Employer health plans

Medicare plans for retiring employees

As your employees retire, you can show your appreciation for their service by offering them a high-quality Independence Blue Cross (Independence) Medicare plan.

And because they’ve had health insurance from Independence, it makes sense for their group Medicare plan to come from Independence, too! Here’s why:

  • Authentic, local coverage from a company with 85 years of experience serving the Philadelphia 5-county area
  • Knowledgeable, dedicated account management from representatives you know and trust
  • Seamless conversion from your retirees’ current plan to an Independence Medicare plan
  • Cost savings compared to buying an individual Medicare plan
  • Top-rated Medicare Advantage plans — Keystone 65 HMO and Personal Choice 65SM PPO
  • Enhanced Medicare Supplement plans for certain markets
  • Flexible funding arrangements
  • Tax advantages for employer-sponsored plans

Independence Medicare Advantage plans

  • Medical and prescription drug coverage combined in one plan
  • Our area’s largest network of providers and hospitals
  • No-cost membership in One PassTM — the largest Medicare Advantage national fitness network accepted at more than 24,000 locations, including all local YMCAs; boutique studios; yoga, Pilates, and spinning studios; and more; over 32,000 on-demand library and livestreaming fitness classes; and free access to fitness platforms such as Burnalong, Les Mills, and Yogaworks
  • Convenient access to board-certified doctors, dermatologists, and behavioral health specialists through the MDLIVE® telemedicine benefit
  • No referrals needed to see a specialist

Keystone 65 HMO

  • Rated 5 out of 5 stars by Medicare for both 2022 and 2023
  • $0 premiums with some plans
  • Extra care for people with certain chronic health conditions

Personal Choice 65 PPO

  • Rated 4 out of 5 stars by Medicare for 2023
  • Flexibility to see any doctor, in or out of network
  • Coverage that travels with you

Independence Medicare Supplement (MedigapFreedom) plans

  • Cover gaps in coverage not addressed by Medicare parts A and B
  • May help cover copayments, coinsurance, and deductibles
  • Hearing and vision coverage included

Note: Part D prescription drug coverage is not included, so a Part D plan must be purchased separately.

Select Option Prescription Drug Plan

  • Creditable prescription drug coverage designed to complement MedigapFreedom
  • Several coverage options to fit various needs and budgets
  • Access to thousands of in-network pharmacies
  • Convenient home delivery option

Take the next step

There are so many advantages to offering your retiring employees a Medicare group plan from Independence. We’d love to answer any questions you might have.

To request a quote or schedule a meeting, email us at medicaregroupsalesinquiries@ibx.com today. We look forward to speaking with you!



Every year, Medicare rates Medicare Advantage plans using a 5-star system. Keystone 65 HMO was rated 5 out of 5 stars for 2023, and Personal Choice 65 was rated 4 out of 5 stars. Independence Blue Cross offers products through its subsidiaries Independence Hospital Indemnity Plan, Keystone Health Plan East and QCC Insurance Company — independent licensees of the Blue Cross and Blue Shield Association.