Keystone 65 Liberty Medical Only (HMO) H3952-059 is a 2023 Medicare Advantage Plan or Part-C by Independence Blue Cross available to residents in Pennsylvania. This plan does not provide extra prescription drug (Part-D) coverage. Independence Blue Cross Keystone 65 Liberty Medical Only (HMO) has a monthly premium of $0 and has an in-network maximum out-of-pocket limit of $7,550 (MOOP). This means that if you get sick or need a high-cost procedure the co-pays are capped once you pay $7,550 out-of-pocket. This can be an extremely nice safety net.

Independence Blue Cross works with Medicare to provide significant coverage beyond Part A and Part B benefits. If you decide to sign up for Keystone 65 Liberty Medical Only (HMO) you still retain Original Medicare. But you will get extra Part A (Hospital Insurance) and Part B (Medical Insurance) coverage from Independence Blue Cross and not Original Medicare. With 2023 Medicare Advantage Plan you are always covered for urgently needed and emergency care. Plus, you receive all the benefits of Original Medicare from Independence Blue Cross except hospice care. Original Medicare still provides you with hospice care if you sign up for Medicare Advantage in Pennsylvania.

2023 Independence Blue Cross Medicare Advantage Plan Overview

What type of plan is Keystone 65 Liberty Medical Only (HMO)

Keystone 65 Liberty Medical Only (HMO) is a Local HMO *. With a health maintenance organization (HMO) you will be required to receive most of your health care from an in-network provider. Health maintenance organizations require that you select a primary care physician (PCP). Your primary care physician will serve as your personal doctor to provide all of your basic healthcare services. If you require specialized care or a physician specialist, your primary care physician will make the arrangements and inform you where you can go in the network. You will need your primary care physician approval, called a referral. Services received from an out-of-network provider are not typically covered.

How much does Keystone 65 Liberty Medical Only (HMO) cost?

Part-C Premium

A monthly premium is the fee you pay to the plan in exchange for coverage. Independence Blue Cross charges a $0 premium. The Part C premium covers Medicare medical, hospital benefits and supplemental benefits if offered. You generally are also responsible for paying the Part B premium.

MOOP

The maximum out-of-pocket (MOOP) is a yearly limit on your out-of-pocket costs. Keystone 65 Liberty Medical Only (HMO) by Independence Blue Cross MOOP is $7,550. Once you spend $7,550 you will pay nothing for Part A or Part B covered services. Copayments and coinsurance for Medicare approved services apply toward your out-of-pocket limit. Remember Original Medicare (Parts A and B) doesn’t have a MOOP.

2023 Summary of Benefits

The benefit information provided is a summary of what Keystone 65 Liberty Medical Only (HMO) covers and what you pay (such as copayments and coinsurance amounts) for certain common medical events. The Summary of Benefits from Independence Blue Cross helps get an idea of how much financial protection the plan is generally expected to provide for common health conditions. This section also contains information on coverage for in-network and out-of-network providers.

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

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Contact lenses

Vision	$0 copay

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Eyeglass frames

Vision	Not covered

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Eyeglass lenses

Vision	Not covered

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Eyeglasses (frames and lenses)

Vision	$0 copay

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Other

Vision	Not covered

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Routine eye exam

Vision	$0 copay

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Upgrades

Vision	Not covered

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Transportation	Not covered
Skilled Nursing Facility	$0 per day for days 1 through 20 $196 per day for days 21 through 100

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Occupational therapy visit

Rehabilitation services	$40 copay

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Physical therapy and speech and language therapy visit

Rehabilitation services	$40 copay

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Cleaning

Preventive dental	$0 copay

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Dental x-ray(s)

Preventive dental	$0 copay

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Fluoride treatment

Preventive dental	Not covered

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Oral exam

Preventive dental	$0 copay

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Preventive care	$0 copay
Outpatient hospital coverage	20% coinsurance per visit
In-Network Other health plan deductibles?	No
Optional supplemental benefits	No

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Inpatient hospital - psychiatric

Mental health services	$265 per day for days 1 through 7 $0 per day for days 8 through 90

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Outpatient group therapy visit

Mental health services	$20 copay

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Outpatient group therapy visit with a psychiatrist

Mental health services	$20 copay

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Outpatient individual therapy visit

Mental health services	$30 copay

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Outpatient individual therapy visit with a psychiatrist

Mental health services	$30 copay

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Chemotherapy

Medicare Part B drugs	20% coinsurance

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Other Part B drugs

Medicare Part B drugs	20% coinsurance

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Diabetes supplies

Medical equipment/supplies	0-20% coinsurance per item

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Durable medical equipment (e.g., wheelchairs, oxygen)

Medical equipment/supplies	20% coinsurance per item

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Prosthetics (e.g., braces, artificial limbs)

Medical equipment/supplies	20% coinsurance per item

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Maximum out-of-pocket enrollee responsibility (does not include prescription drugs)	$7,550 In-network
Inpatient hospital coverage	$265 per day for days 1 through 7 $0 per day for days 8 through 90

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Fitting/evaluation

Hearing	$0 copay

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Hearing aids

Hearing	$699-999 copay

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Hearing exam

Hearing	$40 copay

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Health plan deductible	$0
Ground ambulance	$260 copay

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Foot exams and treatment

Foot care (podiatry services)	$25 copay

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Routine foot care

Foot care (podiatry services)	$25 copay

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Emergency

Emergency care/Urgent care	$95 copay per visit (always covered)

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Urgent care

Emergency care/Urgent care	$15-40 copay per visit (always covered)

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Primary

Doctor visits	$0 copay

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Specialist

Doctor visits	$40 copay per visit

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Diagnostic radiology services (e.g., MRI)

Diagnostic procedures/lab services/imaging	$0-275 copay

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Diagnostic tests and procedures

Diagnostic procedures/lab services/imaging	$0 copay

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Lab services

Diagnostic procedures/lab services/imaging	$0 copay

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Outpatient x-rays

Diagnostic procedures/lab services/imaging	$45 copay

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Diagnostic services

Comprehensive dental	Not covered

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Endodontics

Comprehensive dental	20% coinsurance

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Extractions

Comprehensive dental	20% coinsurance

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Non-routine services

Comprehensive dental	Not covered

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Periodontics

Comprehensive dental	20% coinsurance

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Prosthodontics, other oral/maxillofacial surgery, other services

Comprehensive dental	40% coinsurance

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Restorative services

Comprehensive dental	20% coinsurance

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In-Network Additional benefits and/or reduced cost-sharing for enrollees with certain health conditions?	Yes, contact plan for further details

Keystone 65 Liberty Medical Only (HMO) Reviews

Is Keystone 65 Liberty Medical Only (HMO) a good plan? Keystone 65 Liberty Medical Only (HMO) received a 5 overall star rating from the CMS. The CMS uses a Star Rating System to measure how well Medicare Advantage and Part D plans perform. Plans are rated on a one-to-five scale, with one star representing poor performance and five stars representing excellent performance. Medicare Advantage with prescription drug (Part D) coverage (MA-PD) contracts are rated on up to 38 unique quality and performance measures. You can use the CMS star rating to compare Keystone 65 Liberty Medical Only Reviews among several different plans.

Staying Healthy, Screening, Testing, & Vaccines

Managing Chronic And Long Term Care for Older Adults

Member Experience with H3952-059 Health Plan

Member Complaints and Changes in Plans Performance

Health Plan Customer Service Rating for Independence Blue Cross

Drug Plan Customer Service Ratings

Ratings For Member Complaints and Changes in the Drug Plans Performance

Member Experience with the Drug Plan

Drug Safety and Accuracy of Drug Pricing

Coverage Area

(Click county or state to compare all available Advantage plans)

The availability of Medicare Advantage Plans will vary according to your region. This is why the Coverage Area matters in terms of Medicare eligibility. You will always be eligible for Original Medicare, but eligibility for Keystone 65 Liberty Medical Only (HMO) requires you to live in that plan’s service area. The service area is listed below:

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Source:CMS. Data as of Oct 1, 2022.

Last updated on December 03, 2022

Notes: Data are subject to change as contracts are finalized. For 2023, enhanced alternative may offer extra cost sharing reductions in the gap on a sub-set of the formulary drugs, beyond the standard Part-D benefit. Includes 2023 approved contracts. Employer sponsored 800 series and plans under sanction are excluded.