Our PPO plans give your employees the freedom and flexibility they need with both in- and out-of-network coverage across the country and around the world. Our PPO offers:
HRA, HSA, FSA — With tax advantages for both employers and employees, spending accounts make a smart addition to your medical plans. Plus, they encourage your employees to make better health care decisions and make the most of their health care dollars.
BlueSaverSM spending accounts offer you:
For your employees, BlueSaver spending accounts provide:
An integrated Independence medical and pharmacy benefits solution has been shown to yield overall better outcomes, healthier and more informed members, and lower costs to employers—results that are not available with a carved-out pharmacy benefits management (PBM) solution. Our use of combined medical and pharmacy data, a total cost of care perspective, and centralized conveniences for both you and your employees enable us to provide an unsurpassed, integrated solution.
The Independence pharmacy benefit is administered by FutureScripts®, a part of one of the largest PBMs in the country. This approach combines the experience of a leading health plan in the nuances of health care delivery with the national knowledge and power of one of the largest three PBMs.
Our pharmacy benefit management services include:
FutureScripts, a Catamaran company, is an independent company providing pharmacy benefits management services for Independence Blue Cross.
Benefits that grow with your
employees and your business.
Together with United Concordia, we offer a wide array of dental plans with access to more than 96,000 dentists at over 270,000 locations nationwide, plus up to a 35 percent discount.
Our vision benefits are administered by Davis Vision® and include a network of more than 40,000 ophthalmologists, optometrists, and retailers.
We work closely with The Guardian Life Insurance Company of America to give your employees financial protection from unforeseen hardships and expenses. By bundling products, you may even qualify for a medical discount.
Help your employees handle personal matters quickly, easily, and confidentially with Personal Life ManagementSM from Integrated Behavioral Health. Your employees and everyone in their household get access to licensed case managers who can help them get the right support such as: legal and financial services, child care and elder care resources, adoption assistance resources, education planning, and face-to-face counseling when needed.
Blue Cross Global solutions from GeoBlue® help you cover the needs of your employees who travel around the globe. Your employees get access to an international community of English-speaking, Western-trained physicians and 24/7 concierge-level assistance.
If you self-fund your health plan and want to help minimize your financial liability, you can get stop loss insurance from HM Insurance Group to help protect against larger or catastrophic claims. The administration between the medical and stop loss plans is transparent, plus you get competitive pricing and flexible funding options to manage cash flow.
Independence Blue Cross dental plans are administered by United Concordia, an independent company.
Independence Vision Care is administered by Davis Vision, an independent company. An affiliate of Independence Blue Crosshas a financial interest in Visionworks.
The life, disability, accident, critical illness, and cancer insurance products listed are offered by The Guardian Life Insurance Company of America, an independent company. These are not Blue Cross or Blue Shield products. Guardian is solely responsible.
Blue Cross Global™ is a brand owned by the Blue Cross Blue Shield Association, a national federation of 36 independent, community-based and locally-operated Blue Cross and Blue Shield Companies. GeoBlue is the trade name of Worldwide Insurance Services, LLC (Worldwide Services Insurance Agency, LLC in California and New York), an independent licensee of Blue Cross Blue Shield Association and is made available in cooperation with Blue Cross and Blue Shield Companies in select service areas. Coverage is provided under insurance policies underwritten by 4 Ever Life Insurance Company, Oakbrook Terrace, IL, NAIC #80985 under policy form series 54.1201.
Get the flexibility and control
you want in a benefits solution.
A fully-insured health plan is a more traditional type of funding arrangement that you may want if you’re looking for less of a hassle and financial risk. When you choose a fully-insured plan with Independence, you get:
If you want control over benefit design and the opportunity for greater savings, then self-funding may be the right solution for you. We provide custom self-funding solutions to many national Fortune 500 companies. With a self-funded solution from Independence, you can take advantage of:
Stop loss coverage is underwritten by HM Life Insurance Company, Pittsburgh, PA, in all states except New York under policy form series HL601. In New York, coverage is underwritten by HM Life Insurance Company of New York, New York, NY, under policy form series HL601. In Pennsylvania, coverage may be underwritten by Highmark Casualty Insurance Company under policy form series HC601. The coverage is underwritten by HM Life Insurance Company, Pittsburgh, PA, or Highmark Casualty Insurance Company, Pittsburgh, PA, under policy form series HL601 in all states except New York. In New York, coverage is underwritten by HM Life Insurance Company of New York, New York, NY, under policy form series HL601. The coverage or service requested may not be available in all states. All products and services described herein are provided by HM Insurance Group member companies that do not provide Independence Blue Cross products or services. The companies in HM Insurance Group are solely responsible for the products and services indicated herein.
HM Insurance Group is an independent company.
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