What’s the difference between medically underwritten HMO and PPO plans?
With our HMO plans from Keystone Health Plan East, you select a primary care physician to coordinate all of your health care needs and provide you with referrals to network specialists when needed. In comparison, our Personal Choice® PPO plans give you the flexibility to receive care from doctors both in and out of network. There’s no need to pick a primary care physician and you never need a referral. Our PPO plans also provide in-network coverage coast-to-coast when you use BlueCard® PPO participating providers. While our PPO plans offer you the freedom to access care directly, they do not provide coverage for maternity and vision care, which are included in our HMO options.
