Benefits Solutions Delivering a best-in-class experience for you and your employees

Flexible solutions that work for you

No one knows your business better than you, which is why Independence wants to hear your needs, your challenges, your short and long-term goals for the future. Independence will work with you to design a comprehensive and flexible benefits solution that will meet these unique needs and keep your business and employees as healthy as possible.

Medical

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:

  • A network of more than 750,000 physicians and 5,500 hospitals nationwide
  • Emergency care covered anytime, anywhere
  • Direct access to specialists without referrals

Spending accounts

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:

  • Tax advantages
  • Flexibility to choose plans that fit your budget
  • Easy account maintenance and online reporting
  • Convenient funding methods

For your employees, BlueSaver spending accounts provide:

  • Easy account management through ibxpress.com
  • Automated payment of medical and pharmacy claims
  • A debit card for paying medical expenses plus additional cards for dependents

Pharmacy

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:

  • Innovative clinical programs
  • Outstanding customer and member services
  • Specialty drug management that is well coordinated between pharmacy and medical benefits
  • Thorough monitoring and review of drug utilization

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.

Additional Workplace Benefits

Independence has teamed up with industry-leading partners to offer products and services that can be paired with your medical and pharmacy benefits to boost your employees’ overall health and reduce long-term health care costs.
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Dental

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.

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Vision

Our vision benefits are administered by Davis Vision® and include a network of more than 40,000 ophthalmologists, optometrists, and retailers.

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Life, disability, accident, critical illness, cancer and hospital indemnity insurance

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.

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Employee Assistance Program

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.

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Expat and travel insurance

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.

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Stop Loss

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.

Funding Arrangements

How you choose to fund your health plan is your decision, but you can be confident knowing that Independence has a wealth of experience with both fully insured and self-funded health plans. Our goal is to give you the flexibility and control you need to make the arrangement work for you and design the right benefits solution to go with it.

Fully Insured

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:

  • The predictability of a competitively priced premium
  • The largest national network of providers for members to access
  • Exceptional customer service at both the group and member level
  • The strength and experience of an insurer that's been in business for nearly 80 years
  • Integrated health management program that includes condition and case management, wellness initiatives, health coaching, and online tools to help your employees manage their health

Self-Funded

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:

  • More flexibility and customization of benefits
  • Robust and flexible reporting for even greater transparency
  • Competitive, nationwide health care network savings and access
  • Comprehensive stop loss coverage through HM Insurance Group to help protect against larger or catastrophic claims
  • Integrated health management program that includes condition and case management, wellness initiatives, health coaching, and online tools to help your employees manage their health

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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