Group Medicare solutions
National scale. Predictable costs.
Retiree health care costs are complex, volatile, and are placing an increasing strain on organizational balance sheets. Independence Blue Cross (IBX) offers fully insured Group Medicare Advantage (MA), Medicare Supplement, and Medicare Part D Prescription Drug Plan solutions designed to safeguard your organization's financial health while giving your retirees reliable, seamless national coverage.
IBX value proposition: Financial stability and risk mitigation
Financial benefit
How IBX delivers
Predictable cost and risk transfer
Our fully insured Group MA model shifts the financial burden of unexpected claims volatility to IBX. Coupled with expert plan management support, this delivers financial stability and demonstrably reduced “other post-employment benefit” (OPEB) liability.
Customizable plan design
Our Group MA solutions can be tailored to mirror your active employee plans, ensuring a seamless transition for your retirees.
Regulatory expertise
We act as your Employer Group Waiver Plan (EGWP) experts, providing critical guidance in navigating complex federal changes, including the Inflation Reduction Act’s Part D redesign.
Concierge support of whole-person care
High-touch onboarding and transition
With a “first impressions welcome line” and detailed welcome programs, our concierge onboarding process ensures that retirees feel supported from day one.
Comprehensive wrap-around value
Our whole-person-health clinical programs and supportive services engage members and help them manage chronic conditions. These include in-home assessments, fitness and wellness programs, personalized care, and caregiver resources.
Mental/behavioral health support
Our expansive behavioral health network and care advocates allow retirees to quickly receive high-quality care for their specific needs, supporting an integrated health approach and lowering costs.
Personalized clinical management
Data-driven insights help members manage chronic conditions, supported by personalized care coordination and dedicated programs designed to keep retirees healthy and out of the hospital.
National reach: Seamless coverage that goes anywhere
Broad access
Our Medicare Advantage PPO plans are backed by the full Blue Cross and Blue Shield (BCBS) PPO networks, accepted by over 90 percent of hospitals and providers nationwide — ensuring seamless coverage wherever your retirees live or travel.
Open-access PPO model
With the same copays in- or out-of-network, your retirees can see any provider that accepts Medicare.
Simplified administration
We provide high-touch transition and administrative support for plan sponsors, removing the burden from HR and benefits teams.