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.
Dental, hearing, and vision
Dental, hearing, and vision benefits are built into all 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 a United Concordia dental provider
- An annual allowance for comprehensive dental services (varies per plan)
- $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
Learn more about 2023 routine dental, hearing, and vision coverage by reviewing your 2023 Evidence of Coverage (EOC).
Visit our Find a Provider tool to search for an in-network United Concordia dentist, TruHearing provider, or Davis Vision provider near you.
Primary care physician
Visit any primary care physician (PCP), or family doctor, in your plan’s network and pay a low copay.
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.
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 ibxmedicare.com/carecard.
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.
Stay up to date, without all the paper. Get coverage info, personalized screening reminders, and tips for maximizing your benefits through email and text.
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.
Current Medicare Advantage members are eligible for the SilverSneakers fitness program, offered at no additional cost. Members can work out at home or at more than 15,000 fitness locations. To find fitness locations, request your SilverSneakers ID card, or get additional details, visit silversneakers.com or call 1-888-423-4632 (TTY: 711), Monday through Friday, 8 a.m. to 8 p.m.
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 a Medicare Advantage member, you may be eligible to 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. Then, you can redeem rewards for certain preventive care services. And new for the 2022 program, you can earn even more for participating in nutrition and well-being activities.
To get started, register or log in to our member site at ibx.com 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 instructions on how to earn, report, and redeem your rewards, please view our user guide.
*Terms and conditions apply. See https://rewardsgenius.com/reward-link-terms-of-service for more information. Reward values may change at any time.
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!
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 onedayu.com/ibx. 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.
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.
- The National Institute on Drug Abuse — Resources for families
- Find the nearest Drug Take-Back Site where you can dispose of unused prescriptions.
- Al-Anon family groups — 1-888-425-2666
- Nar-Anon family groups — 1-800-477-6291
- Prescription Opioids: What you need to know
- Poison Control — 1-800-222-1222
- Veterans Crisis Line — 1-800-273-8255 and press 1
- National Suicide Prevention Lifeline — 1-800-273-TALK
Tobacco: Smokefree.gov 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 Anonymous — 1-212-870-3400 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: 8/22/2022