FAQ
51 to 99 Employees

General Questions
About the New Plans

General questions

About the new plans

General questions

Will members have access to the same network of participating doctors and hospitals?
Yes. Members have access to IBC’s expansive network of more than 60,000 physicians and more than 100 hospitals. Keystone DPOS and Personal Choice® PPO plans will also provide coverage for out-of-network providers. Search our provider network.

Will members still be able to take advantage of the Healthy LifestylesSM programs?
Yes. Blue Solutions includes our popular value added Healthy Lifestyles programs including reimbursement incentives for quitting smoking, joining a gym, and losing weight. Members will also be able to get discounts on fitness club memberships, acupuncture, laser vision correction, and much more through Blue365®. We will also continue to offer 24/7 access to a Health Coach.

How is the Blue Solutions Plus portfolio priced?
We designed the plans across price points so that you can select a Blue Solutions product that fits your budget.

What about my dental needs?
Customers will have the option to include dental insurance. There are freestanding dental plans as well as HMO rider options available from United Concordia.

About the new plans

What is Blue Solutions Plus?
Blue Solutions Plus is a portfolio of health care products that promote comprehensive coverage at affordable costs. It was designed exclusively for employers with 51-99 enrolled employees. This portfolio includes comprehensive benefits plans with optional vision and prescription drug coverage.

Why did Independence Blue Cross develop Blue Solutions Plus?
The Blue Solutions Plus portfolio streamlines our product offerings to the most popular Flex-based plan designs. This makes it easier for you to choose the right plan. These programs also meet the new health care reform guidelines. Additionally, the new portfolio will help reduce administrative costs and make our products more responsive to market needs.

How many plans are in the new portfolio?
There are 26 plan options available for employers with 51-99 employees. They include Keystone HMO and Direct POS, and Personal Choice; PPO plans. The plans are grouped into three categories: copay, deductible, and HSA-qualified.

Will the Blue Solutions Plus portfolio be the only products available?
Yes. As of October 1, 2010, we no longer offer the existing Flex copay, deductible, and HSA plans, or the "old" Personal Choice and Keystone products that were sold prior to January 1, 2004. New customers would select from the streamlined portfolio, which includes six available prescription drug plans. However, if renewing customers meet all of the grandfather requirements under the law and do not make any benefit changes they may choose to keep their existing plan.