Keystone HMO Proactive — our lower-cost, tiered provider network health plan — is available to individuals and small businesses/groups. Keystone HMO Proactive has benefit designs with different member cost-sharing by tier and offers members lower out-of-pocket costs (e.g., copayment) for most services when they select or are referred to a provider in the Preferred benefit tier.
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To learn more about Independence Blue Cross and all of our health plans and services, visit www.ibx.com.