Live Fearless with the Security of Blue

Unmatched access to doctors and hospitals. Unmatched member satisfaction. A national provider network with powerful reach. For over 75 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.

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Compare your options, see if you qualify for financial help, and enroll today!

Provider Network

Discover the most doctors and hospitals of any plan nationwide.


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.

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. Want to check if your current prescriptions are part of our list of covered drugs? Search the formulary now.

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.

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 illnesses 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 and Blue Shield Association’s (BCBSA) 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 are expanding 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 to motivate you to get and stay healthy

Our wellness reimbursements make moving toward good health easier on your wallet. When you complete certain milestones, you may be eligible to:

  • Get $150 reimbursements on your gym membership.
  • Get $150 reimbursements on an approved weight loss program, including Weight Watchers online.
  • Get $150 reimbursements 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?

The power to take control of your health

IBC’s member portal,, has the tools you need to manage your health. More than an administrative site, features:

  • Information guides, created through our partnership with WebMD®1;
  • Provider and Hospital Finder, including reviews from members, hospital quality data, and a
    Treatment Cost Estimator;
  • Wellness Profile questionnaire for a clearer picture of your health;
  • Programs to track and manage your health information;
  • Digital Health Assistant for customized health and wellness advice.
Love the features of, but need it on the go?

1.WebMD is an independent company offering online health information and wellness education to Independence Blue Cross members.


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 IBC 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 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

Get the most from the security of Blue

Whether you’re looking for individual, group, or Medicare coverage, we have customer-focused plans that serve your needs. With an Independence Blue Cross plan, you’ll get access to one of the most expansive provider networks in the area. You’ll also get coverage for services such as preventive care, doctor visits, and emergency care, as well as valuable extras such as wellness programs and online health tools. Explore our plans today and discover the advantages of choosing Blue.

  • Individual and Family

  • Group

  • Medicare


Individual and Family Health Insurance Plans

Get the peace of mind that comes with knowing you and your family are covered under a health insurance plan that complies with the new health care law. When you purchase an IBC individual or family plan, you can be sure that:

Choose from 13 affordable health plans that cover all four metallic levels of coverage—platinum, gold, silver, and bronze — and include PPO and HMO plans, as well as more affordable plans with a health savings account (HSA), or a tiered provider network.

Find out which individual or family plan is right for you.

Group Health Insurance Plans

Find the right group health insurance plan, regardless of the size of your business. With a range of affordable health plans that are all compliant with the new health care law, we customize our plans to the size and specific needs of your business.

And, you can save even more with our cost-effective group health plans, including our new tiered provider network plans and defined contribution plans.

Choose the size of your business to learn more about the health plans we offer in that category.

2-50 employees | 51-99 employees | 100+ employees

Medicare Insurance Plans

If you’re looking for a Medicare Advantage plan, explore the variety of medical and supplemental drug plans that Independence Blue Cross offers. With six Keystone 65 HMO plans, two Personal Choice 65SM PPO plans, as well as several supplemental plans that cover extras such as prescription drug, vision, dental, and hearing coverage, you’re sure to find a plan that covers your specific needs.

And, with a special focus on customer service, Independence Blue Cross goes the extra mile in making sure you get the personalized attention you deserve from a Medicare Advantage plan.

Discover the benefits of choosing an Independence Blue Cross Medicare Advantage plan.

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 for care provided by in-network providers. Services provided by in-network providers 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, in-network 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, IBC 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 IBC covers the rest if network provider.
  • 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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© 2013 Independence Blue Cross.

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

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