ibx4you.com Affordable Health Plans for Individuals and Families from Independence Blue Cross

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1-888-475-6206

Independence Blue Cross Health Insurance Plans

Open enrollment for 2015 health coverage is closed. However, you can still apply for health coverage or change your 2015 plan if you have certain changes in your life — known as qualifying life events — including loss of insurance through your employer, marriage, the birth or adoption of a baby, or a recent move into a new coverage area. If you believe you qualify but do not see your life event listed above, please call us at 1-888-475-6206.

See If You Qualify

You can choose from and compare over fourteen types of unique health insurance plans from Independence Blue Cross based on your coverage needs, preferred provider access and how much you can afford to cover the cost of health care. To be eligible for one of our plans, you must be a resident of Pennsylvania and live in one of the following counties served by Independence Blue Cross: Bucks, Chester, Delaware, Montgomery, or Philadelphia.

Select one of the health plans below to get started and learn more.

Keystone HMO Proactive Plans

Keystone HMO Proactive plans offer you lower premiums and out-of-pocket costs than a typical HMO (Health Maintenance Organization) plan because they feature a tiered network, which allows you to pay lower out-of-pocket costs when you see Tier 1 or Tier 2 providers.

Keystone HMO Proactive Plans highlights:

  • Most affordable Gold and Silver health plans
  • In-network coverage
  • Primary care physician coordinates your care and refers you to specialists
  • Prescription drug plans include Preferred Pharmacy and Mandatory Generic benefits
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Keystone HMO Proactive features a tiered provider network and RX coverage through 50,000 participating pharmacies

PPO Reserve Plan with an HSA

PPO Bronze Reserve gives you the option of opening a tax-advantaged HSA (health savings account) that helps you save money for qualified medical expenses.

PPO Bronze Reserve Plan highlights:

  • One of our most affordable Bronze health plans
  • In- and Out-of-network coverage
  • Freedom to see any doctor without referrals
  • Can be paired with a tax-advantaged HSA
  • Prescription drug plans include Preferred Pharmacy and Mandatory Generic benefits
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PPO Bronze Reserve allows you to select in network and out of network doctors, RX coverage through 50,000 participating pharmacies, and offers a health savings account

Keystone HMO Plans

Keystone HMO plans offer you in-network coverage and are available in platinum, gold, silver, and bronze coverage levels.

Keystone HMO Plans highlights:

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Keystone HMO offers you in-network providers, and RX coverage with a choice of 50,000 or 68,000 participating pharmacies

Personal Choice PPO Plans

Personal Choice PPO gives you the ultimate in flexibility with the freedom to see any doctor without referrals, and in-network coverage available across the country.

Personal Choice PPO Plans highlights:

  • In- and out-of-network coverage
  • Freedom to see any doctor without referrals
  • PPO Platinum Complete plan includes dental and vision coverage for adults
  • PPO Silver plan includes vision coverage for adults
  • PPO Platinum, Gold, and Silver plans include the full FutureScripts pharmacy network, while PPO Bronze plans use the Preferred Pharmacy network
  • PPO Bronze plans also include the Mandatory Generic benefit
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Personal Choice PPO allows you to select in network and out of network doctors, and RX coverage with a choice of 50,000 or 68,000 participating pharmacies

Catastrophic Health Plan

You may qualify for our Personal Choice Catastrophic plan if you’re under age 30 or qualify for an exemption due to extreme financial hardship or discontinuation of a current plan that is not compliant with the Affordable Care Act.

Catastrophic Health Plan overview:

  • Most affordable health insurance plan
  • Good for people who need “just in case” coverage
  • In-network coverage only
  • Freedom to see any doctor without referrals
  • Prescription drug plans include Preferred Pharmacy and Mandatory Generic benefits
Learn More

Personal Choice Catastrophic offers you in-network providers and RX coverage through 50,000 participating pharmacies