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 healthcare.gov 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 www.ibx4you.com.

avatar

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.

More Posts

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 ibxpress.com
  • 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 ibxpress.com, send your information to www.ibxpress.com/pickmypcp, 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.

Billing
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
    or
    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, ibxpress.com. You can print temporary member ID cards, view and pay bills, review claims, and much more. To register for ibxpress.com, 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.

idcards_blog

If you were previously a member of an individual plan, and registered for ibxpress.com 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.

Enrollment
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 ibx4you.com 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 ibx.com and ibxpress.com. There are a few ways to select or change your PCP:

  • Send your information to www.ibxpress.com/pickmypcp, a newly established service to expedite PCP selection requests.
  • Log into ibxpress.com
  • 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 ibxpress.com 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.

Wellness
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.

avatar

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.

More Posts

Top 3 in health and wellness this week

Sniff a lemon, get a greener roommate, and spice things up with cider

Check out our weekly list of three health-related news topics, Philadelphia-area events, and seasonal recipes you can take advantage of during the next week.

enjoy-smell-of-citrus-10241. When life hands you lemons…take a sniff!
With the hectic holidays in the rearview, there’s no better time relax and take care of your mental health. And, that’s official — January is Mental Wellness month! Why not find some creative ways to add balance to your life? For example, did you know that the smell of citrus is proven to elevate your mood? So, add lemon zest to your recipes, get some grapefruit-scented candles, and start 2014 refreshed and rejuvenated! Here are some more fun ways to take care of yourself.

Spider-Plantjpg_img_assist_custom-600x4502. Love your houseplants
January 10th is Houseplant Appreciation Day—exciting, I know! Houseplants help keep your air clean and pure, and balance indoor humidity. Plus, they absorb pollutants, scrub harmful gases out of the air, and look nice. So if you don’t already have one, do your home a favor and get yourself a leafy new roommate! Try one of these 10 houseplants that work as living purifiers.

Superfoods-Apple-Cider-3-23. Ditch hot chocolate for delicious, nutritious cider
What’s there to say about hot chocolate? Sure it’s tasty…but it’s also overdone, predictable, and a little…2013. Add some zing your next snow day with a spicy, fruity alternative to hot chocolate! This simple hot apple cider recipe is filled with superfoods like cinnamon, ginger, lemons, and oranges, so you can warm up and improve your health — one delicious sip at a time.

avatar

Ashley

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!

More Posts

Top 3 in health and wellness this week

Revitalize tired leftovers, strut like a Mummer, and skip the gym

Check out our weekly list of three health-related news topics, Philadelphia-area events, and seasonal recipes you can take advantage of during the next week.

1. Turn last night’s dinner into tonight’s new dish
Does anyone actually like cooking on New Year’s Day? I know I don’t. Chances are, you’re recovering from a late night of parties and banging pots or you’re exhausted from spending the whole day with the Mummers. LeftoversInstead of spending more money on take-out, take another look at your own fridge! Try these sneaky recipes and celebrate the New Year while getting some mileage out of last year’s leftovers.

2. The Mummers turn 114!
For those of us from Philly, there’s nothing strange about grown men dressed in glitter, feathers, and make-up playing instruments and/or dancing in the dead of winter on New Year’s Day. It’s happened before…in fact, the Mummers Parade, is about to strut down Broad Street for the 114th time! Before you laugh at these silly-looking characters, think about the workout they’re getting (7 hours of marching + crazy-heavy costumes = a seriously intense workout)! The parade starts deep in South Philly and winds up at City Hall, with four big performances along the way at Broad and Sansom Streets, Broad and Pine Streets, Broad and Shunk Streets, and Broad Street and Washington Avenue. And the winners take it even further, parading down 2nd Street or “Two Street” as the locals call it.

Don’t miss out on this great Philly tradition! There are tons of places you can watch the parade from, so stake out spot and enjoy the show!

3. Make a resolution to avoid the gym!
If you’re like most people, your number one resolution is: “Exercise and go to the gym more often!” But aren’t you sick of making the same resolution every year? This year, make another resolution: be different! Skip the gym and take a brisk walk around your neighborhood. Or, better yet, try this 30-minute workout from fitness guru Lashaun Dale without leaving home. You’ll be fulfilling your New Year’s Resolution and avoiding the typical January-gym-overcrowding. Plus, if you made another resolution to save money, you’re right on track!

avatar

Ashley

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!

More Posts

Top 3 in health and wellness this week

Celebrate African and African American culture, donate holiday cards, and go ice skating

Check out our weekly list of three health-related news topics, Philadelphia-area events, and seasonal recipes you can take advantage of during the next week.

1. Celebrate African and African American culture
Kwanzaa, a seven-day celebration of African and African American culture and community, Healthy Kwanzaa Recipes begins December 26. You can put a local spin on the celebration this Saturday or Sunday at the African American Museum in Philadelphia. And, since the term Kwanzaa comes from the Swahili phrase matunda ya kwanza, which means “the first fruits” of the harvest—it’s great chance to try delicious and healthy recipes inspired by African cuisine. With rich, aromatic spices like nutmeg, cinnamon, cumin, and cardamom — you won’t even miss the fat and salt.

2. Donate old holiday cards and help homeless children at the same time
For the past month, my mailbox has been stuffed with holiday cards from family and friends. When the holidays are over, I feel bad just throwing them away. Now, I have a guilt-free solution! St. Jude’s Ranch for Children’s Recycled Card program is more than 30 years old (and nobody told me till now!). Just send your new and used cards to St. Jude’s Ranch, and they’ll make “green” cards by removing the front and attaching a new back. You can double your good deed by ordering next year’s cards from St. Jude’s Ranch, too. All proceeds go directly to the children who make the new cards.

3. Get out of the house and onto the ice – IBX members skate free
Looking for something fun and inexpensive to do with your kids, house guests, or friends? Get out of the house and skate off some steam at the Blue Cross RiverRink. This year is the 20th anniversary of the city’s most popular outdoor Olympic-sized public ice rink. After you’ve tried your best moves on the ice, drink some hot chocolate in the warming tent, or take a stroll around the pop-up holiday village, a brand new addition this season! Just don’t forget to bring your IBX member ID to get in for FREE!

Blue Cross RiverRink

avatar

Ashley

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!

More Posts

Tips For Using healthcare.gov from IBX

HCR_imagepost14Earlier this month the federal government announced that the number of Americans who purchased their health insurance through the new federal and state Marketplaces more than doubled from October to November. It’s good news, but there are many more people still without coverage. According to a recent report, in southeastern Pennsylvania more than 276,000 adults don’t have coverage.

Having insurance is more than just a safety net if something catastrophic should happen. It’s about being able to go to the doctor for routine preventive care to keep you healthy. For example, women in our region with insurance are much more likely to have routine cancer screenings such as mammograms or Pap Tests.

So, for those who have been postponing shopping for health insurance, now is the time. The deadline is fast approaching. Consumers must sign-up by December 23 to have coverage on January 1. There are still a few challenges with the federal government’s website healthcare.gov, but it has improved and is getting better every day.

Before logging on to buy health insurance, here are a few tips to help make the experience move more quickly and easily. If everything is working smoothly, the process takes between 45 minutes to an hour. Read more.

avatar

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.

More Posts

Top 3 in health and wellness this week

Get the holiday spirit! See a light show, stop the stress, and change-up your boring cheesecake

Check out our weekly list of three health-related news topics, Philadelphia-area events, and seasonal recipes you can take advantage of during the next week.

1. Brighten up your holiday Lit Tree
If you’ve got some free time on your hands (and you’ve finished all your holiday shopping), why not take in the light shows around the city? Philly has some displays that would make even Clark W. Griswold proud. Start at Macy’s where thousands of LED lights twinkle above the Grand Court atrium while the Wanamaker Organ plays during Macy’s Christmas Light Show. Next, walk down Arch Street to the Comcast Building, to watch the Comcast Holiday Spectacular, shown on a towering video wall, updated especially for the 2013 holiday season. End your night by strolling down 18th Street to Rittenhouse Square to where the 35-foot Christmas tree sparkles with over 5,000 multi-colored lights.

2. ‘Tis the season to be stress-free!
The malls are packed, this season’s must-have toy is nowhere to be found, and 50 relatives are showing up for dinner. With so much going on, I find that it’s all too easy to let stress suck the joy right out of the season. Turn off your mind, take a deep breath, and meditate your way to a relaxed new attitude. Before you know, you can ditch the ba-humbug attitude and enjoy your time with your family and friends.

marmalade glazed orange cheesecake3. Orange you glad oranges are still in season?
Looking to change up your dessert table during the holidays? This marmalade-glazed orange cheesecake recipe might do the trick. Cheesecakes are a holiday-dessert staple, but this one has something extra. The orangey-twist not only looks pretty, it’s refreshing and healthy, too—just 199 calories! So you won’t have to feel bad about cutting yourself a slice.

avatar

Ashley

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!

More Posts

Top 3 in health and wellness this week

Watch a time-honored classic, find a safe way home, and break out the sweet potatoes

Check out our weekly list of three health-related news topics, Philadelphia-area events, and seasonal recipes you can take advantage of during the next week.

nutcracker1. See the ballet; be the ballet
Are visions of Sugar Plums dancing in your head? Make your visions a reality with the Pennsylvania Ballet’s annual production of The Nutcracker. You can catch this holiday classic now through December 30. And, if you find yourself doing pliès after the show like I do, sign up for a ballet-inspired work-out at a studio like Pure Barre or Sculpere. These workouts incorporate the ballet barre and focus on toning and sculpting you into a lean, mean dancing machine.

2. Getting into the holiday spirit…with spirits? Don’t get behind the wheel!
drink and driveIf your weekends look like mine, they’re booked-solid with parties and gatherings until January. But, don’t let the excitement of the season keep you from staying safe. The National Institute of Alcohol Abuse and Alcoholism reports that 40 percent of traffic-related deaths during Christmas and New Year’s involve drunk drivers! That’s probably why December is officially Drunk and Drugged Driving Prevention Month. When you’re planning your social calendar, be sure to plan a safe way home. And remember, you don’t have to drink a lot to be impaired—impaired driving starts at the first drink, and some prescription drugs affect driving ability, too.

3. Try a potato’s sweeter cousin
sweet-potato-3Thanksgiving may be over, but sweet potatoes are just getting started. They’re still in season and they’ve really got it going on. Sweet potatoes contain vitamin A which helps fight infections, beta-carotene which protects your skin, and they have 28 percent more potassium than bananas. Break out of the baked (yawn), mashed (snore), casseroled (Zzzzz) mold, and ditch the sweet potato fries. Try one, or all, of these healthy recipes for a sweet dish of sweet potatoes.

avatar

Ashley

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!

More Posts

Top 3 in health and wellness this week

Wash your hands, run in an ugly sweater, and whip up some mushroom soup

Check out our weekly list of three health-related news topics, Philadelphia-area events, and seasonal recipes you can take advantage of during the next week.

1. Wash those hands before you shake
ibx_handshakeIt’s not exactly breaking news, but hand washing is the easiest and most effective way to prevent germs from spreading, especially during flu season. What better time for a reminder than National Hand Washing Awareness Week? (Yes! There’s actually a week for that.) You already know to wash your hands every time you use the restroom, but you should actually be scrubbing your paws way more often than that. Check out the CDC’s advice on when and how you should wash your hands. And if you’re worried about drying out your hands, just carry a travel-size moisturizer with you.

2. Don’t run from ugly!
ibx_uglysweaterIf you’re like me, you probably have at least one hideous sweater hiding in the back of the closet – you know the one with a puffy, 3-D wreath and a giant teddy bear in the middle? The Ugly Sweater Run on December 7th in Fairmount Park is the perfect time to release your sweater from its moth-balled prison and show it to the world. This isn’t your typical 5K. There are holiday-themed stations along the way and you can even replenish yourself with hot chocolate. Post run, you can celebrate with a lager or hard cider (21 years old +) and even win an award for wearing the ugliest sweater.

3. A mushroom soup that will warm up a cold day
ibx_mushroomWild about mushrooms? This Low Fat Creamy Mushroom Soup recipe is definitely worth trying. You’ll need five ounces of shitake mushrooms and eight ounces of baby portabellas, and you’re in luck: mushrooms are totally in season. You know…in case you’re a stickler about getting your veggies at a farmer’s market. Plus, since each delicious cup is only 65 calories, it’s the perfect choice to warm you up and help you slim down!

avatar

Ashley

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!

More Posts

‘Tis the season for giving, not breaking the bank

For me, the holiday season means soups for dinner, hot chocolate for an afternoon snack, curling up by the fire, and presents! I love giving gifts just as much as I love receiving them. Seeing the joy when someone is opening an amazing gift that you picked out just for them is something I love to experience. breaking the bank

Setting a limit
If you’re anything like me, you feel the pressure to get your loved ones the perfect gifts. That pressure can be stressful both physically and financially. In some of my previous blogs, I’ve shared my aspirations to stay healthy financially. It’s still an area where I struggle and consciously have to convince myself that I don’t need those new shoes or that new cocktail dress.

After speaking with my Mom about my current financial worries, we decided to set a limit for our family gift exchange this year. These gifts are really just so everyone will have something to open – pure entertainment.

Sticking to a budget
I’ll be honest, I can almost guarantee you that I will go over the budget; but, I will try my hardest not to do that.

One of the budget friendly gifts I made last year for a few colleagues was a pampered jar — I bought mason jars and filled them with lip gloss, hand lotion, fuzzy socks, tea, and chocolate. They were a huge hit! What’s even better is you can customize these and fill mason jars with candy, cookies, hot chocolate ingredients, or anything else!

Do you have any ideas for budget-friendly gifts? How do you keep from breaking the bank during the holidays?

avatar

Anna

I’m a Innovation Analyst at IBX. I love traveling and have explored at least one new country every year for the past 6 years. Follow my posts to see what I’ve learned through the unique workout I participate in and how I continue to strive for an overall healthy, balanced life.

More Posts