FAQ
51 to 99 Employees

General questions

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 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 health care reform guidelines. Additionally, the portfolio will help reduce administrative costs and make our products more responsive to market needs.

How many plans are in the portfolio?
There are 35 plan options available for employers with 51-99 employees. They include Keystone POS and Direct POS, and Personal Choice; PPO plans. The plans are grouped into four categories: copay, deductible, HRA and HSA-qualified.

Will members have access to the same network of participating doctors and hospitals?
Yes. Members have access to Independence’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 Plus 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 Plus product that fits your budget.

What about my dental needs?
Employers who select Keystone HMO or POS plans have the option to add a Keystone DHMO rider. In addition, IBC offers United Concordia free-standing dental PPO and DHMO plans.