Top 3: Ditch the shore for more in Philly

Art MuseumLike birds flying south for the winter, Philadelphians flock to the shore for Memorial Day Weekend. But for those of you sticking around town, like me, there’s still plenty to do.

Here are our top 3 things to do in Philly during Memorial Day Weekend.

1. Fall in “Love” with fashion and art
As a lifelong Philadelphian, I sometimes forget there’s a world of art and culture at the top of the Art Museum steps (Sorry, Rocky!). If you’re in the neighborhood, it’s a good time to check out Runway of Love, featuring the skinny, body-conscious fashions by the late American designer, Patrick Kelly. The Philadelphia Museum of Art is one of the largest in the country with over 200,000 paintings, prints, and drawings. So, there’s bound to be something that strikes your fancy — even if fashion isn’t your thing.

You can make a day of it and walk down the Parkway to the Barnes Foundation, home to Post-Impressionist and early Modern paintings by famous artists like Renoir and Picasso.

2. Take yourself out to the ballgame
My beloved Fightin’ Phils are taking on the Dodgers at home Memorial Day weekend. Bring your pup for “Bark in the Park” on Saturday night, or get your dog on at “Dollar Dog Night” on Monday. If you’re counting calories, check out the vegetarian, vegan, and gluten-free options. Here’s a list of park favorites and their calorie counts. *Hint: you may want to rethink the Schmitter.

3. Lighten up with a non-traditional BBQ
What’s Memorial Day Weekend without a traditional BBQ with friends and family? Add a twist (and make things easy on yourself) by making it pot luck; you provide the beverages and everyone brings a dish to share. If you’re looking for some healthier alternatives, here are 9 mouthwatering recipes to try. Every recipe on this list is less than 400 calories!

Have a great holiday weekend!

Bonus: Honor our veterans from Philadelphia
Let’s not forget what Memorial Day is all about. The Philadelphia Vietnam Veterans Memorial will hold its annual ceremony honoring the 646 Philadelphians lost during the Vietnam War on Monday, May 26 at 12:30p.m. on Front and Spruce Streets. The Honorable Theresa Anne Tull, a Foreign Service Officer with extensive experience in Southeast Asia, will be the keynote speaker.



I'm a copywriter at IBX. I enjoy Philly sports and know everything there is to know about the Phillies, Eagles, and Flyers. I'm always looking for new ways that I can reach my goal weight. Follow my posts to find out what has worked for me and how it can work for you!

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Can I get health insurance during the “special enrollment period?”

Special Enrollment Open enrollment for choosing a new health plan for 2014 is over, but you may still be able to get coverage if you’ve experienced certain events in your life. From April 1, 2014, to November 15, 2014, a special enrollment period will be available for individuals with a qualifying life event.

You may be eligible to enroll during the special enrollment period if you experience:

  • Loss of coverage: There are several scenarios where you may lose your current health coverage that would make you eligible for a special enrollment period to apply for coverage. For example, if you have health coverage through your job, and lose your job, you qualify for a special enrollment period and can apply for an individual or family plan. Or, if you have coverage through your spouse’s plan and you get divorced or your spouse passes away, you would also be eligible for a special enrollment period. You may also have a plan that is being discontinued due to the fact that the plan is non-compliant with the Affordable Care Act. In this scenario, you would also be eligible for a special enrollment period and can apply for coverage.
  • Birth or adoption of a baby: If you are uninsured or on a competitor’s plan and you have or adopt a baby, you qualify for a special enrollment period and can apply for coverage for you and your family.*
  • Recent move into a new coverage area: If you recently moved, say from California to Pennsylvania, you would qualify for a special enrollment period and could enroll in a new individual or family plan in Pennsylvania.
  • Marriage: If you are uninsured or on a competitor’s plan and you get married, you and your spouse would qualify for a special enrollment period and can apply for individual or family health coverage. *

*Keep in mind that special enrollment applies to prospective members only, so if you already have an Independence Blue Cross (IBC) health plan, and have a baby or get married, you can add your baby or spouse to your current IBC health plan under our normal policy change process.

There may be other unique situations where you can still apply for coverage during the special enrollment period, so if you believe you qualify, but do not see your life event listed above, please call us at 1-888-475-6206.

Enrollment time frame
If you experience one of the life events listed above, you have 60 days from your event date to apply for a new health plan. In some scenarios, you can submit your application early to prevent a gap in coverage. If you experience a loss of coverage, you have the option of applying up to 60 days prior to your loss of coverage. If you move into a new coverage area or get married, you can apply 30 days prior to your move or wedding.

If you do not qualify for a special enrollment period, your next opportunity to apply for coverage is the 2015 annual open enrollment period, which opens on November 15, 2014, for coverage beginning January 1, 2015.


Paula Sunshine

As Vice President of Consumer Sales and Marketing at Independence Blue Cross, Paula Sunshine is accountable for the Individual Under-65 market segment. In this capacity, she is directly responsible for developing and executing all direct-to-consumer marketing and sales capabilities. In addition, Ms. Sunshine is accountable for insuring the delivery of market-competitive products and pricing as well as operational readiness for the Consumer market.

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I finished.

I never thought I would say those two words. Yet here I am, three days later, still surprised that I can say, “I finished.”

Blue Cross Broad Street Run

After the race, rocking my Wonder Women “I am a Fighter” T-shirt!

Let’s rewind for a second. Back in January, I thought it would be a great idea to run the Blue Cross Broad Street Run (BCBSR) — despite the fact that I’ve never entered in any race before in my life. Not a fun run, 5k, 10k, or friendly race around the block. No. I chose the largest 10-miler in the country. In my infinite wisdom, I thought the BCBSR would be the perfect race for an out-of-shape, overweight girl to try her first time out of the gate. (And did I also mention how much I hate running?) I told myself it would help me in my eternal battle to lose weight and get healthy. I convinced myself that this was the best idea ever. So I signed up. I instantly felt butterflies in my stomach, and thought to myself, “What did I just do?”

In the weeks that followed, I trained. I went to the gym and hit the treadmill hard. I did strength training and stretched often. I never went more than two days without going to the gym. Besides me having to tell my boyfriend, mainly because I live with him and needed him to drive me that day, I did not tell my family or many friends I was running the race. When a co-worker asked me why this was such a secret, I said, “What if I can’t finish? What if I fail? It will be bad enough if I disappoint myself, I don’t know if I can handle disappointing others, too.”

On the morning of the race, my boyfriend dropped me off at the starting line. He told me that I would finish this race and he would be waiting for me at the finish line. I went to the pink corral and sat by myself on the curb. My stomach was in knots and my mind was filled with self-doubt. I felt like I did not belong there and I just wanted to go home.

After a while, I looked around and saw all different kinds of runners, and the excitement was electric. The sidelines were packed with supporting spectators, cheering on their family members, friends, or even complete strangers. The mood was so upbeat and positive that it was hard for me not to be positive. It was then that I realized that I wished my mom was there cheering me on. I also made the decision that I would not quit no matter how much I wanted to. I would finish.

When the horn went off, I took off. I jogged, ran, and walked all 10 miles. I passed so many wonderful people along the way. People who I have never met were high-fiving, cheering, encouraging, and pushing me towards the Navy Yard. I even got a high five from Governor Ed Rendell.

When I entered the Navy Yard, I received a text message from my boyfriend. He told me that no matter how tired I was, I would run across that finish line. With that little boost of confidence, I picked up my pace and pushed my tired legs into a run and crossed the finish line. I could not believe it. I did it! I finished the Blue Cross Broad Street Run. I did not quit. I did not let any of the million excuses that flooded my head stop me. I finished. I proved to myself that I could do it.

I am so proud of myself for finishing, but I also know that next year I can do better. I have already signed up for a number of other races so I can get in better shape and crush my time next year. I don’t know if competing in the BCBSR has awaken the inner athlete in me, but it has made me realize that I am capable of so much more than I ever thought I was.

So look out Blue Cross Broad Street Run 2015, I am coming for you! And this time, I am bringing a whole cheering section with me.



I am an internet communications coordinator at IBX. After years of struggling with my weight, I have recently made the commitment to lose the weight and keep it off for good. When I am not at the gym or resisting the urge to have just one Oreo, I can be found reading, sipping a non-fat latte at Starbucks or hanging out with family and friends. Keep checking back as I make my way to my goal weight!

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2014 Blue Cross Broad Street Run Infographic

BCBSR Infographic


IBX Insights Team

Health care delivery is in the midst of reform and rejuvenation — an exciting prospect, but one that can also cause confusion and questions. With IBX Insights we want to be your first line of member-focused information, helping you understand the new health care model, how it affects your quality and cost of care, and the opportunities available through IBX to improve your health. Join the conversation with IBX associates who work every day to make health care more accessible and transparent for you.

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Broad Street Beats: IBX is now
on Spotify!

Like you, we’re counting down the days until the best and biggest 10-miler in the country. The IBX running team is winding down weeks (or months) of cross-training, blisters, long runs, and sore Monday mornings — all for the chance to leap through that finish line.

Sometimes, in the final days before the run, the only way to go that extra mile — hopefully even that 10th mile — is the perfect soundtrack! As our gift to you, we present the official Blue Cross Broad Street Run Playlist, a collection of tunes recommended by IBX runners to help you push through these final training days. Check out our associates’ favorite picks on Spotify, or listen below! They’re specially selected for warming up, cooling down, and for that extra burst of energy in between.

Now That We Found Love by Heavy D & The Boyz
“Perfect song to run/dance (AKA prance) to! You’ll get a burst of energy at any point in your run.”
Kim-Thao Nguyen, Communications Services

Primary by The Cure
“When I feel like I can’t keep going, the drive of Primary (and the memory of how awesome I was in the 80s) pushes me through.”
Jen Tafe-Weindorfer, Communications Services

Run by Vampire Weekend
“Really, any song by Vampire Weekend is upbeat and great to run to, but this one actually tells me to run, so it’s a must for my playlist.”
Ashley Weyler, Communications Services

What I Like About You by the Romantics
“Was a song I loved in high school and listening to it makes me feel 16 again (which helps when this old body is trying to run).”
Kimberly Siejak, CBS Administration

queensGo With The Flow by Queens of the Stone Age
“This song has the perfect beat to keep me on pace. As soon as I hear the intro, I get back on pace and know I can finish the race strong.”
Sarah Matthews, Communications Services

Bubble Pop! by Hyuna
“Catchy song, with a great tempo. Lyrics in Korean will keep you from distraction!”
Michael Holmes, Creative Services

The Gauntlet by Dropkick Murphys
“This song is about overcoming adversity and standing up for your beliefs through solidarity, in the face of suppression and/or oppression… it’s got a pretty motivational message to get you up and running.”
Andrew Fisher, Premier Accounts

Hearts on Fire by John Cafferty
“It is the training montage song from Rocky 4. I like to save it towards the end of my workout for one last final push, thinking I’m Rocky running up the snow covered mountains of Russia.”
John Shermer, Provider Communications

Paper Planes by MIA
“The song keeps me running at a good pace. And when I’m hitting a wall it reminds me of the movie Slumdog Millionaire — so I just replay the movie in my head and try to forget my pain!”
Kathleen Conlon, Public Affairs

Black and Blue by Miike Snow
“It’s got perfect timing on the beats for running a good pace (and it’s catchy).”
David Manzolillo, Creative Services

Hyperparadise (Flume Remix) by Hermitude
“I’ve been really addicted to Hermitude. I stumbled on it via Pandora one day and it’s become one the best songs to hear on my longer runs.”
Heather Falck , Social Mission

Texas by Magic Man
“It’s a song that makes me forget I’m running an extra mile (or 1/3 of a mile).”
Josh Simon, Communications Services

I’m Not Your Hero by Tegan and Sarah
“The reflective lyrics about ‘see[ing] myself at the finish line,’ paired with the inspiring and upbeat tempo, always make me think about all that I’ve accomplished after a long run. It’s been known to get me a little choked up when the runner’s endorphins are high.”
Daina Havens, Worksite Wellness

Tenderness by General Public
“The beat on this song gives me energy.”
Melissa Matyas, Health Services Administrative

I Am the Doctor by Murray Gold & the BBC National Orchestra of Wales
“Do I really need to explain this one???”
Christian Annese, Electronic Communication Services

Let It Go by Idina Menzel
“Because as someone who has struggled with their weight, it is nice to let go of the ‘fat girl’ and embrace my inner athlete, no matter how slow I am.”
Toni –Marie Wise, Communications Services


Kim-Thao Nguyen

I'm an internet communications coordinator at IBX. I believe in a well-rounded, healthy lifestyle, and always find reasons to be active -- whether it's training for the Blue Cross Broad Street Run, exploring Philly on my bike, or running to somewhere, anywhere, that has food.

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A Tale of Two Races: Running with purpose

Red Socks During last year’s Blue Cross Broad Street Run, many runners wore red socks as a symbol of solidarity and support of Boston and its marathoners after the tragic bombings near the Boylston Street finish line. We ran with purpose and pride. We ran along curbs and street corners filled by the cheering friends and fans that came out to encourage us to keep moving toward the finish line. We ran fearlessly. Despite the thousands of unique race numbers pinned to apparel worn by thousands of runners making their way south on Broad Street, we ran as one.

In good company
Two weeks following the 2013 Blue Cross Broad Street Run I qualified for the Boston Marathon. Spring became summer, then fall and then winter. I began a training plan for my first Boston Marathon…and it began to snow. If training for a marathon wasn’t enough of a challenge, the weather certainly was. There was any combination of snow/ice/cold/rain/wind through twelve consecutive weeks of my sixteen-week training plan.

Spring finally arrived and I was in the final weeks of training for Boston. I began to see people running here, there, on a bridge, on a path, in my way. I was more often in their way! Having the company of other runners on sidewalks, paths and trails throughout the city was uplifting. When I was running my longest training miles in preparation for the Boston Marathon, other runners were doing the same in preparation for the Blue Cross Broad Street Run. We were all running.

Looking forward to the Blue Cross Broad Street Run
With the 2014 Boston Marathon now behind me, I look forward to joining the thousands lacing up to run the Blue Cross Broad Street Run. This year is different. Training for these two race distances has been different. I’ve put my hardest efforts into preparing for the Boston Marathon and I am so glad I did. The Boston Marathon was an amazing experience from start to finish. Running the race was physically challenging and the support and encouragement of the crowd was emotionally uplifting. I enjoyed every mile and moment. I am excited to keep the momentum going. I may not run a personal best at the Blue Cross Broad Street Run this year but I will have fun. The races are different but the thousands of runners will do what they do best and rally to the finish – in Boston and on Broad Street. I’m so fortunate for the ability to be a part of both.

What do you enjoy about training for a race? What motivates you through uncomfortable conditions or workouts? What’s your goal for the Blue Cross Broad Street Run?



I am a Foundation Program Analyst for the IBX Foundation. When I'm not writing about running, I'm usually outside running and exploring. My journey is possible because of my giant dog, my encouraging friends and family and many pairs of sneakers. Thanks for tuning in to my never-ending adventures on how I successfully navigate life as a runner.

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What it means to Live Fearless


Chances are you’ve seen him on one of our billboards or in Suburban Station — red cape, oversized yellow goggles, serious little face. He’s ready to take on the world, and nobody can stop him.

That’s what Live Fearless is all about. It’s a call to throw out the “what ifs” and worries and embrace life with the same unshakeable optimism you had as a child.

Health insurance has an emotional resonance that few other products can match. When you think about health insurance, you aren’t thinking about buying a product, you’re worried about having stability and security for yourself and your family.

Live Fearless is an answer to these very real concerns. There’s peace of mind in knowing you’re covered by a health insurance plan you can rely on…and that you don’t have to tiptoe through life wrapped in bubble wrap. We felt like the Live Fearless campaign captured that feeling in a very real way that would speak to people.

Live Fearless is showing up in your pictures on social media and we’ve gotten a positive response to our television commercials. People are even sharing their own Live Fearless moments.

photo by @m2the_k on Instagram photo by @leonardluvera on Instagram photo by @carlymarlymarks on Instagram
photo by @tophsterstrudel on Instagram photo by @lemonboard on Instagram photo by @missangelacruz on Instagram

When the Affordable Care Act passed, a lot of people were confused about what it might mean for them and how health care coverage would change. As a health insurance company with more than 75 years serving the people of our area, we feel like Independence Blue Cross (IBX) has an important role to play in helping people understand their health care options and leading the way for the health and wellness of our region and the nation.

IBX is uniquely positioned to provide insurance coverage that lets you focus on living the life you want to live and doing the things that matter to you and your family.

Having quality health care coverage helps you feel free to live your life without worrying what tomorrow will bring. That’s something that resonates with everyone — including more than 110,000 new individual members who’ve joined the IBX family so far.

Getting the word out is important, and it takes a strong message. That’s why we joined with 15 other Blue Cross and Blue Shield plans that are using the Live Fearless campaign. The message of security is universal, and the spirit of the campaign is a perfect fit for
our area

More than a few people have pointed out that the correct grammar would be “Live Fearlessly.” And, believe me, we hear you. Before rolling this out, we did plenty of legwork and asking around — all to confirm that the Live Fearless tagline really connects with people. It’s worth remembering that, in advertising, the rules of grammar and punctuation are sometimes bent (or broken) to better capture a feeling or idea. “Fearless” isn’t an adverb, it’s a state of mind. In any case, I hope the feeling and the idea ring true, even without the ly.

I’m excited to see where Live Fearless will take us next. And, I can’t wait to hear more about what Live Fearless means to you. We’re working on a new batch of Live Fearless materials now. So, look for our billboards, television spots, ads, and social media this fall. Until then — Live Fearless!



John McClung

John McClung is vice president of advertising and creative services for Independence Blue Cross (Independence). In this role, he oversees all corporate advertising and brand management, having direct accountability for creative execution, budget management, and strategic alignment with sales and marketing goals. McClung also manages relationships with the company’s external advertising and communication agencies, along with advertising partners in the community, including Philadelphia’s professional and college sports teams. McClung joined Independence as a copywriter in 1988. Since then, he has established and expanded a creative services team who support the creative aspects of all internal and external communications efforts, including marketing, wellness, health management, and public relations for Independence Blue Cross and its subsidiaries. In addition, his team plays a leading role in the promotion of key company events, such as the Blue Cross Broad Street Run, the largest 10-mile race in the country. Prior to joining Independence, McClung was a freelance copywriter and journalist. McClung serves on the allocations board for the United Way of Southern Chester County and is the co-founder, current board member, and soccer coach with the White Clay Soccer Club. McClung has degrees in English and French from Villanova University and a master’s degree in publication management from Drexel University.

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Workplace wellness: Small changes at work can lead to big results

Do one thing Employee wellness programs are a hot topic these days, with good reason. Research shows that healthier employees are more productive and can help save their employers money in overall health care costs. As vice president of Wellness and Community Health at IBX, I am probably a little biased, but I know employee wellness programs work because I have seen the results firsthand.

For more than eight years I worked in human resources at IBX, specifically focusing on talent management, employee engagement, and wellness programs. During those eight years, I became increasingly passionate about wellness programs as I witnessed the positive impact they have on the culture of the workplace.

Why employee wellness programs work

We believe in supporting the well-being of our employees, and believe that other companies can also reap the rewards of an employee wellness program. We recently published a white paper evaluating the effectiveness of employee wellness programs and our research shows that companies with engaged employees have lower absenteeism, lower turnover, and higher productivity. [1]

Employees who participate in wellness programs are healthier, happier, and much more engaged. These employees have made great strides toward eating well, managing stress, staying active, and quitting smoking. They report feeling more focused and energetic and are less likely to get sick. They are more likely to be innovative and productive, both at work and at home. And, they share a sense of camaraderie and community with their colleagues. As a result, they are more engaged and involved in the success of our company.

Like positive peer pressure, a company that creates a culture of wellness attracts and retains like-minded people — employees who value a workplace with happy, healthy, productive individuals.

Engage your employees with a comprehensive wellness program

You can support the well-being of your employees and increase your company’s competitiveness with Healthy Lifestyles℠ Solutions — a health management strategy that gets results. We work with you to create an integrated employee wellness program that is tailored to fit your employees’ needs. Providing a workplace wellness program like Healthy Lifestyle Solutions can improve overall employee health, job satisfaction, engagement, and retention, and result in cost savings for you: a win-win for everyone.

As we launch our 2014 employee wellness program here at IBX, I challenge you to do one thing every day to improve your health. Anyone can adopt this approach, whether you have a wellness program at work or not. Take the stairs instead of the elevator. Swap out dessert for a piece of fruit. Replace your daily soda with water.

Commit to making one small change to improve your health and you will reap the benefits for years to come.

[1] – Rath and Harter, The Economics of Wellbeing, 7.


Kimberly Eberbach

Kimberly Eberbach is vice president of Wellness and Community Health at Independence Blue Cross in Philadelphia. In this role, she is responsible for the development and execution of wellness-related strategies and programs for employees, members and the surrounding community. Eberbach previously held the position of vice president of Human Resources for the company. Since joining Independence Blue Cross in 2003, Eberbach has held various leadership roles involving training and development, leadership and executive development, employee communications, employee initiatives, talent acquisition, compensation, and benefits. Prior to joining Independence Blue Cross, Eberbach spent ten years consulting in strategic planning, change management, and leadership and process improvement. Her clients reflected a broad spectrum of industries and segments, including technology, pharmaceuticals, manufacturing, health care, education, and government. Before entering into consulting, Eberbach worked in higher education and clinical psychology research. Eberbach has a bachelor of arts degree in psychology and a master of arts degree in communications. She lives in Chestnut Hill, Pennsylvania with her husband, Peter.

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Just Got Health Insurance?

Don’t Miss the Final Step to Complete your Enrollment!

Did you recently enroll in an individual health insurance plan through the new federal Health Insurance Marketplace? Or did you enroll directly through Independence Blue Cross?

First things first: Welcome! Thank you for choosing IBX.

We hope that you will find that your health insurance coverage is a smart investment.

But there is one last step. In order to officially complete your enrollment, you have to make your first payment.

If your IBX coverage started on January 1, 2014, we extended your payment deadline to January 28 for your first month’s premium. This was a one-time extension to help our members get on board with their new plans.

There are two ways you can make your first payment:

  1. Pay over the phone. Call 1-855-429-3808 and authorize one of our representatives to process a one-time electronic payment from your bank account. There is no charge for this service. This new payment hotline has been set up for a limited time only, just to help you pay your first month’s premium. Representatives will be available at the following times:

    Friday, January 24 – 8 a.m. – 8 p.m.
    Saturday, January 25 – 8 a.m. – 5 p.m.
    Sunday, January 26 – 8 a.m. – 5 p.m.
    Monday, January 27 – 8 a.m. – 8p.m.
    Tuesday January 28 – 8 a.m. – 8 p.m.

    You will need your member ID and bank account information handy when you call.

  2. Pay in person. Visit our retail center at 1900 Market Street, Philadelphia, anytime from 8 a.m. to 5 p.m. on January 24, 27, or 28. You may pay by cash, check, or money order.

The deadline is very important. If your first monthly payment is not received and processed by January 28, 2014, your coverage will be cancelled back to January 1, 2014. That means you will be responsible for paying for the costs of any health care services you received in January. Additionally, if you enrolled through the federal Health Insurance Marketplace you will have to re-enroll before March 31 through for coverage that will begin later in 2014. If you enrolled directly through IBX you will also need to re-enroll before March 31 by contacting us at 1-855-429-4968 or visiting


Paula Sunshine

As Vice President of Consumer Sales and Marketing at Independence Blue Cross, Paula Sunshine is accountable for the Individual Under-65 market segment. In this capacity, she is directly responsible for developing and executing all direct-to-consumer marketing and sales capabilities. In addition, Ms. Sunshine is accountable for insuring the delivery of market-competitive products and pricing as well as operational readiness for the Consumer market.

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Common health coverage questions answered

We’ve compiled a list of your most common questions and have provided additional options to get answers, access care, confirm coverage, print a temporary ID card, pay a bill, or view claims.

ID cards | Billing | Customer service | Enrollment | Access to care | Wellness

ID cards
I haven’t received my member ID card but need to get one.
If you haven’t received your member ID card in the mail, there are a few ways to obtain a temporary card:

  • Print a temporary card by visiting our member portal at
  • Download the IBX app to your smartphone, iPad or Android tablet and log in to view an ID card image.

I don’t have my member ID card but need to fill a prescription.
You can still get prescription drugs that have been prescribed by your doctor even if you have not received your member ID card. Participating pharmacists can confirm coverage through their systems, or you can ask the pharmacist to call the pharmacy plan at 1-888-678-7012 and have them look up the information using member name and date of birth.

My member ID card arrived saying a “Valid PCP Required.” What do I do to change that?
Members enrolled in one of our HMO plans must select a primary care physician. If you receive a card that doesn’t indicate your PCP selection, or says “Valid PCP Required,” please log into, send your information to, or call our Customer Service Center at 1-800-ASK-BLUE, to confirm or make your selection. View a list of our network of doctors. You will receive a new member identification card to reflect your PCP choice.

I need to pay my premium but I’m not sure how or when it’s due.
Call 1-855-429-3808 from 8 a.m. to 6 p.m. Monday through Friday to speak to an IBX representative who can verify your payment amount and due date. You can also authorize one of our representatives to process a one-time electronic payment from your bank account.
If you would like to make a payment in person, visit our retail center at 1900 Market Street (near the corner of 20th & Market Streets), Philadelphia, PA 19103 to make your payment 8 a.m. to 5 p.m. Monday through Friday. You may pay by cash, check, or money order.

I would like to set up online bill payment through my bank.
Setting up IBC as a biller in your bank’s online bill payment service can be a little tricky. Here are some tips to make sure your payments are processed in a timely fashion.

  • If you previously had Independence Blue Cross, QCC Insurance Company, or Keystone Health Plan East set-up as a biller, delete this payee entirely and add a new payee with the information that corresponds with your plan:

    Keystone Health Plan East (HMO)
    P. O. Box 11855
    Newark, NJ 07101-0019
    Independence Blue Cross (Personal Choice PPO)
    P.O. Box 11860
    Newark, NJ 07101-0019

  • When setting up the new payee, you will need to enter your billing account number listed on your invoice. Please do not use the member ID number that appears on your ID card.

Customer service
I want to get help online.
Register for our member website, You can print temporary member ID cards, view and pay bills, review claims, and much more. To register for, you will need your member ID number which can be found on your member ID card, on your invoice (for individual direct pay members), or by calling our Customer Service Team at 1-800-ASK-BLUE.


If you were previously a member of an individual plan, and registered for prior to January 1, 2014, you will need to set up a new account using your new ID number and a new user name.

I have questions and would like to talk with someone in Customer Service about my coverage.
Our Customer Service Center is open Monday – Friday, 8 a.m. – 6 p.m., EST. We know your time is valuable and we’re sorry for any inconvenience you may experience due to high call volume. You can reach Customer Service at 1-800-ASK-BLUE.

I enrolled online but am not sure how to confirm my coverage and eligibility.
If you haven’t received any information from Independence Blue Cross in the mail, and need to confirm your enrollment, please contact our Customer Service Center at 1-800-ASK-BLUE and a representative will be glad to assist you. Our Customer Service Center is open Monday – Friday, 8 a.m. – 6 p.m., EST.

I haven’t enrolled in a plan yet but am interested in getting health coverage.
Are you looking to purchase individual or family health insurance? You have until March 31, 2014 to select and enroll in a plan under the new Affordable Care Act. For information on our products please visit our site at or call our sales center at 1-888-475-6206 to talk with a representative who can help you.

Access to care
I have already received prior-authorization for a prescription, but my pharmacist can’t find it in my records.
If you’re a member having trouble filling a prescription because the drug requires prior authorization, there are several options available:

  • Ask the pharmacist to call the pharmacy benefits team at 1-888-678-7012 to verify your existing prior authorization.
  • You can also call the pharmacy benefits team at 1-888-678-7012 to verify your prior authorization.
  • Ask your doctor to fax a new prior authorization form to IBC 1-888-671-5285.

Please note, under IBC’s standard pharmacy policy, you can generally receive a 96-hour supply of the prescription right away. When the new prior authorization is updated, the pharmacy can fill the remainder of the prescription.

I’m in an HMO plan and want to select (or change) my Primary Care Physician (PCP).
Members enrolled in one of our HMO plans must select a primary care physician. You can find a list of our full network of doctors on and There are a few ways to select or change your PCP:

  • Send your information to, a newly established service to expedite PCP selection requests.
  • Log into
  • Call our Customer Service Center at 1-800-ASK-BLUE.

You will receive a new member identification card to reflect your PCP choice.

I went to Walgreens or Rite Aid and they wouldn’t accept my insurance. Can I fill my prescription anywhere?
Some of our medical plans have a “Preferred Pharmacy Network” benefit which means you have access to a smaller pharmacy network with a lower monthly plan cost. But even if you are enrolled in a plan using the Preferred Pharmacy Network, you still have access to more than 50,000 pharmacies, including CVS, Walmart, and Target, along with many local pharmacies.

If you have employer sponsored coverage and have one of these plans, you have a Preferred Pharmacy Network:

  • HMO Bronze
  • DPOS Bronze
  • PPO Bronze HSA Premier
  • PPO Bronze HSA
  • PPO Bronze HRA Premier
  • PPO Bronze HRA
  • HMO Gold Proactive
  • HMO Silver Proactive

If you are in one of these individual plans, you have a Preferred Pharmacy Network:

  • Personal Choice PPO Bronze
  • Keystone HMO Bronze
  • Personal Choice PPO Bronze Reserve
  • Keystone HMO Gold Proactive
  • Keystone HMO Silver Proactive
  • Personal Choice Catastrophic

If you need help finding an in-network pharmacy nearby, login to and click on the Go to Rx icon on the upper right side of the screen. Then click the Find a Pharmacy tab at the top of the page and follow the instructions.

Watch this short video for tips on how to save money on your prescription drugs, plus an overview of important plan features such as mail order service and preferred networks.

Are the Healthy LifestylesSM programs and reimbursements still available?
Yes, we’re committed to helping you take steps to improve or maintain your health, and our Healthy Lifestyles Solutions programs are an important part of that commitment. Members are still eligible for reimbursements for certain healthy lifestyle changes they make. We offer up to $150 reimbursements for fitness center fees, weight management programs, and tobacco cessation programs.


IBX Insights Team

Health care delivery is in the midst of reform and rejuvenation — an exciting prospect, but one that can also cause confusion and questions. With IBX Insights we want to be your first line of member-focused information, helping you understand the new health care model, how it affects your quality and cost of care, and the opportunities available through IBX to improve your health. Join the conversation with IBX associates who work every day to make health care more accessible and transparent for you.

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