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Medicare Basics

Ready to Enroll?

Compare Our Plans

With several plans to choose from, it's easy to find the ones that work for you.

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Medicare Advantage Plans

Medicare Supplement Plans

Keystone 65 HMO Personal Choice 65 PPO MedigapSecurity
If you're looking for...

Affordability Keystone 65 HMO plans may be the right choice for you.

  • Low premiums
  • Low deductibles
  • SilverSneakers® Fitness Program
  • A variety of network sizes to choose from to help keep member costs low.

Provider choices
Personal Choice 65 PPO may be the plan for you.

  • Freedom to use your choice of doctors and hospitals
  • No referrals
  • SilverSneakers® Fitness Program

Flexibility
MedigapSecurity plans offers you the freedom to visit any doctor that accepts Original Medicare.

  • No need to select a primary care physician
  • No referrals
  • Virtually no claim forms
How the plan works:

Members must choose a primary care physician (PCP). All medical needs are coordinated through the PCP.

Members are covered for services in or out of the network, but members' out-of-pocket costs are lowest when they receive services from physicians and hospitals who participate in the Blue Plan network.

Medigap Security is designed to cover the gaps in Original Medicare coverage that beneficiaries must pay for out of pocket.

Plans include coverage when you travel in the United States and cover emergencies outside of the United States.

Prescription drugs options

Our HMO and PPO plans are available with or without prescription drug coverage.

Medigap Security does not include prescription drug coverage. Members must purchase a stand-alone Part D plan.

Additional member benefits
  • Access to health resources and wellness programs
  • Trained Health Coaches to help manage chronic conditions such as asthma, diabetes, and COPD
  • Fitness membership program
  • Worldwide emergency and urgent care
  • Access to award-winning wellness programs
  • Services when traveling throughout the U.S.
  • Emergency coverage when traveling outside the U.S. (included in plans C, F, and N)

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Ways to Enroll

So you've done your research and decided which plan is right for you. Now it's time to enroll.

Enroll in Medicare Part C, Part D, or Medicare Supplement (Medigap) plans

Enrolling in Medicare Part C plans (Medicare Advantage)

Enrolling in a Medicare Advantage plan is as simple as each private insurance company makes it. When joining an Independence Blue Cross Medicare Advantage plan, please note the following:

  • You can join a Medicare Advantage Plan even if you have a pre-existing condition.
  • You can only join a Medicare Advantage Plan at certain times during the year.
  • You must be enrolled in Part A and Part B and have Part A and Part B effective dates.
  • You must live in the plan's service area.
  • You may not have End-Stage Renal Disease (ESRD), except in certain circumstances. Contact us for more information if you have ESRD.
  • You must be a United States citizen or lawfully present in the United States.

We offer convenient ways to enroll in one of our Medicare Advantage plans:

  1. View our plans and enroll online
  2. Enroll over the phone. Call: 1-877-393-6733 (TTY/TDD: 711)
    8 a.m. - 8 p.m., 7 days a week.

Need help deciding which plan is right for you?

  • Contact your local sales agent.
  • Call us at 1-877-393-6733 (TTY/TDD: 711)
    8 a.m. - 8 p.m., 7 days a week.
  • Attend a local sales seminar.

Enrolling in Medicare Part D (Prescription Drug Coverage)

Independence Blue Cross does not offer stand-alone prescription drug plans; however, we do offer some Medicare Advantage plans that include Part A, Part B and additional health benefits, like vision, dental and hearing, as well as Medicare Part D prescription drug coverage.

Enrolling in a Medicare Supplement plan (Medigap)

Enrolling in a Medicare Supplement plan is as simple as each private insurance company makes it. When joining an Independence Blue Cross Medicare Supplement plan, please note the following:

  • You must have, and be enrolled in, Medicare Part A and Part B.
  • You must live in the plan's service area.
  • You'll pay a monthly premium to Independence Blue Cross for your Medigap policy in addition to your monthly Part B premium that you pay to Medicare.
  • A Medigap policy only covers one person. Spouses must buy separate policies.
  • You must purchase a stand-alone prescription drug plan from a private insurance company during your enrollment period or risk receiving a late enrollment penalty. (Medicare Supplement plans do not include Part D prescription drug coverage.)

We offer convenient ways to enroll in one of our Medigap plans:

  1. View our plans and enroll online
  2. Enroll over the phone. Call: 1-877-393-6733 (TTY/TDD: 711)
    8 a.m. - 8 p.m., 7 days a week.

Need help deciding which plan is right for you?

  • Contact your local sales agent.
  • Call us at 1-877-393-6733 (TTY/TDD: 711)
    8 a.m. - 8 p.m., 7 days a week.
  • Attend a local sales seminar.

Website Last Updated: 10/1/2016
Y0041_HM_17_43499 Approved 10/7/2016