Keep your ticker in tip-top shape

Berry HeartConsider these odds: If you play the Powerball lottery, your chances of winning the grand prize are about 1 in 175 million. But whether you’re a woman or a man, your chances of dying from heart disease are 1 in 4.* It’s a sobering thought, especially if, like me, you have a family history of heart attack and stroke.

The good news – and there is good news – is that there are simple things you can do to improve your odds when it comes to the game of life. Talking to your doctor about your heart health is an important first step, and the American Heart Association is just one trusted resource for tips to help you start the conversation. Here are some other ways you can be heart smart:

1. Calculate (and conquer) your risks.
Do you have high blood pressure? Do you have high cholesterol? Do you smoke? If you answered “yes” to any of these questions, you’re at increased risk for developing heart disease. According to the Centers for Disease Control, about half of all Americans have at least one of these three risk factors. Other risk factors include family history, diabetes, and poor diet. Use this Heart Disease Risk Calculator to get a quick assessment of your risks with easy-to-follow steps for reducing them.

2. Give your heart the nourishment it needs.
Sadly, your heart can’t live on love (or potato chips) alone. To keep it pumping properly, the American Heart Association recommends eating a balanced diet low in salt, sugar, and saturated fats, and high in fruits, vegetables, and whole grains. Take this list of 10 heart-healthy foods to the grocery store to help you stock up on healthy staples, like berries and quinoa (say it with me: keen-wah). Then use these basics to whip up delicious, heart-healthy meals for breakfast, lunch, and dinner.

3. Brush your teeth (Yes, really.)
As this infographic illustrates, smoking, drinking too much alcohol, and not being physically active can all contribute to heart disease. But do you know that poor oral hygiene may also be linked? Scientists believe that bacteria that cause gum disease may travel through our bloodstream and cause blockages in our arteries, which can lead to a heart attack. Be sure to brush and floss regularly to stop bacteria in their tracks.

It’s always easier to make lifestyle changes stick if you make one small change at a time. Since I know my family history puts me at risk for developing heart disease, I’ve been cutting out sugary drinks, like soda and bottled ice tea, and drinking more water.

What’s one small thing you’re doing to help keep your ticker in tip-top shape?

Save the Date: Walking is one of the best ways to improve your heart health. Plan to join IBX as we encourage everyone to get up and get moving for National Walk @ Lunch Day on Wednesday, April 29, 2015. Taking a bike ride is also a great way to get your heart pumping. IBX is the proud sponsor of Indego, Philly’s new bike share system, which launches this spring.

*Centers for Disease Control and Prevention, Heart Disease Fact Sheet

This material is intended for reference and information only and should not be used in place of advice from a doctor or a qualified healthcare professional.

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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.

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Can I get health insurance during the “special enrollment period?”

MarriedIf you missed this year’s open enrollment deadline, you may still be able to get health insurance for 2015 if you have a baby, get married, lose your coverage, or experience another qualifying life event.

You may be eligible if you:

  • Lose your coverage. If you had coverage through your employer and lost your job or had a plan that’s being discontinued because it doesn’t comply with the Affordable Care Act, you may be eligible. Also, if you have coverage through your spouse’s plan and you get divorced, or your spouse passes away, you would also be eligible for a special enrollment period. If you lose your coverage, call us to see if you qualify for a special enrollment period.
  • Have or adopt a baby. If you have or adopt a baby, you qualify for a special enrollment period and can apply for coverage for you and your family.*
  • Move to a new coverage area. If you recently moved, say, from California to Pennsylvania, you would qualify for a special enrollment period and could enroll in a new individual or family plan in Pennsylvania.
  • Get married. If you get married, you and your spouse qualify for a special enrollment period and can apply for individual or family health coverage.*

*Keep in mind that if you already have an Independence Blue Cross (Independence) health plan, and have a baby or get married, you can add your baby or spouse to your current Independence health plan under our normal policy change process.

There may be other unique situations where you can qualify for a special enrollment period. If you believe you qualify, but do not see your life event listed above, please call us at 1-888-475-6206.

Enrollment time frame is 60 days
If you experience one of the life events listed above, you have 60 days from your event date to apply for a new health plan. In some scenarios, you can submit your application early to prevent a gap in coverage. If you experience a loss of coverage, you have the option of applying up to 60 days prior to your loss of coverage. If you move into a new coverage area, you can apply 30 days prior to your move.

If you do not qualify for a special enrollment period, your next opportunity to apply for coverage is the 2016 annual open enrollment period, which opens on October 1, 2015, for coverage beginning January 1, 2016.

Learn more about the Special Enrollment Period.

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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.

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Gearing up for the Blue Cross Broad Street Run

Dennis after completing the 2013 Philadelphia Marathon

Dennis after completing the 2013 Philadelphia Marathon

I was curious to find out how some of my fellow Independence Blue Cross (IBX) associates are preparing for this year’s Blue Cross Broad Street Run (BCBSR), so I asked them to share their stories. Runners at IBX are enthusiastic, passionate, and welcoming, and are always eager to share their love of running. Plus, they just seem to love the BCBSR!

Follow the BCBSR on Facebook or Twitter for more IBX runner profiles to get you motivated in the months leading up to the race.

First up is Dennis, a late-comer to the running scene (he took it up at 51).

Dennis M.

Is this your first time running or are you a BCBSR veteran?
This will be my 7th BCBSR.

Have you started training yet? If so, what does your training consist of?
I never stopped running but will be kicking into higher gear in February. My routine is 2 treadmill runs during the week, a 5K, and a 5 mile. When training for a run like BCBSR, I will do an outside Sunday morning run, to build up endurance and miles. I will start the outside runs in February. I have a couple runs before BCBSR, so I am training for those as well.

How do you stay motivated through the winter months?
I go to the Independence Blue Cross Fitness Center. I run on the treadmill, use the elliptical trainer, do ab work, and various weight exercises.

Do you have any goals for this year’s BCBSR?
No. At my age, I don’t expect to get faster, so as long as I finish in the 1:30s, I am happy.

What is your favorite part about running this race?
The BCBSR is just a fun run. The crowds are great and it is very well organized. Running down Broad Street is great — very scenic, very flat. For me, it is also nostalgic. The start is near where I grew up and the run brings me through the neighborhood where both sets of my Irish immigrant grandparents settled when they came over from Ireland in the early 1900s. I dedicate all of my BCBSRs to my grandparents. The BCBSR is why I started running to begin with. I was never a runner, not even as a kid, so my running experience began at 51 years old. I was starting from scratch and had to first get my breathing technique down, then work on building endurance and distances. I ran my first BCBSR in 2009, and I’ve since run a marathon. The BCBSR was where it all began and it is still my favorite of all the runs.

Do you have any advice for first-time runners?
Do the necessary training that includes some outside runs. Increase your carb intake in the couple days leading up to the run. Make sure you eat something before the run, such as a bagel. Hydrate before, during, and after the run. An energy gel or energy beans during the run will help keep you from “hitting the wall”. Lastly, during the run, feed off of the energy of the crowds and just enjoy the experience of running down Broad Street.

_____________________________________________________________________________________
This year’s BCBSR takes place on Sunday, May 3, 2015.

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Sarah B.

As a copywriter at IBX, I frequently write about health and wellness topics. I am passionate about reading, writing, and travel. Because I’ve never met a dessert I didn’t like, I am always trying to stay active — whether that’s running, spinning, hiking, yoga, Pilates, or Barre. I also try to balance out dessert with fresh, in-season veggies from my local farmer’s market, and I love trying out new recipes.

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Top three ways to fake an island getaway this winter

Rock climbingThat yoga retreat in Costa Rica never seems to work out, does it? Instead, take your tropical vacation in smaller doses, right here in Philly. Here are our top three mini-getaways, no bug spray, plane ticket, or sunblock required.

1. Enjoy a beach yoga micro-retreat
Not all hot yoga is Bikram—the strict style that challenges you to hold poses while sweat trickles into your eyes. New studios offering Vinyasa-style hot yoga have been cropping up around Philadelphia. It’s like a regular flow class, only heated. Plus, each of these studios offers discounts for new students.

2. Scale a mountain in the suburbs
There are a ton of indoor rock climbing facilities in the Philadelphia area. Each offers classes for beginners for children and adults as well as advanced terrain for serious climbers.

3. Sip a tropical drink by the space heater
We know how nice it feels right now to wrap your hands around a steaming cup of coffee or tea, but after your workouts, you’ll be ready for something cool and fruity.

Pennsylvania Pina Colada
Add your blender:

  • 1 banana
  • 1 cup frozen pineapple chunks
  • 1 cup coconut milk (Try the unsweetened, lower-fat blends that come in cartons over the coconut cream from a can)
  • Few cubes ice
  • Touch of honey
  • Optional: ¼ tsp turmeric. This anti-inflammatory ingredient will add a golden color to your drink.

Blend until smooth, and enjoy.

For more ideas on where to sweat it out indoors, see our Google map.

It’s never too late to be a better you

TreadmillIf you’ve already given up on your New Year’s resolutions, don’t stress about it — statistically, 25 percent of people who make them don’t keep their resolutions for more than seven days!

Despite our best intentions, changing our lives for the better isn’t easy. That’s why Independence Blue Cross offers personal support and resources to help members enrolled in our health plans stick with their healthy lifestyle changes — 365 days a year.

Start off on the right foot
Just taking the first few steps toward improving our health can be daunting. To help make it easier to start, our members can call a Health Coach 24/7 at 1-800-ASK-BLUE (1-800-275-2583). These health care professionals can answer members’ health-related questions and address concerns, empowering them to make important decisions about wellness and preventive health.

Stay motivated with reimbursements and discounts
With our Healthy LifestylesSM Solutions* reimbursements, we reward members for taking small steps every day that can lead to big changes in their health. Members can earn up to:

  • $150 back on fitness center fees
  • $150 back on an approved weight loss program
  • $150 back on a program to quit tobacco use

Plus, members can also take advantage of valuable discounts on health-related products and services from leading national companies, like fitness gear and weight loss programs, to help them save money while doing something that’s good for them.

Set and track your goals to get results
When our members are on the go, they can download our free IBX app to get trusted health information from WebMD® on their mobile device. Plus, they can use the app to access convenient WebMD® tools to help them set personal wellness goals and track their progress.

The good news is, even if your efforts to change have gotten off track, the new year is still young! It’s not too late to start now (or start again). This time next year, you’ll be glad you did.

*These are value-added programs and services. They are not benefits under an Independence Blue Cross health plan, and are, therefore, subject to change without notice.

WebMD® is an independent company offering online health information and wellness education to Independence Blue Cross.

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Mary Eileen

I am a senior copywriter at IBX. For me, the key to personal health and wellness is having simple goals and sticking to them — whether it’s drinking more water, working in a few extra steps each day, or just making time to unplug once in a while. When I’m not busy wordsmithing, my favorite ways to unwind include enjoying local arts and culture, reading a good book, and watching TV cooking shows.

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Top 3 ideas for a good-for-you getaway

Beach YogaWith arctic temperatures here to stay for awhile, I know I’m not the only person who wants to fly away to a warm beach somewhere. Research has shown that even the simple act of planning a vacation — whether we’re booking a real getaway or surfing travel websites — can temporarily reduce stress and increase happiness.

Planning a trip to enhance health and well-being, commonly known as wellness travel, is a growing trend. If you’d like to make personal wellness the focus of your next vacation, consider these three ideas for a good-for-you getaway:

1. Strike a pose.
Whether you practice yoga faithfully or you’re new to this ancient discipline and want to perfect your asanas, yoga retreats offer you uninterrupted time to work on uniting your mind, body, and spirit. Retreats are available for different yoga styles (such as Ananda or Bikram), ability levels, and locations, including destinations in warmer climates, as well as several nearby options on the East Coast.

2. Relax and rejuvenate.
Wellness resorts cater to the whole person through a combination of health, fitness, and nutrition. Relax with spa treatments like massages and facials, get energized at a variety of fitness classes, and nourish your body with three healthful meals a day. There are even resorts that help you unplug and unwind by offering a digital detox.

3. Supercharge your body.
Want to challenge yourself to get in better shape? Then a destination fitness boot camp may be right for you. There are boot camps geared to all fitness levels and preferences, from those focusing on lower-key exercises like yoga and Pilates to high-intensity, military-style workouts. Depending on the location, they can also offer diverse fitness activities such as hiking, swimming, and kayaking.

No matter where you’re headed in 2015, IBX offers travel insurance plans to help give you peace of mind and keep you focused on reducing stress and improving wellness.
Researching this post has given me some great ideas for what to do with my vacation time this year. And it’s good to know that, whenever I need it, a quick mental escape is as close as my computer keyboard!

What’s your idea of the perfect wellness vacation?

The inclusion of the above links does not imply endorsement.

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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.

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Frequently Asked Questions about your health coverage

ID cards | Billing | Customer service

Member ID cards
I just received my new member ID card in the mail. When can I start using it?
You can start using your new member ID card on the date your coverage from Independence Blue Cross (Independence) goes into effect, called the effective date. Be aware that you may receive an ID card up to 10 business days prior to the effective date. If your previous coverage is from Independence, use your old member ID card until the new card’s effective date. If you lost or destroyed your old ID card, you can print a temporary ID card on the secure member website, ibxpress.com.
If you use your new member ID card before the effective date, computer systems used by health care providers and pharmacies may not be able to identify you or find your coverage information. If this happens, your health care provider or their staff may perform a search on your name and date of birth, instead of member ID number; this should enable them to find the right information.

I have not yet received my member ID card. Can I still register the secure member site, ibxpress.com?
Yes. You can register for ibxpress.com using your Social Security Number. Simply enter your Social Security Number in the member ID field on the registration form. This field will accept your Social Security number as well as your member ID number.

How can I get a temporary ID card?
If you need a temporary ID card, you may:

  • Log on to ibxpress.com to print a temporary ID card.
  • View a card image through the IBX Mobile app.
  • Call the Independence Blue Cross customer service team at 1-800-ASK-BLUE.
  • If you call, a customer service rep will verify your date of birth and mailing address. A new, permanent ID card will be mailed to you in 7 to 14 days.

If you need your ID number before your new card will arrive by mail; for example, if you need it to fill a prescription, the customer service rep may provide you with your member ID number over the phone, as long as your identity can be verified.

If cannot access your temporary ID card on ibxpress.com, a customer service rep may help you assess the problem, and provide log on assistance, as needed.

Billing
How do I pay my bill?
We offer you several convenient ways to pay your health insurance bill.

Customer service calls
Should I expect a long wait when calling Independence Blue Cross customer service?
Independence Blue Cross (Independence) recently introduced new technology to eliminate the necessity for long waits, even at our busiest times. If call wait times are extended, you may request a call back rather than wait for a customer service rep.

Simply follow voice prompts to request a call back. You will not lose your place in line; therefore, your wait time will not be affected. An Independence customer service rep will call you.

What can I do to help make my call to Independence Blue Cross customer service go smoothly?
Please have your Independence Blue Cross member ID readily available. Be prepared to enter your member ID number using the keypad on your phone when prompted.

Your member ID number is 12-digits in length and located on the front of your member ID card, underneath your name. If you have a Medicare Supplement plan, this number is 13 digits with the last digit being a letter from the alphabet. Entering your member ID when prompted helps to ensure that your call is routed to the right person, thereby preventing delays.

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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.

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Specialty care for all of you – from head to toe

Vision & DentalRegular checkups of your oral health, together with vision care, are a powerful way to gauge your overall health, and can help maintain good health throughout your life. That’s why it’s important to consider a dental and vision plan along with your medical plan.

From a young age you’ve been taught to brush and floss at least twice a day in order to prevent tooth decay and keep your smile looking great. What you might not know is the effect these actions combined with routine visits with a dentist can have on maintaining and even improving your overall health. In fact, studies have shown that treating gum disease through regular dental visits can significantly reduce hospitalizations for chronic conditions, such as stroke, heart disease, and diabetes, which can save people thousands on medical costs.[1]

Independence Blue Cross dental plans give you access to over 2,000 dental providers in Southeastern Pennsylvania so you can get care in a location that is convenient for you.

What’s more, regular eye exams can help reveal health conditions that we might not otherwise know exist such as diabetes, high cholesterol, high blood pressure, and other health conditions. The Centers for Disease Control and Prevention (CDC) estimate that 14 million individuals aged 12 years and older have visual impairment, among which more than 80% could be corrected to good vision with eye glasses or contact lenses.

Independence Blue Cross vision plans include a significant frame allowance that can be used toward the frames of your choice, including designer brands. The plans also include a one-year warranty if your frames break. Plus, with more than 40,000 ophthalmologists, optometrists, and retailers in our network, including Visionworks, which has one of the largest in-store frame assortments in the industry, there’s likely to be a brand to fit the style you’re looking for.

The good news is, you don’t have to look any further than Independence Blue Cross to get dental and vision plans that fit your coverage needs and budget, and you get a 15% discount on your vision plan when you buy both.*

Ready to help protect your overall health for the long-term? Learn more about purchasing an Independence Adult Dental and Vision Care plan and get covered from head to toe.

*Discount available when the following Adult Dental and Vision Care plans are purchased together: Adult Plus Dental and Vision Care 100, Adult Plus Dental and Vision Care 180, and Adult Prime Dental and Vision Care 180.

[1] Jeffcoat MK, Jeffcoat RL, Gladkowski PA, Bramson JB, Blum JJ. Impact of Periodontal Therapy on General Health: Evidence from Insurance Data for Five Systemic Conditions, American Journal of Preventive Medicine, 47 (2014) pp. 174–182. DOI: 10.1016/j.amepre.2014.04.001.

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Ginny Palmieri

Ginny Palmieri is vice president of Specialty Services for Independence Blue Cross (Independence). She is responsible for all facets of Specialty Services, including the launch and delivery of Specialty services and a transformation of the distribution of the Independence suite of Specialty products to the market. Product lines include Dental, Vision, Rx, Voluntary Insurance (Accident, Critical Illness, Cancer, Life), Stop Loss, Cobra, EAP and travel insurance. Ginny has over 25 years of diverse experience in strategy, marketing, human resources, operations, and communications management, with a strong record of accomplishment in developing teams that consistently meet and exceed corporate goals. Prior to her current role, she held senior positions at Independence Blue Cross as well as other leading health care and financial services companies, including Commerce Bancorp, Bank of America/FleetBoston Financial, Founders Health Care (Allegheny Healthcare System), Carson Valley School, and the American Red Cross.

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Use it or lose it: Top 3 ways to spend your FSA dollars before December 31

Pharmacy ShopperThe end of 2014 is fast approaching, which means you may only have a few weeks left to use up any funds left in your medical flexible spending account (FSA). Remember, because of IRS regulations, you forfeit unused FSA balances at the end of your plan year.[1] If you don’t use the funds by December 31, you lose them![2]

Stumped about what qualifies for an eligible FSA purchase? Read on for our top 3 ways to use your FSA funds before 2014 is over:

1. Deductibles, copayments, and coinsurance for covered medical and dental services.
It’s time to schedule those doctors’ and dentist appointments that you’ve been neglecting all year. Get those preventive health visits or teeth cleanings in before the end of the year, and you can use your FSA funds to cover your copayments, coinsurance, or deductible.

2. Covered prescription drug and vision expenses.
Stock up on contact lenses or contact lens solution, get a new pair of eyeglasses, and schedule a vision exam. Many vision expenses are eligible for reimbursement, so now’s the time to take care of any vision services you’ve been putting off.

Prescription drugs are also eligible for reimbursement, so another way to use all your FSA funds is to make sure you fill all of your prescriptions before the year ends.

3. Over-the-counter medications with a prescription.
If you have a condition that requires over-the-counter medications, you may be eligible for reimbursement for these medications, as long as you have a prescription. This may include pain relievers, antacids, antihistamines, decongestants, and cold medicines. Dietary supplements or vitamins (e.g., fiber supplements or calcium) may also be eligible if prescribed by your doctor.[3]

For a full list of the FSA expenses that may be reimbursed, refer to IRS Publication 502, which is available online at www.irs.gov.

Notes:

  • Generally you have time in early 2015 to submit FSA expenses incurred in 2014. This run-out period allows you some time to pull together all your receipts and submit them.
  • FSA rules vary by plan so you should confirm your plan’s specific FSA rules with your employer or plan sponsor.
  • You can use your medical flexible spending account to cover eligible expenses for you and your eligible dependents. Eligible dependents include any person you claim as a dependent for federal income tax purposes.

[1] Unless your FSA plan offers the 2 ½-month extension or the $500 rollover option.
[2] Depending upon plan design.
[3] Items used to maintain general health (e.g., Chapstick® or One-a-Day® vitamins) are not eligible.

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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.

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Common questions about the 2015 open enrollment period for individuals

There’s a lot to know about enrolling in health coverage, whether you’re a first-time buyer or renewing a plan. So we’ve compiled a list of questions you may have about enrolling in a plan, renewing a plan, and paying your premium.

Enrollment | Renewals | Payments | ID cards

Enrollment

How do I enroll?
If you’re a first-time buyer, it’s easiest to enroll online, but you can also call 1-888-475-6206 to enroll or request an enrollment kit. If you’re a returning member and you need to renew your plan or choose a new one, skip ahead to the Renewals section.

How long do I have to enroll?
Open enrollment for 2015 coverage runs from November 15, 2014, through February 15, 2015, but there are a number of key dates you’ll want to be aware of.

November 15, 2014 – Open enrollment began

December 15, 2014 – Last day to apply for coverage with a January 1, 2015 effective date

January 15, 2015 – Last day to apply for coverage with a February 1, 2015 effective date

February 15, 2015 – Last day to apply for 2015 coverage with a March 1, 2015 effective date

If you experience a qualifying life event, you may be able to get coverage sooner through a Special Enrollment Period.

What plans are available for 2015?
We have a wide variety of plans available for you to choose from. Compare plans and benefits.

How do I confirm my coverage and eligibility once I’ve enrolled?
If you purchased a plan directly from Independence Blue Cross, you will receive an email that day to confirm your application was received. All new members will receive a letter from Independence Blue Cross confirming your enrollment within 7-10 days after your application was submitted.

Renewals

How do I renew my current plan?
If you do not make a change by December 15, 2014, you will automatically be renewed in the same plan (if your current plan is available), or a similar plan (if your current plan is not available). You can view your renewal summary and new rate for 2015 coverage by logging into your ibx4you.com account and clicking View Your Renewal Summary. If you do not remember your username and password, you can reset your account.

If you received a subsidy in 2014, it’s important to make sure you get the most accurate subsidy for your 2015 health plan to avoid tax penalties. Update your application at www.healthcare.gov or contact the Marketplace at 1-800-318-2596 with your household income to confirm your 2015 subsidy amount and renew your health plan.

Who can I contact for help with my plan renewal?
We encourage you to log in to your ibx4you.com account to view your renewal information first. You can also speak with one of our agents by calling 1-888-475-6206.

Can I change plans for 2015 coverage?
Yes, you can change plans for 2015 coverage by logging into your ibx4you.com account and selecting Shop Plans. For coverage to be effective for January 1, 2015, you will need to select your new plan by December 15, 2014.

Changes to your plan will not appear in your member profile until approximately one week after your request. For example, if you make changes to your policy on a Saturday, you may not see those changes until the following Friday.

  • All changes must be made within one policy change request, otherwise you will need to wait approximately one week until you can submit another change.
  • If the effective date is in the future, you will find the requested changes to your plan information under “Open Policy Change Requests” until the actual effective date, at which time the updated policy information will move to the “Current Coverage” section.
  • At any stage before you submit your plan changes, you can withdraw your request by selecting “Return to Checklist/Withdraw.” Once you hit “Submit,” you cannot withdraw.

Do I need to do anything to renew with a subsidy?
It is important that you review your Marketplace application, and update your Marketplace application if necessary, to ensure that you receive the full amount of financial assistance that you may be eligible to receive in 2015. If you do not have the correct subsidy in 2015, you may be subject to a tax penalty at the end of the year for a subsidy that was too large. If you do not update your Marketplace application, you will automatically be enrolled in your renewing coverage with your 2014 subsidy amount.

If you have questions about your subsidy or need to update your subsidy amount, visit www.healthcare.gov or contact the Marketplace at 1-800-318-2596. Not sure if you are eligible for a 2015 subsidy? Use our subsidy calculator to see if you may qualify.

Why don’t I see my 2015 renewal when I log in to my ibx4you.com account?
If you purchased your 2014 health plan after November 1, 2014, you will not be automatically enrolled in a plan. Therefore, you will not see renewal information in your ibx4you.com account. To enroll in a plan for 2015, you will need to create a new account and actively select a plan. You can do this by visiting www.ibx4you.com, clicking Shop for a Plan, and selecting Shop Now.

How can I update the contact information in my account?
If you purchased your health plan directly from Independence Blue Cross and want to update your home address, phone number, date of birth, and other information associated with your account, log in to your ibx4you.com account and click Request Change.
If you purchased your health plan from the Marketplace, visit www.healthcare.gov or contact the Marketplace at 1-800-318-2596 to update your account information.

Payments

What are my payment options?
We have plenty of options available for you to pay your premium. The easiest and most convenient options allow you to pay by e-Bill on ibxpress.com or pay by phone using our automated system. Learn more about payment options.

ID cards

When should I expect to receive my ID card?
You should receive your ID card by January 1.

If you do not have your ID card by January 1, 2015, you can log in to www.ibxpress.com to print a temporary card.

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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.

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