Independence Blue Cross of Pennsylvania

For other residents of the state, Independence Blue Cross offers plenty of insurance choices, including:

• AdultBasic: Meant for adults with incomes below 200% of the federal poverty limit, this plan offers hospitalization and outpatient care, in addition to preventive treatments. It is not a free program, but with low co-pays and a cost of only $33.50 per month, it is a plan that can help many who might otherwise go without health insurance.
• Personal Choice PPO: With this plan, consumers do not have to choose an in-network doctor, although it costs more to receive care outside of the network. Inpatient and outpatient services are offered, as well as preventative care.  
• Traditional Indemnity: With this fee-for-service plan, consumers choose any doctor they wish, and pay a standard co-insurance for treatment, whether they receive care in a physician's office or at a hospital. Consumers contribute up to 40% of the cost of their medical care, and deductibles start at $300. 

In addition to these plans, Independence BlueCross of Pennsylvania offers no-deductible care for lower income families through Special Care. Enrollment eligibility is based on before-tax income and the number of family members living in the home.

Independence BlueCross is currently rated B+(very good) by A.M. Best.

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