What You Need to Know About the IBX Medicare Keystone 65 Basic Rx HMO Plan

If you’re Medicare-eligible and living in southeastern Pennsylvania, the Keystone 65 Basic Rx HMO plan from Independence Blue Cross (IBX) offers affordable, reliable coverage tailored to your needs. With no monthly premium and a range of benefits, it’s a smart option for anyone looking to balance great care with cost savings.

💰 $0 Monthly Premium + Money Back on Your Part B

This plan comes with $0 premium for both medical and prescription drug coverage—and even better, it gives you $6.10/month back on your Medicare Part B premium. That’s $73.20/year in giveback—ideal for anyone on a fixed income.

🩺 Doctor Visits Without Surprises

• Primary Care Visits: $0 copay
• Specialist Visits: $30 copay
• No referrals required

Whether it’s a checkup or a specialist visit, you won’t have to worry about high costs—or jumping through referral hoops.

🏥 Hospital and Surgery Costs Made Manageable

• Outpatient Hospital Services: $300 per visit
• Ambulatory Surgical Center: $150 copay
• Inpatient Hospital Stays: $250/day (days 1–7), capped at $1,750 per admission

This structure ensures that even in the event of a serious health issue, your financial responsibility stays predictable.

🚑 Emergency and Urgent Care with IBX Medicare Keystone 65 Basic Rx HMO Plan

• Emergency Room: $110 per visit
• Urgent Care: Typically lower and varies by location
  You pay the same ER copay even if you’re admitted—no surprise charges when you’re most vulnerable.

🧪 Diagnostics & Imaging with IBX Medicare Keystone 65 Basic Rx HMO Plan

• Routine X-rays: $40
• Outpatient Diagnostic Radiology: $40–$170, depending on the test
• Certain Diagnostic Tests: Covered at no cost

These benefits encourage timely screenings and help you catch issues early.

🧘 Therapy & Rehabilitation with IBX Medicare Keystone 65 Basic Rx HMO Plan

• Physical, Occupational, and Speech Therapy: $25 per visit
  These services are crucial for recovery and long-term wellness—and they’re budget-friendly with this plan.

🛍️ $70 OTC Quarterly Allowance with IBX Medicare Keystone 65 Basic Rx HMO Plan

Get $70 every three months to use on over-the-counter health items like:

• Pain relievers
• Cold medicine
• Vitamins
• Bandages
• And more

No out-of-pocket cost for everyday essentials.

🛡️ Maximum Out-of-Pocket Protection

• Annual in-network cap: $7,250
  After hitting this limit, you pay $0 for all covered services the rest of the year. That’s real peace of mind for unpredictable medical expenses.

🌟 Why People Choose Keystone 65 Basic Rx HMO

• $0 monthly premium
• $6.10 back on your Medicare Part B premium
• No copay for PCP visits
• No referrals needed for specialists
• Generous dental, vision, and OTC benefits
• Capped out-of-pocket maximum of $7,250

It’s a great fit for those seeking predictable costs, flexibility, and full-spectrum care without breaking the bank.

🏡 Available Where You Live

This plan is available in southeastern Pennsylvania, including:

Counties Covered:

• Philadelphia
• Bucks
• Chester
• Delaware
• Montgomery

Major Cities & Towns:

• Philadelphia
• Norristown
• Upper Darby
• Chester
• Doylestown
• Bensalem
• West Chester
• Pottstown
• Abington
• Lansdale
  (and many more towns within these counties)

🏥 Hospitals That Accept Keystone 65 Plans (Examples):

• Jefferson Health
• Main Line Health (including Lankenau, Bryn Mawr, Paoli, and Riddle Hospitals)
• Penn Medicine*
• Temple University Health System
• Einstein Healthcare Network
• Crozer Health
• Doylestown Hospital
• Holy Redeemer Hospital
• Suburban Community Hospital

(Always verify with the plan or provider to confirm participation in the Keystone 65 Basic Rx HMO plan.)

📞 Next Steps

Before enrolling, talk to a licensed Medicare agent to:

• Confirm your doctors and hospitals are in-network
• Make sure the plan fits your personal healthcare needs
• Get help enrolling with confidence

✅ How to Enroll in the IBX Medicare Keystone 65 Basic Rx HMO Plan

Enrolling is easy, but it’s always best to take a few steps to ensure you’re getting the right plan for your situation:

1. Check Eligibility

You must:

• Be eligible for Medicare Part A and enrolled in Part B
• Live in one of the covered southeastern PA counties (Philadelphia, Bucks, Montgomery, Chester, or Delaware)

2. Have Your Information Ready

When applying, have the following:

• Your Medicare card (with Part A and B effective dates)
• List of current medications
• Your primary care doctor’s name (if you have one)
• A list of any specialists you regularly see

3. Apply Through One of These Options:

• Online: Visit the IBX Medicare website
• Phone: Speak with a licensed agent at 1-877-393-6733 (TTY: 711)
• In-Person: Some local community centers and broker offices can assist with enrollment
• Through Medicare.gov: You can also compare plans and enroll directly through Medicare.gov

💡 Tips to Make the Most of Your Plan

Once you’re enrolled, here’s how to get the most value from your Keystone 65 Basic Rx HMO benefits:

🔹 Create an Online Member Account

Set up your account at ibxmedicare.com to:

• View your plan details
• Track claims
• Access your digital ID card
• Order OTC items
• Find in-network providers

🔹 Take Advantage of Preventive Care

Most preventive services are covered at no cost. These include:

• Annual wellness visits
• Screenings for cancer, diabetes, and cholesterol
• Flu shots and other vaccines

🔹 Use Your OTC Allowance Every Quarter

Don’t let the $70 quarterly OTC benefit go unused. Order:

• Vitamins and supplements
• Allergy and cold medications
• Bandages, thermometers, and other essentials
  You can typically order online, by phone, or through an OTC catalog provided by IBX.

🔹 Explore Dental, Vision, and Hearing Perks

This plan may include extra benefits beyond Medicare like:

• Dental cleanings and exams
• Eyeglass and contact lens allowances
• Hearing exams and discounts on hearing aids

Check your Summary of Benefits or Evidence of Coverage (EOC) to see the full scope of what’s included.

📍 Who Is This Plan Best For?

The ibx medicare Keystone 65 Basic Rx HMO is an excellent fit for:

• Seniors on a fixed income who want low monthly costs
• Medicare beneficiaries looking for strong Part D (prescription) coverage
• Individuals who prefer HMO structure but still want the flexibility to see specialists without referrals
• People who want built-in extra benefits like OTC credits, dental, vision, and more

🌐 Have More Questions?

Reach out to a licensed Medicare expert or visit ibx customer service:

🔗 www.ibxmedicare.com
📞 Customer Service: 1-877-393-6733 (TTY: 711)
📆 Available: 8 a.m. – 8 p.m., 7 days a week during Annual Enrollment (Oct 15 – Dec 7); M–F otherwise.

Related reading: IBX Personal Choice 65 PPO 2027: plans, costs and benefits