Before you apply, it’s important that you have the right information handy to help you fill out the application completely. It usually takes no more than 30 – 45 minutes.

What do I need?

You will need the following information for you and each person you would like covered on the plan:

• birth date;
• Social Security number;
• height/weight;
• information on current and past health insurance plans (if applicable);
• medical history, such as: medical conditions you may have, treatment received, and dates of diagnosis, treatment and doctor visits;
• prescription drug information, such as: drug names, dosages, and dates initially prescribed and last taken;
• physician/treatment facility contact information.

What are my payment options?

When you apply online at ibx4you.com, you have the option to pay monthly using electronic payments, or you can select the Bill Me option to pay by check at a later date.

Why must I provide my medical history?

To keep rates more affordable, these plans are medically underwritten. This means we review your current health status and medical history to determine whether you qualify for coverage and to determine your final rate.

You must answer all questions honestly and completely — failure to disclose any health information may result in modification of your policy, refusal to pay claims, or termination back to the original effective date.

If you are eligible for coverage, certain medical conditions may be excluded or an additional premium could be required. People who have been diagnosed with certain conditions may be denied coverage:

• AIDS/HIV
• cancer
• chronic obstructive pulmonary disease (COPD)
• congestive heart failure
• Crohn’s disease
• diabetes
• cystic fibrosis
• emphysema

This list is not all-inclusive, as other conditions may apply. If you don’t qualify for one of our medically underwritten plans, learn about our guaranteed enrollment plans.

Independence Blue Cross offers products directly, through its subsidiaries Keystone Health Plan East and QCC Insurance Company, and with Highmark Blue Shield – independent licensees of the Blue Cross and Blue Shield Association. Serving the health insurance needs of Philadelphia and southeastern Pennsylvania.