Platinum Health Insurance Plans
Open enrollment for 2014 health coverage is closed. However, you can still apply for a Platinum health insurance plan during a Special Enrollment Period if you have certain changes in your life — known as qualifying life events — including loss of coverage (due to loss of employer-sponsored coverage, death of a spouse, divorce, or plan being discontinued), 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 or on our Qualifying Life Events page, please call us at 1-888-475-6206.
Platinum health plans offer the highest level of coverage of all metallic plans and cost the most each month. Because you pay more up front, each time you need covered services, the costs will probably be lower.
Good option if you...plan to use a lot of health care services.
Compare Platinum HMO and PPO Plans
View a comparison of our platinum health insurance plans in the chart below or download a PDF comparing the two platinum plans.
Health and Wellness Programs
All Independence Blue Cross plans include our Health and Wellness Programs, which offer value-added reimbursements, discounts, and more to help you and your family make healthier choices. And you get access to our exclusive member website, ibxpress.com, which offers benefits information, health resources, and decision-making tools, all in one convenient location.
Prescription Drug Benefits
All of our prescription drug plans use a drug list called a “formulary” to help determine your copayment for each prescription drug. You can search to see which drugs are on the formulary for each of our prescription drug plans.
Watch this quick video for tips on how to save money on your prescription drugs, plus an overview of important plan features such as mail order service and preferred networks.
Get more information about our pharmacy services.
Review important information to get a better understanding of our individual and family health insurance policies and guidelines and the steps we take to help you receive appropriate covered services.
* FutureScripts is an independent company and serves as IBC’s pharmacy benefits manager.