Live Fearless with the Power of Blue

Unmatched access to doctors and hospitals. Unmatched member satisfaction. A national network with powerful reach. For nearly 80 years, Independence Blue Cross, a member of the Blue Cross Blue Shield Association, has been leading the way in creating comprehensive, customer-focused plans. Discover how our innovative health management tools, wellness initiatives, and provider networks can help when times get tough and inspire you to get more fit. Choose easy. Feel secure. Live fearless.

Provider Network

Discover the most doctors and hospitals of any plan nationwide.


Search our Formulary to see what brand name and generic drugs are currently included in coverage.


1 in 3 Americans

are covered by a Blue Cross® or Blue Shield® plan

A support system with strength and scale

From your annual well visit with your primary care physician to an unexpected emergency in the middle of the night, the vast network of doctors and hospitals in our provider network is there for you when you need it most. More than just an ID card, our health care plans provide you a number of ways to get the treatment you need.





Continuation of Care

A smooth transition when you need it most

Independence Blue Cross has a process to allow members who are new to the plan and receiving ongoing treatment from a provider who is out of network (non-participating) to easily transition their care to a participating provider in network. During the transition, members can continue to seek treatment from their non-participating provider for a period of 90 days and receive still receive coverage at the in-network level. Once enrolled, members simply need to fill out a request to easily take advantage of this helpful benefit.

For maternity, continuation of care is available to members who are in their second or third trimester on the plan effective date.

You have the doctor, but walk out with a prescription. What now?

Prescription Drug Program

Convenience and quality for your Rx needs

Independence Blue Cross makes it easy to manage your prescription drug needs. Search the formulary now to check if your current prescriptions are covered and at what tier level. Learn more about preventive care drugs available at no cost to you.

Filling your prescription is simple. Our Pharmacy Finder helps you find a participating pharmacy in your neighborhood, or you can utilize our safe and convenient Mail Order Program, which delivers your medication directly to your door, often at a discounted price.

Some medications may require prior authorization to be filled. Search the current list of drugs to find out if yours is one of them.

Sudden sore throat? Twisted ankle? There’s a quick, affordable place for care.

Urgent Care

Care when you need it, without the cost

Sudden illness or injury may have you heading to the emergency room, but emergency care may not be necessary. Urgent care centers exist to provide quality care by board-certified doctors for illness or injury that requires immediate medical attention, but isn’t life-threatening. By using urgent care centers instead of emergency rooms, patients can get the same care for a lower out-of-pocket cost — and the emergency room stays less crowded for those who really need emergency care. To find an urgent care center near you, search the Find a Doctor tool.

But what if you need more extensive care, and don’t know where to turn?

Blue Distinction Centers

Hospitals recognized for their expertise and efficiency in delivering specialty care

The Blue Cross Blue Shield Association’s Blue Distinction program identifies facilities that:

  • Have extensive experience in one or more categories of specialty care
  • Meet rigorous quality standards
  • Consistently demonstrate positive care results

But just being good isn’t good enough. That’s why we expanded the program to include Blue Distinction Center+ designation, reserved for facilities that not only have high quality standards, but do so while controlling costs. To find a Blue Distinction Center near you, simply use the Find a Doctor tool and search Hospitals and Facilities. Facilities that have been awarded either honor will be marked.

Blue plans cover

100 million members

Health management tools and features for wellness

The key to health care isn’t just treating you when you’re sick or injured – it’s about helping you be your best, fittest self to reduce the risk of sickness or injury in the first place. We believe in the power of a single person, armed with the right information and support, to take better control of his or her health. Our health management tools and programs give you support, information, and incentive to get well and stay well year-round.

  • Reimbursements

  • Discounts


  • ibx app


Programs that motivate you to get and stay healthy

Our wellness reimbursements make moving toward good health easier on your wallet.

  • Get $150 back on your gym membership.
  • Get $150 back on an approved weight loss program, including Weight Watchers Online®.
  • Get $150 back for approved programs to help you quit tobacco.

Independence Blue Cross also offers educational programs and guides on stress, pregnancy, infant care, and more.

Want to save even more money?


Get savings for being smart about your health

One of the best ways you can stay healthy is by making the right wellness decisions. Blue365® helps you make healthy decisions for yourself and your loved ones by offering:

  • Discounts on weight-loss and nutrition programs
  • Access to a tailored, personal walking/fitness program
  • Savings on elective procedures like laser vision correction
  • Information on eldercare and caregiver options for parents and dependent family members
  • Information to help plan for health care in retirement and learn about Medicare and long-term care insurance
Looking for a way to manage your health online?

Easily manage your health care benefits with the updated

The Independence member portal has recently been enhanced with streamlined navigation and helpful new features that can help you make the most of your benefits. The updated features:

  • A more user-friendly homepage with easier access to the tools you use most
  • Ask IBX, a virtual assistant that makes it easy to find answers
  • An alerts area for important updates on your plan, referrals, and claims
  • An improved Find a Doctor tool that makes it easy to search for providers
  • My Care, a page where you can make PCP changes, referral requests, and use the Symptom Checker
  • Expanded account settings that enable you to manage subscriber access to claims information
Love the features of, but need it on the go?


No matter where you go, Blue is at your fingertips

With the free IBX app, available for iPhone or Android, you can utilize all the features of your Independence Blue Cross plan, no matter where you are:

  • Find doctors, hospitals, pharmacies, urgent care centers, and Patient-Centered Medical Homes.
  • Access benefit information.
  • Monitor your health with your PHR and My Digital Health Assistant.
  • Track deductibles and spending account balances.
  • Make the most of appointments with the Doctor’s Visit Assistant.

Blues have

the largest provider network nationwide

Getting the most from the Power of Blue

Health insurance doesn’t have to be confusing! We believe educating our members about their benefits as well as the health care delivery system in general can help make understanding health insurance easy. The more you understand about insurance, the better you will become at using it wisely – something that will save you
time and money.

  • how your
    plan works


How your plan works

Levels of coverage and plan types

Levels of coverage

The level of coverage you select is designated by a metallic tier. The metallic tier will determine your premiums, the amount of cost-sharing, and the way you access care.

Type of plan

Plans currently offered through this site are called Preferred Provider Organizations, or PPOs. These are ideal plans if you want the freedom to manage your own care without referrals. With a PPO, you can get care from any provider, either in- or out-of-network, – just make an appointment and show your card when you check in. For the lowest out-of-pocket cost, be sure to choose an in-network provider.

Already a member?

Visit our member engagement site to get personal benefits information and learn more about all the tools and resources available to members.

Have a question?

See answers to members’ most frequently asked questions about our plans and benefits.

Key terms

Commonly used health insurance terms

  • In-network.

    Health insurers negotiate fees and sign agreements with health care providers and facilities, creating a network of providers. Providers that are part of these agreements are considered in-network for members. Generally speaking, members pay less at these in-network facilities in the form of lower copayments and deductibles.
  • Out-of-network.

    Providers and facilities that do not have a contract with a health insurer are considered out-of-network. Services at out-of-network providers and facilities may be more expensive and may not be covered through the health plan.
  • Out-of-pocket-maximum.

    This is the maximum amount that you will have to pay under your plan. Any care for covered services you get after you meet your out-of-pocket maximum will be covered 100 percent.
  • Deductible.

    A deductible is the amount you pay before your health plan starts paying for covered services. For example, if your plan has a $1,000 deductible, you will need to pay the first $1,000 of the costs for the services you receive. Once you have paid this amount, your insurance will begin to pay a portion or all of your health care costs up to the out of pocket maximum, depending on the plan. If you use a participating provider, your costs are based on our discounted rate.
  • Coinsurance.

    Some plans require you to pay a percentage of your medical costs, or coinsurance (for example, Independence Blue Cross will pay 80 percent of the cost for services, you will pay 20 percent). If you use a participating provider, your costs are based on our discounted rate.
  • Copayments.

    Also called a copay, it’s a set dollar amount you pay for a covered health service. For example, if you have a $15 copay for a doctor’s visit, you simply pay $15 and Independence Blue Cross covers the rest.
  • Generic drugs.

    Generic drugs have the same active ingredients as their brand-name drug counterparts. They usually cost less than brand-name drugs and are rated by the U.S. Food and Drug Administration (FDA) to be as safe and effective as brand-name drugs.
  • Brand-name drugs.

    A brand-name drug is a patented, FDA-approved drug usually produced by a single manufacturer with a product name under which the drug is advertised and sold. Newer drugs are usually available only as brand-name drugs. A brand-name drug may have a generic equivalent after the original patent expires.

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Independence Blue Cross is an independent licensee of the Blue Cross and Blue Shield Association.

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