If you lose your job or no longer have access to health insurance, you may still have options for continuing your health care coverage.
Personal Choice®
If you no longer have coverage through an employer and want to continue your benefits with a PPO plan, we offer Personal Choice for individuals. With Personal Choice, you can receive care from any provider without a referral.
Covered benefits include:
- primary and specialist care;
- preventive care;
- hospitalization;
- emergency and urgent care;
- prescription drugs.
This plan is a “guaranteed coverage” plan, meaning that you may not be denied coverage in this plan due to a prior health condition. A preexisting condition exclusion period may apply, however. If you transfer directly from another Blue Cross® and Blue Shield® plan without a lapse in coverage, the preexisting condition exclusion period may be reduced or eliminated.
To learn more about preexisting condition exclusions and what qualifies as a Blue-to-Blue transfer, review the Creditable Coverage FAQ.
Learn more about Personal Choice.
To find out more about your options for health care coverage, call IBC Customer Service at 1-800-ASK-BLUE (1-800-275-2583).
Other options
If you are losing your IBC group coverage or your COBRA is about to expire, you may be eligible for coverage through a conversion plan. In addition, if you are losing group coverage through another carrier, you may be eligible for a HIPAA continued-coverage plan. Call 1-800-ASK-BLUE (1-800-275-2583) for more information.
If you recently lost your job, COBRA may be an option for you. COBRA allows you to temporarily continue with the same health benefits as you had with your employer plan. It’s available to most employees whose coverage has been terminated. If your employer has 20 or more employees, visit www.dol.gov and search for COBRA. If your employer has fewer than 20 employees, visit www.pa.gov and search for Mini-COBRA.
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