Our surplus position (i.e., money set aside to pay claims or other related costs in the event of an unexpected economic situation or other emergency) is the barometer of financial stability for Independence Blue Cross. It gives our members confidence in our ability to pay for their medical bills — no matter what.

Why maintain a surplus?

The Philadelphia region is one of the most expensive areas in the nation for health care services. The cost per admission in this region is as much as 11.3 percent higher than the national average.

So it is not only prudent, but also necessary, to maintain a surplus which keeps pace with costs, claims payments, and membership.

Download the Public Information Hearing on Blue Cross Surplus Levels (09/2002)