal Choice® PPO Platinum2

1 4 3

5

15,1 ,1 ,1

Keystone HMO Platinum2

Personal Choice® PPO Gold2

4

Keystone HMO Gold2 Keystone HMO Gold Proactive2,19,20

33 3

2

3

3

Personal Choice® PPO Silver2

4

2

Keystone HMO Silver2 Keystone HMO Silver Proactive2,19

33 3

r 2

3

r 3

Keystone HMO Silver Proactive Value2

r 2 r 3

2

Personal Choice® PPO Bronze

Keystone HMO Bronze

Personal Choice PPO Bronze Reserve

Personal Choice Bronze Basic

Personal Choice Catastrophic

B

C

Personal Choice® PPO Bronze2

4

5

5 8

Keystone HMO Bronze2 Personal Choice® PPO Bronze Reserve2 Personal Choice

® Bronze Basic2,10

3 4 3

Personal Choice® Catastrophic2

3

5

5 2

Important plan information

Footnotes