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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Dental, hearing, and vision

Dental, hearing, and vision benefits are built in to all of our Pennsylvania Medicare Advantage plans at NO additional premium. All members receive access to benefits such as:

  • $0 in-network copay for oral exam and teeth cleanings once every six months if provided by an in-network United Concordia dental provider
  • Annual allowance for comprehensive dental services available on most plans
  • $0 in-network copay for one routine eye exam every year if provided by a Davis Vision provider
  • One pair of eyeglass (frames and lenses) or contact lenses per year, up to the covered allowance amount, when purchased from Visionworks® or a Davis Vision provider
  • $0 in-network copay for one routine hearing exam every year if provided by a TruHearing® provider
  • Unlimited hearing aid fitting and evaluations every year — at no cost through TruHearing

Learn more about 2023 routine dental, hearing, and vision coverage by reviewing your 2023 Evidence of Coverage (EOC).

Visit our Find a doctor, dentist, or pharmacy page to find a participating United Concordia dentist, TruHearing provider, or Davis Vision provider.

Primary care physician

Visit any primary care physician (PCP), or family doctor, in your plan’s network and pay a low copay.

Find a doctor

For Keystone 65 HMO members, your PCP will tell you where to go for laboratory services. You can locate this designated site information on the front of your ID card.

Preventive screenings

Regular checkups and screenings can help spot health conditions before they become problems. Certain preventive screenings, such as breast cancer and colorectal cancer screenings, will have a $0 copay even if they become diagnostic.

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

Virtual care

Medical visits. Physicians are available 24/7 to treat non-urgent medical conditions (e.g., COVID-19, cold, flu, allergies, etc.) when your PCP isn't available.

Behavioral health visits. Behavioral health specialists can help treat mental and behavioral health issues such as depression, anxiety, loss and grief, stress, and challenges of everyday life, and relationship problems. Schedule recurring visits with the same therapist or psychiatrist for each visit. Weekend and holiday appointments may be available. Convenient access to scheduling appointments based on providers’ specified hours.

Dermatology consultations. Available via the MDLIVE portal 24/7. Dermatologists can diagnose and treat skin, hair, and nail conditions. No appointment needed. Members upload and send an image of their condition to a dermatologist through the MDLIVE secure portal.

Current Medicare Advantage members have access to board-certified doctors for medical, and behavioral health services through MDLIVE, copay may apply.

Access to the MDLIVE portal and scheduling support is available 24/7, 365 days per year. To schedule, visit or call 1-888-961-4188 (TTY: 1-800-770-5531).

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.

Fitness membership

New for 2023! Stay active with a no cost physical and cognitive fitness membership through One PassTM! Access the largest Medicare Advantage national fitness network, including YMCAs, boutique studios, yoga, Pilates and spinning studios, and virtual classes. You will also have access to more than 20,000 free social events, an On-Demand library, live virtual events, and free access to fitness platforms such as Burnalong, Les Mills, and Yogaworks. Also included with One Pass is BrainHQ — the brain training program that helps members thrive. To learn more about your new fitness benefit and find a gym near you, visit

As an Independence Medicare Advantage member, you will continue to have access to your current fitness benefit through SilverSneakers® until the end of 2022. Beginning January 1, 2023, you can create a One Pass account and get your member code, which will give you access to both in-person and online programs.

Personal health visit

Independence members have access to Personal health visits (PHV), which 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 in the comfort of the home 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 may receive a call or a flier in the mail 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 an Independence Medicare Advantage member, you’re invited to earn and redeem gift cards from some of your favorite retailers.

We created this program to make it easy — and extra rewarding — to stay healthy. It all starts with an annual wellness visit available at no cost to redeem your first reward. And new for 2023, you can earn more by redeeming rewards for certain preventive care or social and lifestyle activities.

To get started, register or log in to our member site at or call New Ocean Health Solutions at 1-877-268-3646 (TTY/TDD: 711), Monday through Friday from 8 a.m. to 6 p.m. We have contracted with New Ocean Health Solutions, an independent company, to assist with your Independence health rewards program.

For details on how to earn, report, and redeem your rewards, download our 2023 rewards program overview with details on how to get started in three easy steps, and a list of available activities. Keep it handy as a quick reference and add up your rewards! For step-by-step instructions access the 2023 Independence health rewards user guide.

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

Update magazine

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

Update Magazine

Registered Nurse Health Coaches and Behavioral Health Case Managers

Sometimes you need a little extra support when managing a chronic condition or complex health situation. That’s when an Independence Registered Nurse Health Coach or Behavioral Health Case Manager who are specialized registered nurses and licensed social workers can help.

Independence offers Medicare Advantage members free, personalized services of a Registered Nurse Health Coach and Behavioral Health Case Manager who will listen to your health concerns and work with you to set, achieve, and maintain your health goals. Health Coaches and Case Managers provide you with an added level of support to help you stay healthy, manage your chronic condition(s), identify emerging risks, follow your doctors' treatment plan, and navigate your health journey. Health Coaches and Case Managers may also refer members to an Independence Social Worker for assistance with community resources.

How to reach a Health Coach or Case Manager

Independence Medicare Advantage members have 24/7 access to a Health Coach or Case Manager for all health-related questions and concerns. Call 1-800-ASK-BLUE (1-800-275-2583; TTY/TDD: 711), after you provide the requested information, say the phrase "Health Coach" to be connected to the next available Health Coach or Case Manager on the line. Health Coaches or Case Managers may also call our members directly to offer assistance if a member has had a recent medical event or a chronic condition for which they are receiving treatment.

You have the right to opt-in or opt-out of these services at any time by simply advising your Health Coach or Case Manager of your wishes. You may also call the number on the back of your ID card and request that you not be contacted by a Health Coach or Case Manager in the future.

One Day University

Experience the joy of lifelong learning! You have access to free, unlimited classes through One Day University. Explore exciting topics through daily live talks and prerecorded lectures from your own home.

One Day University works closely with top professors from various colleges and universities to develop fascinating lectures designed to inform and inspire. And don’t worry there’s no grades, tests, or homework!

Access One Day University at Click “start your free membership now” to create an account and complete your free purchase.

Preapproval/precertification/prior authorization 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 provider gets approval in advance (also known as “prior authorization,” "preapproval," or "precertification") 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, you have a primary care provider (PCP) who is providing and overseeing your care. In most cases, care you receive from an out-of-network provider will not be covered.

For Keystone 65 Focus Rx HMO-POS members, you have a primary care provider (PCP) who is providing and overseeing your care. You may use an out-of-network provider, but coverage is very limited, and you’ll save money by using an in-network provider.

For Personal Choice 65SM members, you can receive care from both in-network or out-of-network providers. 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.

Medical Policy

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

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.

Drugs, alcohol, and tobacco

Spouses and families play a crucial role in helping loved ones stay drug-, alcohol-, and tobacco-free. 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: 6/14/2023