Manage Your Benefits
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Register/LoginKeystone Point-of-Service
Keystone Point-of-Service (POS) plans offer all the benefits of our quality HMO, plus the freedom to access any physician or hospital without a referral. There are few or no out-of-pocket costs for covered services provided or referred by the primary care physician (PCP). The self-referred care feature of this plan allows members to visit any doctor or hospital. Members share the costs of medical expenses through deductibles and coinsurance.
Features of Keystone Point-of-Service
- Members choose a PCP from a wide network of more than 20,000 doctors and 100 hospitals.
- Members obtaining referrals for specialty care receive the maximum benefit level.
- Care may be received without a referral, subject to deductibles and coinsurance.
- Preventive care for children and adults is included.
- Well-being programs, including fitness reimbursement and discounts on alternative services are available at no additional cost.
- Programs to manage chronic conditions are included.
- Direct Access OB/GYNSM — no referrals are required to see a network OB/GYN for routine or maternity care.¹
- NCQA accreditation — Keystone POS has received the highest standard of measurement from NCQA: Excellent.
- Comprehensive benefits are provided for students and travelers out of the area. Learn more about Guest Membership.
- The Blue Cross® and Blue Shield® symbols on member ID cards are recognized worldwide.
1 Non-routine care provided by reproductive endocrinologists/infertility specialists and gynecologic oncologists continues to require a referral from PCP.