Personal Choice 65 Achieve Rx (PPO) in Chester County, Pennsylvania — 2026 plan details
Last updated Jul 18, 2026
Reviewed by Jason Burns, Editorial Steward
Published by Senior Direct Answers · Licensed under Citation License 1.0
Personal Choice 65 Achieve Rx (PPO) (H3909-020) is a $0-premium Medicare Advantage PPO from Independence Health Group, Inc. available in Chester County, Pennsylvania in 2026, with a 4.0-star overall rating, a $6,750 in-network out-of-pocket maximum, and a $375 annual Part D drug deductible.
Plan facts (CMS CY2026 Landscape file)
| Organization | Independence Health Group, Inc. |
|---|---|
| Plan name | Personal Choice 65 Achieve Rx (PPO) |
| Contract ID | H3909 |
| Plan ID | 020 |
| Segment ID | 0 |
| Contract year | 2026 |
| Contract category | MA-PD |
| Plan type | PPO |
| SNP | No |
| Monthly consolidated premium | $0.00 |
| Part C premium | $0.00 |
| Part D basic premium | $0.00 |
| Part D total premium | $0.00 |
| Annual Part D deductible | $375.00 |
| Maximum out-of-pocket (in-network) | $6750.00 |
| Overall star rating | 4.0 |
How this plan is structured
- $0 consolidated premium. A $0 or near-$0 consolidated premium does not remove the Part B premium — the standard 2026 Part B premium is $202.90 per month and still applies. See the 2026 Medicare Part B premium.
- PPO plan type. Plan-type rules determine in-network use and referrals. See how Medicare Advantage HMO and PPO plans differ.
- $6,750 in-network out-of-pocket maximum. The MOOP is the annual cap on what a member pays in-network for covered Part A and Part B services. See how the Medicare Advantage MOOP works.
- Service area = Chester County. Medicare Advantage plans are sold by service area; moving out of the plan's service area triggers a Special Enrollment Period to switch plans. See how moving changes your Medicare options.
How it compares in Chester County
The CMS CY2026 Landscape file lists 99 Medicare Advantage plans in Chester County, Pennsylvania, of which 0 carry a 5.0-star overall rating and 46 have a $0 consolidated monthly premium. Consolidated premiums range from $0.00 to $214.00 per month, and in-network out-of-pocket maximums range from $1500.00 to $9250.00.
For the full county plan directory, see all Medicare plans in Chester County, Pennsylvania.
How to verify your doctors take this plan
Network participation changes throughout the year; we hold no provider-network data, so verify directly with these three sources before you decide:
- Open the plan's official Medicare.gov page and use its provider-directory link: Medicare.gov Plan Finder — H3909-020.
- Call the plan (Independence Health Group, Inc.) using the member-services number listed on that plan page and ask whether each doctor, hospital, and pharmacy is in-network for 2026.
- Get free, unbiased help from your State Health Insurance Assistance Program (SHIP) — see free unbiased Medicare help from SHIP.
What H3909-020 means
CMS assigns every Medicare Advantage and Part D offering a plan identifier made of three parts. In H3909-020, the leading H marks the contract type (H = Medicare Advantage / Part C contract), the four digits 3909 are the contract number issued to the organization, and the three-digit 020 is the plan benefit package under that contract. The segment ID 0 identifies the service-area segment within the plan (0 = the default single segment).
Frequently asked questions
Is Personal Choice 65 Achieve Rx (PPO) an HMO or PPO?
Personal Choice 65 Achieve Rx (PPO) is a PPO Medicare Advantage plan.
Does Personal Choice 65 Achieve Rx (PPO) include prescription drug coverage?
Yes — Personal Choice 65 Achieve Rx (PPO) is a Medicare Advantage plan with prescription drug coverage (MA-PD) and a $375.00 annual Part D drug deductible for 2026.
What is the maximum out-of-pocket cost for Personal Choice 65 Achieve Rx (PPO)?
The 2026 in-network maximum out-of-pocket limit for Personal Choice 65 Achieve Rx (PPO) is $6750.00, per the CMS CY2026 Landscape file.
What counties offer Personal Choice 65 Achieve Rx (PPO) (H3909-020)?
Personal Choice 65 Achieve Rx (PPO) (H3909-020) is offered in five Pennsylvania counties: Bucks County, Chester County, Delaware County, Montgomery County, and Philadelphia County.
Sources
- CMS, Plan Year 2026 Medicare Advantage & Part D Landscape source file (March 2026) — retrieved 2026-07-18. Overall star rating year: 2026.
- Medicare.gov Plan Finder — compare plans and enroll.