Keystone 65 Select Rx (HMO)

H3952 - 051 - 0
4.5 out of 5 stars (4.5 / 5)

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Keystone 65 Select Rx (HMO) is a Medicare Advantage Plan by Independence Blue Cross.

This page features plan details for 2025 Keystone 65 Select Rx (HMO) H3952 – 051 – 0 available in Chester, Delaware, Montgomery Counties.

Locations

Keystone 65 Select Rx (HMO) is offered in the following locations.

Plan Overview

Keystone 65 Select Rx (HMO) offers the following coverage and cost-sharing.

Insurer:Independence Blue Cross
Health Plan Deductible:$0
MOOP:$6,000 In-network
Drugs Covered:Yes

Ready to sign up for Keystone 65 Select Rx (HMO) ?

Get help from a licensed insurance agent.

Call 1-877-354-4611 / TTY 711.

M-F: 8:00 am – 10:00 pm EST

Sat-Sun: 8:00 am – 9:00 pm EST

Premium Breakdown

Keystone 65 Select Rx (HMO) has a monthly premium of $69.00. This amount includes your Part C and D premiums but does not include your Part B premium. The following is a breakdown of your monthly premium with Part B costs included.
Part B Part C Part D Part B Give Back Total
$185.00 $69.00 $0.00 $ $
Please Note:
  • Your Part B premium may differ based on factors including late enrollment, income, and disability status.
  • You may also qualify for “Extra Help” on drug costs. See the Part D Premium Reduction section below for more details.

Drug Info

Keystone 65 Select Rx (HMO) provides the following cost-sharing on drugs. Please check the plan’s formulary for specific drugs covered.

Drug Deductible: $0.00
Drug Out-Of-Pocket maximum: $2,000.00
Drug Benefit Type: Enhanced Alternative

Part D Premium Reduction

The Low-Income Subsidy (also known as LIS or “Extra Help”) helps people with Medicare lower the cost of prescription drugs.

The table below shows how the LIS impacts the Part D premium of this plan.

Part DLIS Full
$0.00$0.00

Initial Coverage Phase

After you pay your $0.00 drug deductible, you will pay the following costs for drugs in each tier until your total drug costs (including what this plan has paid and what you have paid) reach $2,000.00. Once you reach that amount, you will enter the next coverage phase.

Catastrophic Coverage Phase

After your yearly out-of-pocket drug costs (including drugs purchased through your retail pharmacy and through mail order) reach $2,000.00, you pay nothing for Medicare Part D covered drugs. However, you may still pay a share of the costs for excluded drugs covered under any enhanced benefit. Please note, that this plan has a Enhanced Alternative benefit type.

Additional Benefits

Keystone 65 Select Rx (HMO) also provides the following benefits.

Additional benefits and/or reduced cost-sharing for enrollees with certain health conditions?

    • In-Network: Yes, contact plan for further details

Comprehensive Dental

  • Adjunctive General Services
    • In-Network: No Coins – 0.00 Copay (Limits Apply)
  • Endodontics
    • In-Network: 20 Coins – No Co pay
  • Implant Services
    • In-Network: 40 Coins – No Co pay
  • Oral and Maxillofacial Surgery
    • In-Network: 20-40 Coins – No Co pay (Limits Apply)
  • Periodontics
    • In-Network: 20 Coins – No Co pay
  • Prosthodontics, fixed
    • In-Network: 40 Coins – No Co pay
  • Prosthodontics, removable
    • In-Network: 40 Coins – No Co pay
  • Restorative Services
    • In-Network: 20 Coins – No Co pay

Diagnostic and Preventive Dental

  • Dental X-Rays
    • In-Network: No Coins – 0.00 Copay
  • Fluoride Treatment
    • In-Network: No Coins – 0.00 Copay
  • Oral Exams
    • In-Network: No Coins – 0.00 Copay
  • Prophylaxis (cleaning)
    • In-Network: No Coins – 0.00 Copay

Diagnostic procedures/lab services/imaging

  • Lab services
    • $0 copay (Authorization Required)
  • Diagnostic radiology services (e.g., MRI)
    • $0-200 copay (Authorization Required)
  • Diagnostic tests and procedures
    • $0 copay (Authorization Required)
  • Outpatient x-rays
    • $40 copay (Authorization Required)

Doctor visits

  • Primary
    • $0 copay
  • Specialist
    • $40 copay per visit

Emergency care/Urgent care

  • Emergency
    • $125 copay per visit (always covered)
  • Urgent care
    • $15-55 copay per visit (always covered)

Foot care (podiatry services)

  • Foot exams and treatment
    • $20 copay
  • Routine foot care
    • $20 copay (Limits Apply)

Ground ambulance

    • $225 copay

Health plan deductible

    • $0

Hearing

  • Hearing aids
    • $499-799 copay (Limits Apply)
  • Hearing aids OTC
    • Not covered
  • Fitting/evaluation
    • $0 copay
  • Medicare-Covered Hearing Exam
    • $40 copay

Inpatient hospital coverage

    • $275 per day for days 1 through 6
      $0 per day for days 7 through 90
      $0 per day for days 91 and beyond (Authorization Required)

Maximum out-of-pocket enrollee responsibility (does not include prescription drugs)

    • $6,000 In-network

Medical equipment/supplies

  • Durable medical equipment (e.g., wheelchairs, oxygen)
    • 20% coinsurance per item (Authorization Required)
  • Prosthetics (e.g., braces, artificial limbs)
    • 20% coinsurance per item (Authorization Required)
  • Diabetes supplies
    • 0-20% coinsurance per item (Authorization Required)

Medicare Part B drugs

  • Chemotherapy
    • 0-20% coinsurance (Authorization Required)
  • Other Part B drugs
    • 0-20% coinsurance (Authorization Required)

Mental health services

  • Outpatient individual therapy visit
    • $30 copay (Authorization Required)
  • Inpatient hospital – psychiatric
    • $275 per day for days 1 through 6
      $0 per day for days 7 through 90 (Authorization Required)
  • Outpatient group therapy visit
    • $20 copay (Authorization Required)
  • Outpatient group therapy visit with a psychiatrist
    • $20 copay
  • Outpatient individual therapy visit with a psychiatrist
    • $30 copay

Optional supplemental benefits

    • No

Other health plan deductibles?

    • In-Network: No

Outpatient hospital coverage

    • $350 copay per visit (Authorization Required)

Preventive care

    • $0 copay (Authorization Required)

Rehabilitation services

  • Physical therapy and speech and language therapy visit
    • $20 copay
  • Occupational therapy visit
    • $20 copay

Skilled Nursing Facility

    • $0 per day for days 1 through 20
      $214 per day for days 21 through 100 (Authorization Required)

Transportation

    • Not covered

Vision

  • Contact lenses
    • $0 copay (Limits Apply)
  • Routine eye exam
    • $0 copay (Limits Apply)
  • Eyeglass frames
    • Not covered
  • Eyeglass lenses
    • Not covered
  • Eyeglasses (frames and lenses)
    • $0 copay (Limits Apply)
  • Other
    • Not covered
  • Upgrades
    • Not covered

Wellness programs (e.g., fitness, nursing hotline)

    • Covered

Ready to sign up for Keystone 65 Select Rx (HMO) ?

Get help from a licensed insurance agent.

Call 1-877-354-4611 / TTY 711.

M-F: 8:00 am – 10:00 pm EST

Sat-Sun: 8:00 am – 9:00 pm EST

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