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2025 Individual Independence Plan Information

Want to add us as your current Pennie agent of record, click below to see how: 

CertifiedBroker

 

Thank you for your interest in the Independence Blue Cross Individual plans for the 2025 plan year. 

With several health plans that you can choose from - you can likely choose a plan that will meet your needs and your budget. Independence, AM Better, Highmark and OSCAR are offering plans in this area at this time. We're excited to talk with you and help you give through your needs to choose the best carrier.

 

Sometimes a little research goes a long way and prevents surprises. Speak with us to help do all the research and set expectations into PARTICIPATING Providers and Out of Pocket expectations.

Not all Medical Carriers have the fullest network in all areas - we should be thorough to make sure all the providers you use and will possibly want access to are in the plans network first.

Prescriptions are also an important consideration for many looking into coverage for the first time. 

 

Premium Relief by way of the Affordable Care Act sometimes called "Obamacare" or the ACA, offers a subsidy (tax credit) to help families and individuals in some circumstances make their payments and out of pocket more affordable. Healthcare.gov might be a term you have been hearing the last few years. www.Pennie.com or "Pennie" is the "Pennsylvania Insurance Exchange". It is our State's official www.Healthcare.gov administrator. All PA residents use Pennie to secure their Advanced Premium Tax Credit.

Instructions enclosed: Add our office as your Pennie broker to help you all year with your claim questions or membership changes. 

 

2025 Individual Independence Blue Cross Plans

Including plans from Keystone (HMO) and Personal Choice (PPO)

 2025 Ind Independence Brochure Thumb 2025 Individual Brochure

 

 2025 individual rate sheet thumb 2025 Individual Rate Card 

 

Complete an application for Individual Keystone or Personal Choice here.

 

 

 

Ameritas Dental & Vision Plans 

in Pennsylvania including Bucks, Montgomery, Philadelphia, Delaware and Chester County 

       If you have had dental coverage for Major Services for the last 12 months or more, this is the carrier for you! Check out their Credit for Prior Coverage! 

NO sign-up or billing fees! *  

 Click here to quote Ameritas Dental & Vision coverage for Individuals and Families
ameritas ind de 2021

 Did you know we can also help you save money on your insurance for your automobile & home?

 

 

What is the Keystone HMO Proactive plan? How do these "Proactive" plans work differently?  

 

Independence's FAQ page on Proactive plans

 

 

LGBanner Life Insurance

 

 2024 Individual Independence Brochure    2024 Individual IBC Rate Sheet