Independence Blue Cross Blue Shield of Pennsylvania
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Independence Blue Cross (IBC) has been serving the health insurance needs of southeastern Pennsylvania and Philadelphia for over 75 years. IBC is an independent licensee of the Blue Cross and Blue Shield Association.
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.
IBC’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 Health Insurance Plan Options
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:
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.
| 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 |
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.
| 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 |
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 (IBC’s more affordable tiered HMO network. Gold plans offer a high level of coverage while keeping cost-sharing low.
| 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 |
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.
| 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 |
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.
| Plan Name | Hospitalization | Office Visit | Special Visit |
|---|---|---|---|
| Personal Choice PPO Catastrophic | 100% covered after deductible | Visits 1 – 3: $30 copay, no deductible Visit 4+: 100% covered after deductible |
100% covered after deductible |
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.
Discounts and perks include:
- $150 cash back for tobacco cessation programs, approved weight loss programs and gym fees.
- Get assistance from a Health Coach for health-related questions and concerns.
- Use the WebMD® tools to keep track of your health’s progress.
How to Apply
Instant quotes are available, as well as immediate assistance by calling your HSA for America Personal Benefits Manager today at 800-913-0172.
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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 actual price is subject to Carriers.