Individual Health Plans
Friday, July 3, 2015  
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Independence Blue Cross of Pennsylvania (IBC PA)

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We do not have information about existing policies.

For residents of Philadelphia and the surrounding areas who are searching for individual health insurance, you are looking in the right place. Independence Blue Cross of Pennsylvania is the largest health insurer in the Philadelphia area, with over 2.4 million members locally and 3.4 million total (as of 2011). Your needs are unique, so you might wonder how so many people can get exactly what they need from a company so big. The answer is Independence BC has a long and trustworthy history, starting from 1937, which has provided invaluable expertise in offering comprehensive, affordable healthcare to its clients.

Independence knows individual health insurance must be targeted to your particular life situation. Whether you need this type of insurance because you own your own business, are retiring early, or for any other reasons – the company can find a plan to satisfy your set of circumstances. We all know health insurance is a type of protection – one that has become even more necessary today. IBS has a broad range of health plans just for you.

IBC Individual Health Plans

Personal Choice® PPO Plan

Offers the services of the Personal Choice network of health care providers while also giving you the freedom to seek care from outside the network. This plan includes wellness programs, chronic conditions management, and discounts on alternative services. Use of the Personal Choice network offers the highest level of benefits after co-payments. There are choices to tailor the plan to your personal needs and budget.

Traditional Indemnity Plan

Offers comprehensive medical, surgical, and hospital coverage with an optional major medical supplement. This traditional plan allows you to seek medical attention from any healthcare provider of your choice and provides benefits on a fee-for-service basis. This plan is available in certain counties of PA only.

Student Health Insurance

Offered to college students under age 26 who want comprehensive coverage at a lower cost. This plan is only offered to residents and students of Bucks, Chester, Delaware, Montgomery, or Philadelphia counties. This plan may also be available to students whose residence is in the five-county Philadelphia area attending post-secondary school elsewhere.

Sole Proprietor Health Insurance

Available through associations, such as a Chamber of Commerce, which can acquire group health coverage through Keystone Health Plan East HMO. It is intended for the self-employed who do not have any employees.

Personal Choice 65

A Medicare Advantage plan which provides a Medicare contract through the PPO (Preferred Provider Organization) network of Independence Blue Cross. You have Medicare benefits with the added services of preventive care, prescription drug coverage and more. Your benefits are greater when seeking care from within the PPO network of health providers. You are free to seek medical care from out-of-network, but those visits can be more costly.

Keystone 65

A Medicare Advantage plan which provides a Medicare contract through a HMO (Health Maintenance Organization) of Independence Blue Cross. You choose a Primary Care Physician from the HMO network and agree to stay within the network for other services. There are no annual deductibles and small co-payments. Keystone 65 Choice – Point-of-Service (POS) Option is available which allows you access to both in-network and out-of-network physicians without a referral. Plans are available in only some counties.

Security 65

A Medicare supplemental plan which helps cover expenses that Medicare does not. There is a choice of four options to choose from, so you will be able to refine your plan according to your needs.

Low Income plans

Include Special CareSM, CHIP, adultBasicSM, and Keystone Mercy Health Plan.

Independence Blue Cross is an independent licensee of BCBS Association in southeastern Pennsylvania.

Independence Blue Cross of Pennsylvania Office Location

1901 Market Street
Philadelphia, PA 19103-1480

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Are you over 65?
Yes   No is not associated with Medicare or the Center for Medicare and Medicaid Services. The Center for Medicare and Medicaid Services has neither reviewed nor endorses this information. This is not a complete listing of plans available in your service area. For a complete listing please contact 1-800-MEDICARE or consult

A Medicare Advantage plan is a health plan provided through a private insurer and delivering Medicare Part A and Part B benefits. A Part D Drug plan is a prescription drug plan provided through a private insurer and delivering Medicare Part D benefits. A Medicare Supplement plan is a health insurance plan provided by a private company that fills in the “gaps” in original Medicare coverage. The sales agent that will be discussing plan options with you is either employed or contracted by an agency that sells Medicare plans, a Medicare health plan, or a Medicare prescription drug plan that is not the Federal government. Submitting our form does NOT affect your current enrollment, nor will it enroll you in a Medicare Advantage plan, Medicare Prescription Drug plan, Medicare Supplement plan or other Medicare plans.

Individual-Health-Plans is not a licensed insurer or agency. We provide free information about insurance companies, products and services; we make no representation, express or implied, of any sponsorship by or any other relationship with any company on this site. Products and services may not be available in all states and no guarantees regarding same are made herein. Quotes are provided through insurance brokers, agents, or other representatives who may or may not be able to obtain quotes from any particular company. We make no representation, express or implied, that a user will be able to obtain an insurance quote from any particular insurance company profiled on this site.

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