Our traditional Blue Cross and Blue Shield health insurance programs offer members worldwide coverage and complete freedom to select any doctor or hospital on a fee-for-service basis. Members can use virtually any hospital or doctor, however, benefits are maximized when using a Blue Cross or Blue Shield provider.

About Traditional Blue Cross and Blue Shield Plans

• How the Plan Works
• Frequently Asked Questions

Download a Traditional Indemnity brochure.

Features of Traditional Indemnity:

• freedom to select any doctor or hospital, at any time;
• full hospitalization and medical/surgical services with supplemental major medical coverage;
• worldwide recognition of the Blue Cross symbol;
• Healthy Lifestyles^SM incentives and reimbursements to make lifestyle changes*;
• access to health care providers across the country and around the world.

Contact Us

If you are an existing customer, contact your broker or call 215-241-3400.

If you are not currently an IBC customer, please complete an online information request, or call:

• 215-241-0133 — Groups with 100–999 benefit-eligible employees
• 610-238-6572 — Groups with 1,000+ benefit-eligible employees

* Some wellness programs are not available to members with traditional coverage. For more information about available programs, call the Health Resource Center at 1-800-ASK-BLUE or 215-241-3367. Traditional Hospitalization programs are underwritten or administered by Independence Blue Cross. Traditional Medical-Surgical programs are underwritten or administered by Highmark Blue Shield. Traditional Major Medical programs are jointly underwritten or administered by Independence Blue Cross and Highmark Blue Shield.

For specific information on benefits, limitations, and exclusions, please refer to the applicable benefits materials.