FAQ: Managing your health plan
If you want to choose a new health plan or add a dependent, you must do so during the Open Enrollment period. If you are currently enrolled in an Independence Blue Cross health plan and want to make demographic changes (such as email address, mailing address, date of birth), cancel your coverage, or remove a dependent from your plan, you may do so at any time by logging in to your account and selecting Request Change. Please note that if you applied for coverage through the Health Insurance Marketplace, you will need to visit Pennie.com to make changes to your health plan.
For health plans purchased on healthcare.gov, the government will automatically update your subsidy. If your income has changed since your last tax filing, visit Pennie.com or contact PennieTM at 1-844-844-8040. It is important that you confirm your subsidy amount with the Marketplace to ensure you are not subject to a tax penalty at the end of the year for a subsidy that was too large and/or to ensure you receive the full amount of financial assistance to which you are entitled.
We encourage you to log in to your account to view your renewal information first. If you enrolled directly with Independence Blue Cross and would like assistance from one of our agents, please call 1-888-475-6206 (TTY: 711). Our licensed agents can assist you with instructions on how to renew your health insurance. If you enrolled through the Health Insurance Marketplace and will be renewing your subsidy, our licensed agents can help you renew your health plan and help you update your subsidy, if necessary.
No. Because vision and dental policies can be purchased all year outside of the open enrollment period, they need to be handled independently from the medical plan renewal. All medical plans renew on January 1 each year, while dental and vision coverage is renewed on a contract year, or one year from the date you purchased the plan. For example, if you have a medical plan with a January 1, 2022, effective date and purchased a dental plan with a February 1, 2022, effective date, you will need to renew your medical plan by December 15, 2021 for a January 1, 2022 effective date, and actively renew your dental plan independently from your medical plan by January 1, 2022, for dental coverage to take effect on February 1, 2022.
If your plan is no longer available, we will send you detailed information on renewing your coverage that includes recommended options to replace your plan with a similar offering. If you have any questions, call us directly at 1-888-475-6206 (TTY: 711), Monday through Friday, 8 a.m. – 8 p.m.
To get up-to-date information about your claims and coverage and manage your benefits, register or log in to the member portal at ibx.com/login. To register, you will create a user ID and a password, and will need your member ID and an email address.