Stay healthy
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Health and wellness

Keeping your life in step with good health doesn't have to be tricky. Explore the wide range of information, services, and events available to you.

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IBX Care Card

Medicare Advantage members are eligible to receive an IBX Care Card to purchase over-the-counter (OTC) medicines and health-related items. Your IBX Care Card is prepaid and automatically reloaded each quarter. Your allowance will not carry over to the next quarter if it is not used.

For more information on how the program works, please visit

Telemedicine visits

Get access to a doctor any time of the day or night, over the phone or by video chat. For non-emergency medical conditions such as colds, flu, rashes, and sinus infections, speak with a medical doctor at a $0 copay. You also have access to a licensed behavioral health professional — all for a low $5 copay. Visit or call 1-888-961-4188 (TTY: 1-800-770-5531) for more information.

Middle Aged Man Drinking Coffee And Receiving A Health Insurance Alert Via Text
Middle Aged Man Drinking Coffee And Receiving A Health Insurance Alert Via Text

Get connected

Stay up to date, without all the paper. Get coverage info, personalized screening reminders, and tips for maximizing your benefits through email and text.

Update magazine

Update magazine is delivered several times a year to our Medicare Advantage members. The newsletter covers topics ranging from recipes to informative stories on common health issues to detailed information about Medicare plans. View our latest issue of Update magazine online by clicking on the image below — now including coupons!

Update Magazine


Keystone 65 HMO and Personal Choice 65SM PPO members are eligible for the SilverSneakers fitness program, offered at no additional cost. Members can work out at home or at more than 17,000 fitness locations with all basic amenities and SilverSneakers group exercise classes*, as well as meet new friends and enjoy social activities and events. To find fitness locations, request your SilverSneakers ID card, or get additional details, visit or call 1-888-423-4632 (TTY: 711), Monday through Friday, 8 a.m. to 8 p.m. SilverSneakers also offers the SilverSneakers GOTM app with access to easy-to-follow workout videos. Members can download the free app for iPhone or Android to get started today.

Apple App Store Google Play App Store

*Class offerings, services, and amenities vary by location.

One Day University

Our members get access to One Day University, a web-based, interactive experience that includes live events 5 days/week, and real-time chat with participants and speakers. Listen to hundreds of pre-recorded talks and eLearning at no cost.

Personal health visit program

Personal health visits (PHV) are visits from a licensed health professional. These visits last about an hour and include a brief health assessment. They are a helpful and convenient way to get personalized health advice, and are offered to you at no extra cost. This service is optional, and the visits will not affect your current health insurance benefits or premiums. You will receive a call from one of our health care vendors to see if you’re interested in scheduling a visit.

Independence health rewards*

Doing the right thing for your health is full of rewards. As a Medicare Advantage member, you may be eligible to redeem gift cards from some of your favorite retailers. All you have to do is complete annual preventive screenings and other health activities to maintain your health.

Here’s what’s new this year: We’ve made it easier to track and redeem rewards by adding Independence health rewards to Now, when you log in to your member site, you can manage your rewards, health, and benefits information all in one place. For more information on how to register for the member site on and redeem your rewards, check out this user guide.

Or you may call our vendor for this program, New Ocean Health Solutions, at 1-877-268-3646, Monday through Friday from 8 a.m. to 6 p.m. EST, to learn more and redeem your rewards over the phone.

*Terms and conditions apply. See for more information. Reward values may change at any time.

Drug Management Program

We have a program that can help make sure our members safely use their prescription opioid medications, or other medications that are frequently abused. This program is called a Drug Management Program (DMP). If you use opioid medications that you get from several doctors or pharmacies, we may talk to your doctors to make sure your use is appropriate and medically necessary.

Health Coaches

Sometimes you need a little extra support when you're managing a chronic condition or more complex health situation. That’s when an Independence Blue Cross Health Coach can help.

Independence Blue Cross offers Keystone 65 HMO and Personal Choice 65SM PPO members free, personalized services of a Registered Nurse Health Coach who will listen to your health concerns and work with you to set, achieve, and maintain your health goals. Health Coaches provide you with an added level of support to help you stay healthy, manage your chronic condition(s), identify emerging risk, follow your doctors' treatment plan, and navigate your health journey.

What is a Health Coach?

A Health Coach is available to help you with one or more of the following:

  • Managing chronic conditions such as asthma, diabetes, heart disease, or multiple conditions
  • Coping with a serious illness or accident, like cancer or a stroke
  • Answering questions about everyday health concerns for you or your family
  • Coordinating services needed related to a hospitalization, procedure or illness
  • Understanding your medications and how to safely take your prescriptions
  • Explaining complex health issues, tests or procedures

To reach a Health Coach, call 1-800-ASK-BLUE (1-800-275-2583; TTY 711), after you provide the requested information, say Health Coach. Health Coaches may also outreach to you to offer assistance if you have had a recent medical event or have a chronic condition for which you are receiving treatment.

24/7 health information line

Keystone 65 HMO and Personal Choice 65SM PPO members have round-the-clock access to a Health Coach for all health-related questions and concerns. To reach a Health Coach, call 1-800-ASK-BLUE (1-800-275-2583; TTY 711), after you provide the requested information, say Health Coach.

Preapproval/precertification for services

Some of the services listed in the Medical Benefits Chart included in your Evidence of Coverage (EOC) are covered only if your doctor or other network provider gets approval in advance (sometimes called “prior authorization”) from us.

Some Part B drugs require precertification. Please refer to our precertification list.

Covered medical services and durable medical equipment (DME) that need approval in advance are marked in the Medical Benefits Chart by an asterisk. For more information about prior authorizations and a list of durable medical equipment suppliers, please view our prior authorization section.

For Keystone 65 members, in most cases, care you receive from an out-of-network provider will not be covered. Keystone 65 Focus Rx HMO-POS members, you may use an out-of-network provider, but you’ll save money by using an in-network provider. Your EOC provides more information about requirements for using network providers and the situations when we will cover services from an out-of-network provider. You have a primary care provider (PCP) who is providing and overseeing your care.

For Personal Choice 65SM members, you never need approval in advance for services from out-of-network providers. While you don’t need approval in advance for out-of-network services, you or your doctor can ask us to make a coverage decision in advance.

Medical Policy

For more information regarding our medical policies, visit our Medical Policy Portal.

Drugs, alcohol, and tobacco

Spouses and families play a crucial role in helping loved ones stay drug-, alcohol-, and tobacco-free — and fortunately, there are a number of resources and tools that can help.

Immediate assistance

Help quitting

Tobacco: provides free, accurate, evidence-based information and professional assistance to help support the immediate and long-term needs of people trying to quit smoking.
Alcohol: Alcoholics Anonymous1-212-870-3400 is open to anyone affected by an alcohol-related disorder. There are no age or education requirements.
Drugs: Narcotics Anonymous is an international, community-based association that provides a recovery process and support network for those affected by substance abuse disorders.

Website last updated: 4/2/2021