Frequently Asked Questions About Changing and Renewing Your Health Plan
When Can I Make Changes to My Health Plan?
If you want to choose a new health plan or add a dependent, you must do so during the open enrollment period. If you are currently enrolled in an Independence Blue Cross health plan and want to make demographic changes (such as email address, mailing address, date of birth), cancel your coverage, or remove a dependent from your plan, you may do so at any time by logging in to your account and selecting Request Change. Please note that if you applied for coverage through the Health Insurance Marketplace, you will need to visit Healthcare.gov to make changes to your health plan.
How Do I Renew My Health Insurance Plan With a Subsidy?
For health plans purchased on Healthcare.gov, the government will automatically update your subsidy. If your income has changed since your last tax filing, visit Healthcare.gov or contact the Health Insurance Marketplace at 1-800-318-2596. It is important that you confirm your subsidy amount with the Marketplace to ensure you are not subject to a tax penalty at the end of the year for a subsidy that was too large and/or to ensure you receive the full amount of financial assistance to which you are entitled.
How Do I Log In to My Independence Blue Cross Member Account?
If you applied directly with Independence Blue Cross for your health plan, you can access your account from ibxpress.com. Or, you can log in to your account through ibx4you.com. To do so, you will need your member ID or the email address and password used to set up your account when you originally purchased your plan in order to access renewal information.
If you applied through the Health Insurance Marketplace for your health plan, you will need to visit Healthcare.gov and sign in with the email address and password used to set up your Marketplace account when you originally purchased your plan. If you cannot access your account, you can contact the Marketplace at 1-800-318-2596.
Who Can I Contact To Help Me Renew My Health Insurance?
We encourage you to log in to your account to view your renewal information first. If you enrolled directly with Independence Blue Cross and would like assistance from one of our agents, please call 1-888-475-6206 (TTY: 711). Our licensed agents can assist you with instructions on how to renew your health insurance. If you enrolled through the Health Insurance Marketplace and will be renewing your subsidy, our licensed agents can help you renew your health plan and help you update your subsidy, if necessary.
Will My Vision and/or Dental Plan Automatically Renew With My Medical Plan?
No. Because vision and dental policies can be purchased all year outside of the open enrollment period, they need to be handled independently from the medical plan renewal. All medical plans renew on January 1 each year, while dental and vision coverage is renewed on a contract year, or one year from the date you purchased the plan. For example, if you have a medical plan with a January 1, 2016, effective date and purchased a dental plan with a February 1, 2016, effective date, you will need to renew your medical plan by December 15, 2016 for a January 1, 2017 effective date, and actively renew your dental plan independently from your medical plan by January 1, 2017, for dental coverage to take effect on February 1, 2017.
What if My Health Plan Is No Longer Available?
Beginning in 2017, the following changes have been made to the Independence Blue Cross portfolio of health care plans:
- The following plans are no longer offered:
- Personal Choice® PPO Platinum Complete
- PPO Gold Multi State
- PPO Silver Multi State
- Keystone HMO Silver Proactive Value and Keystone HMO Bronze are no longer available through the Federal Health Insurance Marketplace, so you can enroll directly through Independence Blue Cross. However, these plans will no longer be eligible for a subsidy.
- Personal Choice® Bronze Basic is only available for purchase through the Federal Health Insurance Marketplace.
If your plan is no longer available, we will send you detailed information on renewing your coverage that includes recommended options to replace your plan with a similar offering. If you have any questions, call us directly at 1-888-475-6206 (TTY: 711), Monday through Friday, 8 a.m. – 8 p.m.