Medical Benefits

The University offers comprehensive medical, prescription drug and vision coverage. The University pays a percentage of the premium cost for single coverage and employee/dependent coverages; employee shares may be paid free of federal income tax. If you have coverage elsewhere, you may elect not to participate in the medical plan.

Coverage for full time staff/faculty is effective immediately on the first day of the month following the first day of work, unless otherwise noted.

Your medical plan choices are: a health maintenance organization (HMO), and two PPO Plans, the Value Personal Choice Flex plan and the Premium Personal Choice Flex Plan.

Keystone Health Maintenance Organization Flex Plan (HMO)

An HMO is a managed care program that provides a wide range of healthcare services through an organized network of physicians and hospitals. You are required to select a primary care physician (PCP), from the Keystone network to guide your care. Referrals from the PCP are required for specialist visits.

Under the HMO plan, most services are paid at 100% with no deductibles or 100% after a small co-payment for physician visits. Referrals from the PCP are required for specialist visits.

For more details, please review the Summary of Benefits and Coverage for the HMO plan. If you live outside of the local, please review the Amerihealth HMO Summary of Benefits and Coverage.

Value Personal Choice Flex Plan (PPO)

The Value Independence Blue Cross Personal Choice Flex PPO plan is the new PPO plan that offers lower premium costs but possibly more out-of-pocket at the time you receive care. It provides you in and out of network benefits and allows you to select your own doctors and hospitals. You do not need to select a Primary Care Physician and referrals are not required. By staying in the Blue Cross network you will maximize your benefits. However, if you choose to see an out-of-network provider, you will incur higher out-of-pocket costs. When planning for the upcoming plan year, employees selecting the Value PPO should consider utilizing a health care flexible spending account as a way to save for deductibles and co-insurance.

For more details, please review the Summary of Benefits and Coverage for the Value PPO plan.

Premium Personal Choice Flex Plan (PPO)

The Premium Independence Blue Cross Personal Choice Flex PPO plan is
the PPO plan that has been offered in the past. It provides you in and out of network benefits and allows you to select your own doctors and hospitals. You do not need to select a Primary Care Physician and referrals are not required. By staying in the Blue Cross network you will maximize your benefits. However, if you choose to see an out-of-network provider, you will incur higher out-ofpocket costs. Premium costs in the Premium PPO plan will be higher than the Value PPO but the out-of-pocket costs at the point of care will be lower for the member.

For more details, please review the Summary of Benefits and Coverage for the Premium PPO plan.

Independence Blue Cross Logo

About IBX

With Independence Blue Cross (IBC), you have access to an extensive network of doctors and hospitals. To determine if a doctor or hospital is in the IBC network and/or locate the HMO/POS physician ID number, click on the link below. Further details regarding the search tool can be found here.

Find Participating Doctors, Hospitals, and Ancillary Providers

Learn about BlueCard Worldwide, coverage for when traveling abroad.

Are you enrolled in medical benefits with IBC? If so, please see the instructions for receiving a fitness reimbursement from IBC.

IBX Mobile Application

IBX Mobile gives you easy acess to your health care coverage 24/7, wherever you are.

This app will help you to:

- Find a doctor

- Compare the price of drugs

- View your health history

- Access Temporary ID information

Download today through the iPhone app store or Android Marketplace.

Which Plan Should I Choose?

Please click here in order to review the Comparison of Medical Plan Options for the Medical Plans available at Villanova University. This information is meant to provide a summary of the plan highlights.