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

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Have a qualifying life event?

Certain changes in your life can make you eligible to apply for coverage through a special enrollment period.

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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 pdf icon download a PDF comparing the two platinum plans.


Office Visit

Specialist Visit


Pediatric Benefits

Prescription Drug Benefits


pdf icon Keystone HMO Platinum




pdf icon Dental
pdf icon Vision

pdf icon Rx


pdf icon Personal Choice PPO Platinum

$10 in network; 50% after deductible out of network

$40 in network; 50% after deductible out of network

$300/day in network; 50% after deductible out of network

pdf icon Dental
pdf icon Vision

pdf icon Rx


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.

Additional information

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.