Stay healthy
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Health and wellness

Living a healthy life starts with taking good care of yourself. And keeping your life in step with good health doesn't have to be tricky. Explore the wide range of resources, support, and services available to our Medicare Advantage members.

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Understanding your network

You have access to a large provider network of doctors, hospitals, and health care facilities in our area.

Keystone 65 HMO members

As an HMO member, your health plan only covers care received from in-network providers. However, out-of-network emergency care is covered for medically necessary services for emergency care. Keystone 65 Focus HMO-POS members have an annual point-of-service maximum that can be used towards out-of-network care, but they'll pay less for in-network care. Please note that the Keystone 65 Focus plan uses a defined network that is a subset of our Keystone 65 HMO network.

You are required to receive in-network laboratory services (like blood work) at a site your PCP chooses. You can view your PCP's designated site on the front of your member ID card or by logging into

Watch these videos to learn more about how your health plan works.

Personal Choice 65 PPO

As a Personal Choice 65 PPO member, you have the freedom to choose any doctor or hospital in or out of the network. But you'll pay less by selecting a doctor or hospital in the network.

Watch this video to learn more about how your health plan works.

Dental, vision, and hearing

Maintaining oral, vision, and hearing health is essential to staying healthy. That’s why dental, vision, and hearing benefits are built into all of our Pennsylvania Medicare Advantage plans — at NO additional premium.

Taking care of your oral health can help detect and manage problems that could otherwise lead to more serious health issues down the road. Taking care of your vision can help prevent falls and maintaining good hearing can reduce your risk of social isolation and dementia.

All members receive access to benefits such as:

  • $0 in-network copay for oral exam and teeth cleanings once every six months when 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 when provided by a Davis Vision provider
  • One pair of eyeglasses (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 when provided by a TruHearing® provider
  • Unlimited hearing aid fitting and evaluations every year — at no cost through TruHearing

Learn more about 2024 routine dental, vision, and hearing coverage by reviewing your 2024 Evidence of Coverage (EOC), Keystone 65 HMO dental/vision/hearing guide, or Personal Choice dental/vision/hearing guide.

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

Primary care physician

Primary care is an important part of staying healthy. A primary care physician (PCP) provides basic medical care and regular checkups, oversees coordination of other health care services, and is the first to treat any health problems that arise. Your PCP will get to know your health history and medical issues. And they can serve as your key partner in taking care of your health.

To learn more about how to get started and the importance of primary care, view our Primary Care Journey flyer.

For Keystone 65 HMO Members: You are required to choose a in-network PCP, or family doctor and notify us of your choice. No matter which in-network PCP you choose, your copay will be $0, and you won't need a referral to see a specialist.

To choose your PCP online, log in or register at Click on the My Care tab and select Choose my Primary Care Physician from the drop-down menu.

To choose your PCP by phone, call our Member Help Team.

For Personal Choice 65 PPO Members: Though it isn't required, you may want to select a doctor as your PCP. Your PCP is the person who will coordinate your care. Regardless of whether you choose a PCP or not, you don't need a referral to visit a specialist. You’ll pay less by selecting an in-network PCP or specialist.

To find in-network doctors, hospitals, and other health care centers use our Online Provider Finder tool.

Care in your home

Receive care right where you’re most comfortable, your home. Below are home-based primary care and virtual care options that are available through your Independence Blue Cross plan.

Primary care

Good primary care is fundamental to your health and well-being, but sometimes getting to a doctor’s office for a visit can be a challenge. That’s where Patina can help. They offer comprehensive primary care that comes right to you and is just for adults 65+.

As experts in this phase of life, Patina takes the time to know you and create a care plan tailored to you. The best part is that their care comes right to you, in the comfort and convenience of home or wherever you are, through both virtual and in-home visits. Whether you’re active and healthy or managing more complex conditions, Patina is there when you need them (including 24/7 if care is needed after normal business hours).

  • A dedicated, physician-led care team: Your team includes a primary care practitioner, a health champion, and a nurse champion, who deliver high-quality care and help you with legwork.
  • Support for your total health and well-being: Patina supports all your needs: physical, emotional, and social.
  • Easy access, immediate appointments: Reach your care team anytime through easy-to-use web and mobile apps, phone, or chat.

Patina primary care is available at no extra cost beyond your standard in-network primary care physician copay.

Learn more about Patina.

Other providers are available in our network.


It’s not always easy or convenient to go to a health appointment. With Teladoc Health, you get quality care for non-emergent general medical, mental health, and dermatology conditions. Connect virtually from your home or when traveling via your computer, tablet, or smartphone, at no cost.

  • General medical care: You have 24/7 access to board-certified doctors who can diagnose and treat non-emergency conditions such as sinus infections, flu, sore throats, allergies, earaches, pink eye, and more.
  • Mental health care: Schedule visits with a licensed therapist, psychologist, or psychiatrist and get support for depression, anxiety, stress, grief, and more.
  • Dermatology: Connect online with a board-certified dermatologist who can provide timely answers to questions about new or chronic skin conditions like rashes, acne, eczema, and rosacea.

Visits are available in several languages through an interpreter, including American Sign Language (ASL).

Learn more about the Medicare Advantage telemedicine benefit.

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.

Preventive care

Many health conditions are easier and less expensive to manage when they’re detected early. That’s why visiting your primary care provider (PCP) and embracing preventive care is so important!

Your Independence Medicare Advantage plan covers many preventive screenings, tests, and vaccines at no cost to you, including:

  • Bone density screening
  • Breast cancer screening
  • Colorectal cancer screening
  • Diabetes screenings
  • Kidney health evaluation (blood and/or urine tests)
  • Routine/diabetic eye exam
  • Immunization vaccines (e.g., flu, pneumonia, and COVID-19)

Talk to your PCP about what steps are right for you.

View the full list of preventive screenings, vaccines, and other preventive care services on

IBX Care Card

Your IBX Care Card is a convenient way to save money and access your over-the-counter (OTC) benefit and — NEW for 2024 for select plans — dental, vision, and hearing (DVH) flex benefit. Your IBX Care Card is separate from your member id card and comes activated — simply swipe your card and select credit — no pin is needed!

Over-the-counter (OTC) benefit

Your OTC benefit includes a quarterly allowance preloaded on your IBX Care Card to spend on eligible OTC health and wellness items at participating retailers. Use your allowance to pay for things like cold and allergy medications, first aid supplies, blood pressure cuffs, and more. View our top 30 OTC products available for purchase.

Shop at a participating store or from home!

Learn more about the OTC Benefit and your quarterly allowance.

Dental, Vision, Hearing (DVH) Flex benefit

In addition to the OTC benefit, Keystone 65 Basic Rx HMO, Personal Choice 65 Elite Rx PPO, and Personal Choice 65 Prime Rx PPO plans receive a $300 annual allowance preloaded on their IBX Care Card to pay for services or supplies provided by any licensed dental, vision, or hearing provider that accepts your IBX Care Card.

Learn more about the DVH Flex Benefit.

Have questions about your IBX Care Card and how it works?

Take a look at our Frequently Asked Questions for answers! Or call the Member Help Team.

To check your card balance, visit, use the OTC Network mobile app, or call the phone number on the back of your IBX Care Card, 24/7.

For help using or the OTC Network App view this user guide.

Fitness membership

Stay active with a no-cost fitness membership through One PassTM!

A One Pass membership gives you access to a variety of physical, social, and mental fitness programs. You can visit one of the many gyms in the One Pass network (including all local YMCAs), take in-person or virtual classes, attend social events and classes, receive a fitness kit shipped right to your door, get access to BrainHQ, a brain-training program, and more!

Getting started with One Pass is simple.

Create a One Pass account to get your unique One Pass member code and access to all that One Pass offers, both in person and online.

To get started visit or call One Pass at 1-877-504-6830 (TTY/TDD: 711), Monday through Friday, 9 a.m. to 10 p.m.

To locate a participating gym near you, Find a gym near you.

Learn more about this fitness benefit.

Personal health visits

Independence has contracted with ComplexCare Solutions, an affiliate of Inovalon, Inc. who specializes in improving health outcomes, to offer you a personal health visit at no cost. A personal health visit can help you stay up to date with your health care in between your regular doctor visits. It is meant to support your overall health in addition to, not as a substitute for, any other doctor’s appointments you have scheduled.

This in-person or virtual appointment is with a licensed medical professional and will last about 45 minutes to one hour. The medical professional will perform a detailed physical exam, review and discuss your health history, and address any questions or concerns you have. They will always share your exam results with your regular doctor.

As a bonus for completing your personal health visit, we are offering you a $50 retail gift card! Participation in this program is not mandatory, and the visit will not affect your health benefits or premiums.

To learn more or to schedule an appointment, visit Keystone 65 HMO members should call 1-877-759-4406 (TTY/TDD: 711), while Personal Choice 65 PPO members should call 1-877-759-4407 (TTY/TDD: 711). ComplexCare Solutions hours of operation are Monday through Friday, 8 a.m. to 8 p.m.

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. Then you can redeem rewards for additional 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 2024 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!

Check out our frequently asked questions for more information.

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

Update magazine

Update magazine is distributed to Medicare Advantage members three times a year and has grown to become a member favorite! Each issue focuses on health and wellness content, including recipes, informative stories, and workout ideas, as well as helpful tips for how members can utilize their benefits.

View our latest issue of Update magazine online by clicking on the image below!

Update Magazine

Registered Nurse Health Coaches and Case Managers

Set, achieve, and maintain your health goals with an Independence Registered Nurse Health Coach available at no additional cost! Members have 24/7/365 access to speak with a Registered Nurse Health Coach.

Health Coaches and Case Managers are specialized registered nurses and licensed social workers who will work with you to:

  • Manage a chronic condition
  • Assist with a complex health problem
  • Address everyday physical and mental health concerns, and more!

Your Health Coach or Case Manager will provide you with an added level of support to help you stay healthy. Health Coaches and Case Managers may also refer members to an Independence Social Worker for assistance with community resources.

To speak with a Registered Nurse Health Coach, just call 1-800-275-2583 (TTY/TDD: 711) 24 hours a day, 7 days a week.

Enhanced Disease Management services

Health Coach services provide extra help to eligible members with chronic health conditions. You may be referred to a Health Coach by your treating physician, or a Health Coach may call you to assess your overall health and well-being.

You have the right to opt in or opt out of Health Coach services. If at any time you wish to end these services, simply advise your Health Coach. You can also call the number on the back of your member ID card and ask that you not be contacted by a Health Coach in the future.

Health coach makes a computer call to a Medicare patient.

Connect with a Health Coach

Learn about our Registered Nurse Health Coach program. Health Coaches are available to provide clinical support 24/7/365.

One Day University

Experience the joy of lifelong learning! Members 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.

Transportation to health visits

For eligible members with both diabetes and congestive heart failure, our transportation benefit provided by Roundtrip makes it easier for you to get to and from your essential health visits at no cost. Receive 24 one-way rides (or 12 round-trip rides) per benefit year to plan-approved facilities. Available for most plans.

Book and manage your rides through the Roundtrip Rider app, or call 1-877-661-1864 (TTY/TDD: 711). Representatives are available 24/7.

Contact our Member Help Team to confirm eligibility.

Learn more about the transportation benefit.


For eligible members who have both diabetes and depressive disorders your grocery benefit through FareRx includes four weeks of grocery deliveries at no cost for a maximum of four weeks per member per benefit year. Available for most plans.

Your grocery deliveries will contain fresh, local produce and food — along with a recipe guide that offers ideas on how to use them.

Contact our Member Help Team to confirm eligibility.

Learn more about grocery delivery.

Visitor/traveler coverage

Personal Choice 65 PPO members are eligible for the optional visitor/traveler benefit, which lets you take extended visits (up to 12 months) to places in the shared Blue Cross®/Blue Shield® visitor/traveler service area. If you visit participating providers in these 48 states and two territories, you'll pay the same cost-sharing amounts as if you received covered benefits from in-network providers at home.

Participating territories include Puerto Rico and the District of Columbia. States that are not participating are Alaska and Wyoming.


Website last updated: 6/18/2024