Individual Plans from Independence Blue Cross

IBC offers three different types of plans - Copay, Deductible, and Health Savings account (H.S.A.). All plans offer comprehensive coverage but what you pay each month depends on what you want to spend when you see the doctor or go the hospital. With the copay plans, you pay a set dollar amount for most services while the deductible and H.S.A. plans help reduce monthly costs by requiring a deductible and coinsurance for certain services.

All plans include:

  • primary and specialist care1;
  • emergency and urgent care nationally and globally;
  • prescription drug benefits;
  • birth control pills, annual OB/GYN exams, and mammograms;
  • network of more than 50,000 doctors and 100 hospitals;
  • cash rewards for fitness memberships, weight management programs, and smoking cessation programs;
  • secure web portal with all of your benefits and claims information in one place;
  • online tools including a health encyclopedia, treatment cost estimators, and more.

1Certain services are not covered. Please note that mental health benefits, substance abuse benefits, and serious mental health treatments are not available with these plans. In addition, the PPO plans do not cover maternity care or routine eye care.

To get a quote: click here.

To apply online: click here.

Important Info from IBC

  • Applicant must be between 18 and 64 years old. Covered spouses must also be between 18 and 64. Any person eligible for Medicare or Medicare disability benefits is not eligible to apply.
  • Domestic partners are not eligible to apply for "individual and spouse" or "family" coverage.
  • Coverage is limited to PA residents in Bucks, Chester, Delaware, Montgomery and Philadelphia counties.
  • All Individual medically underwritten plans are subject to a pre-existing condition exclusion. This means that they exclude coverage for preexisting medical conditions for the first 12 months of coverage. Applicants may be able to waive or reduce the waiting period for a preexisting condition - please contact us for more information on this waiver.

Tips for Completing the Application

  • To ensure timely processing of applications, it is important that all questions on the application are completed and that supporting information such as dates and relevant details for medical conditions, medications, and physician visits are provided for all persons being covered.
  • Be sure NOT to provide an answer of "N/A" for date of last doctor visit and dates of treatment. This is considered incomplete and will delay the underwriting process.
  • A primary care physician must be selected and the HMO ID number of the medical office provided when applying for an HMO plan. You can find participating providers by visiting our provider search website. Family members may select different primary care physicians.
  • Applicants must have a street address. A P.O. Box is not acceptable for a residence address, and the application will be rejected if a proper address is not provided.
  • Dates must be provided for all conditions and medications reported.
  • Be specific when providing medical history. Explain the specific nature of a disease or injury. For example, don't just list "skin cancer" - indicate the type of skin cancer; for a knee injury indicate the degree of injury such as a simple strain or ligament damage, etc.

Sections requiring extra attention
Please pay special attention to these areas of the application, which often have incomplete information.

  • Section G (Other Insurance) frequently has incomplete answers or no answers at all. If you have other insurance, besides naming the company, include the termination or renewal date and indicate if it is a termination or renewal date.
  • Section I (Expectant Parent Information) applies to, and must be answered by all applicants.
  • In Section J (Health-Related Questions), do not leave out dates or detailed explanations of affirmative answers. If you answer "Yes" to any of the questions in Section J, answers in Sections K (Health History Questionnaire for each person applying for coverage) and L2 (Additional Detailed Medical Information) should reflect the appropriate information. For example, if you answer J7 "Yes" because you are on blood pressure medication, then in K6, the high blood pressure question should be answered "Yes", and Section L should include details on the person affected, medications taken, physician information, and last doctor visit for this condition.
  • If questions in Section K are answered affirmatively, then Section L (numbers 1 through 3) should also be answered.
  • Make sure question K 15 is answered. It is the most frequently unanswered question on the paper application.
  • Section L3, is another frequently unanswered section on both the online and paper applications. It is very unlikely that someone has never seen a physician, yet that question is often left blank, even if medical history has been reported.