With our Individual HMO plans, you and your family can get the benefits you need, at a price you can afford, from the name you know and trust – Independence Blue Cross. Choose from a variety of copay plans for predictable costs or our deductible plans for lower premiums.

Features of Individual HMO:

• premiums as low as $76 a month;¹
• primary and specialist care;²
• emergency and urgent care;
• prescription drug benefits;
• birth control pills, annual OB/GYN exams, mammograms;
• coverage for routine eye exams, eyeglasses, and contacts;
• value-added Healthy Lifestyles^SM rewards for fitness memberships, weight management programs, and smoking cessation programs;
• no claim forms to complete and convenient electronic referral process.

Independence Blue Cross — the greater Philadelphia region’s most trusted name in health care.

Important notice regarding Individual HMO

These are medically underwritten programs, so coverage is not guaranteed and some applications may not be approved based on medical conditions. As a medically underwritten product, acceptance and rates are based on your health status. There is no automatic transfer from any existing Keystone, Personal Choice, or other Independence Blue Cross Plan, into the individual medically underwritten plans.

In addition, the HMO plans are subject to a preexisting condition exclusion. Coverage for any preexisting condition, illness, or injury for which medical advice or treatment was recommended or received within the 90-day period that precedes the effective date of coverage is excluded for the first 12 months.

There is no waiver of the preexisting exclusion provision. Certificates of Creditable Coverage from a group plan are not applicable for these products. Even if you have been continuously insured under another plan prior to applying with us, the preexisting exclusion provision will apply to any approved application.

Applications take time to process, so you should maintain your current coverage until we notify you that your application has been approved.

Independence Blue Cross offers products directly, through its subsidiaries Keystone Health Plan East and QCC Insurance Company, and with Highmark Blue Shield — independent licensees of the Blue Cross and Blue Shield Association.
 
¹Preliminary quote. Final rate quote and approval of coverage is dependent on medical underwriting. Approval is not guaranteed and some applications may not be approved based on medical conditions.
 
²Certain services are not covered. Please note that mental health and substance abuse benefits are not available with these plans.