Keystone Health Plan Central (KHPC or Keystone) is a Capital Blue Cross health maintenance organization or HMO. To receive benefits through the plan covered individuals are required to select a primary care physician (PCP). All services are received from the PCP or by referral from the PCP to another provider. The HMO is not obligated to pay for any care that is not initiated through the PCP.
With Keystone, participants must work within the network, use their PCPs, and get referrals to see other doctors. In exchange, they enjoy the lowest premiums and the maximum coverage levels of the four plans available to Lehigh employees.
Keystone participants receive behavioral health care benefits through Integrated Behavioral Health (IBH). IBH manages the benefits through assessment, referral, case management, and claims payment. IBH uses their nationwide network of behavioral health professionals and treatment programs and facilities. To use this benefit, all services must be preauthorized and received within the network. There are no out-of-network benefits available.
Also provided under the Keystone Health Plan:
- Vision care benefits (through Davis Vision)
The highlights of this medical plan, pre-authorization procedures, and preventive care services can be found in the 2012 Flexible Benefits Enrollment & Reference Guide.
To view additional details provided in the Capital Blue Cross certificate of insurance for this plan, log on to the Campus Portal, select the "Employee" tab, and select Keystone within the Human Resources Channel.