Independence Blue Cross of Pennsylvania (IBC PA)
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 2.7 million members locally and 3.5 million total. 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.
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
Care, CHIP, adultBasic, and Keystone Mercey Health Plan.
Independence Blue Cross of PA Company Rating
Best's
Rating: B+
The financial strength and future outlook of a company are reflected in the ratings above.
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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