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Frequently Asked Questions

Frequently Asked Questions About Health Insurance Premiums

What Are My Health Insurance Payment Options?

Independence Blue Cross offers several convenient ways to pay your health insurance bill:

  • e-Bill at ibxpress.com
  • Credit or debit card
  • Personal check or money order
  • Automatic withdrawal from your bank account
  • Moneygram©
  • By telephone at 1-888-879-4891 (TTY: 711)
  • In person at Independence LIVE, our Customer Experience Center at 1919 Market Street in Philadelphia

You can learn more about our payment options at ibx4you.com/payment.

Will My Actual Rate Be Different From My Rate Quote?

All of the health insurance premium rates provided on our website are final rates. If you navigate from our site to the Health Insurance Marketplace and are approved for a subsidy, your subsidy amount will be provided by the federal government to Independence Blue Cross. Your subsidy can be applied to your Independence Blue Cross health plan to reduce your monthly health insurance premium.

How Long Are the Insurance Rates Valid?

Health insurance rates are valid for one year and will be updated annually on January 1.

How Do Electronic Payments Through e-Bill Work?

With electronic payments, you authorize your monthly payment to be automatically withdrawn from your account. It’s a worry-free way to help ensure you won’t miss a payment and risk losing your health insurance coverage. You don’t have to write and send in checks. With electronic payment, your health insurance premium is taken care of even when you’re away on business or vacation. For more details on e-Bill, visit ibx4you.com/payment.

When Will the Initial Payment Come Out of My Account?

Credit and debit card payments are processed for approval at time of purchase. Payment by automatic checking may take several days to complete. Generally, the initial payment will come out of your account within 1–3 business days (which is typical bank processing time). Any payment that fails to clear due to insufficient funds could impact your coverage effective date.

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