Independence Blue Cross of Pennsylvania

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All About Independence Blue Cross Blue Shield of Pennsylvania Plan Options

Independence Blue Cross of Pennsylvania offers a range of excellent and affordable plan choices for individuals and families, small businesses and large groups, students, and Medicare supplemental products for seniors.

Independence Blue Cross (IBX) has been serving the health insurance needs of southeastern Pennsylvania and Philadelphia for over 75 years. IBX is an independent licensee of the Blue Cross and Blue Shield Association.

IBX’s Affordable Care Act (ACA) health insurance plans are available both on and off the state exchange with access to an extensive network of doctors, hospitals and health care providers not only in Pennsylvania but nationwide.

Independence Blue Cross offers 13 unique HMO and PPO individual and family health insurance coverage options that all provide the ACA–qualified 10 essential benefits. Select coverage with pediatric, dental, and vision options and prescription drug benefits (varying by plan). Health savings account (HSA) plans are also available.

Choose from four levels of coverage:

Independence BCBS Bronze

Bronze plans work best for those looking to keep premiums low, while not expecting to incur frequent medical charges toward the higher deductible. Lower premiums result in higher out-of-pocket costs, making these plans attractive for healthy adults or those who seek infrequent health care services.

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Plan Name	Hospitalization	Office Visit	Special Visit
Keystone HMO Bronze	0% after deductible	40% no deductible	80% no deductible
Personal Choice PPO Bronze	25% after deductible in network; 50% after deductible out of network	40% no deductible in network; 50% after deductible out of network	50% after deductible in network; 50% after deductible out of network
Personal Choice PPO Bronze Reserve (PPO with HSA)	0% after deductible in network; 50% after deductible out of network	0% no deductible in network; 50% after deductible out of network	0% after deductible in network; 50% after deductible out of network

Independence BCBS Silver

When qualifying for ACA cost-sharing subsidies, you’re required to choose a silver plan to benefit from these discounts. Standard premium subsidies can also be applied to silver plans, which typically offer an economical balance between your monthly premiums and cost-sharing. Silver plans are designed to work with cost-sharing subsidies under the ACA.

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Plan Name	Hospitalization	Office Visit	Special Visit
Keystone HMO Silver	30% after deductible	35% no deductible	70% no deductible
Personal Choice PPO Silver	25% after deductible in network; 50% after deductible out of network	30% no deductible in network; 50% after deductible out of network	70% no deductible in network; 50% after deductible out of network
Personal Choice PPO Silver Reserve (PPO with HSA)	0% after deductible in network; 50% after deductible out of network	0% after deductible in network; 50% after deductible out of network	0% after deductible in network; 50% after deductible out of network
Keystone HMO Silver Proactive	Tier 1: $400/day Tier 2: Subject to deductible and $800/day Tier 3: Subject to deductible and $1,250/day	Tier 1: $20 Tier 2: $35 no deductible Tier 3: $50 no deductible	Tier 1: $45 Tier 2: $70 no deductible Tier 3: $100 no deductible

Independence BCBS Gold

Gold health plans offer a high level of coverage across three plans, including Keystone HMO Gold, Personal Choice® PPO Gold, and Keystone HMO Gold Proactive (IBX’s more affordable tiered HMO network. Gold plans offer a high level of coverage while keeping cost-sharing low.

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Plan Name	Hospitalization	Office Visit	Special Visit
Keystone HMO Gold	$750/day	35% no deductible	70% no deductible
Personal Choice PPO Gold	$750/day in network; 50% after deductible out of network	$20 in network; 50% after deductible out of network	60% in deductible in network; 50% after deductible out of network
Keystone HMO Gold Proactive	Tier 1: $350/day Tier 2: $700/day Tier 3: $1,100/day	Tier 1: $15 Tier 2: $30 Tier 3: $45	Tier 1: $40 Tier 2: $60 Tier 3: $80

Independence BCBS Platinum

Platinum plans work best for those who frequently use a lot of health care services. Although platinum plans have the highest monthly premium compared to the gold, silver or bronze plans, they also offer the lowest out-of-pocket cost for covered medical services.

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Plan Name	Hospitalization	Office Visit	Special Visit
Keystone HMO Platinum	$400/day	$15	$30
Personal Choice PPO Platinum	$300/day in network; 50% after deductible out of network	$10 in network; 50% after deductible out of network	$40 in network; 50% after deductible out of network

Independence BCBS Catastrophic

Catastrophic plans work well for those who qualify for an exemption due to extreme financial hardship. Young adults under the age of 30 can select a catastrophic plan to satisfy ACA requirements. Catastrophic plans have lower monthly premiums than gold plans, but can result in higher deductibles with lower premiums. For this reason, they are a popular choice among young, healthy adults.

Specialty Services

Independence Blue Cross also offers additional products and services for your health insurance coverage such as:

Vision plans
Dental plans
Travel plans

Independence Blue Cross Promoting Health & Wellness

Independence Blue Cross promotes health and wellness services for its members by offering exclusive access and discounts to programs designed to help improve and maintain overall health.

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$150 cash back for tobacco cessation programs, approved weight loss programs and gym fees.

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Get assistance from a Health Coach for health-related questions and concerns.

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Use the WebMD® tools to keep track of your health’s progress.

Ready to sign up for an Independence Blue Cross Blue Shield of Pennsylvania plan?

At HSA for America, we are here to guide you through the many questions that can arise while trying to find the right health insurance plan. Our Personal Benefits Managers partner with you by taking advantage of all of the money-saving tools available, with the goal in mind saving you as much money as possible.

This professional relationship continues on after you have your health plan secured – to ensure your medical needs are being met and your money is being saved.

Helping Thousands Lower Health Insurance Costs Since 2004!

Contact Information:

1001-A E. Harmony Rd #519 Fort Collins, CO 80525
800-913-0172
info@HSAforAmerica.com

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Disclaimer: All information on this website is relayed to the best of the Company's ability, but does not guarantee accuracy. Information may be out of date. The content provided on this site is intended for informational purposes only and does not guarantee price or coverage. This site is not intended as, and does not constitute, accounting, legal, tax, and/or other professional advice. Determination of the actual price is subject to the Carriers.