Family Health Insurance: Taking Care of Those Who Depend on You

Smiling couple holding their two small kids in a field
Nothing is more important than protecting your family’s health and well-being — enrolling in family health insurance is one of the most important ways to do just that. Here are five good reasons to keep your family covered:

1. Health insurance helps keep your family healthy

Health care isn’t just about taking care of illnesses and injuries when they arise....
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Enroll Now for a Quality 2020 Health Insurance Plan

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Open Enrollment for 2020 individual and family health insurance plans starts November 1, 2019, and ends December 15, 2019. During Open Enrollment, you can apply for a new health insurance plan, change your health plan type, or make updates to your existing health plan, such as adding dependents. Any new plans or changes you make by December 15 will go into effect on January 1,...
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HMO vs. PPO: Which Plan Is Best for You?

A young woman sits on the floor, studying papers and her laptop
If you’re shopping for a health plan, odds are you’ll come across the terms HMO and PPO. While there are many different types health plans out there, these two are among the most recognized. Here’s a quick guide to help you figure out which one is best for your health needs and budget.

HMO Health Insurance Plans

HMO stands for Health Maintenance Organization....
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Your Health Insurance Deductible Explained

A couple reviewing deductible information from Independence Blue Cross
There are a lot of important things to consider when you’re shopping for health insurance, including: What doctors and hospitals will you be able to use? How much will you pay when you need care? Does your health plan have a deductible? Before you pick a health insurance plan, be sure you understand the basics — especially when it comes to your health insurance deductible....
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The Value of an Independence Blue Cross Health Plan

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Consider for a moment the following statistics: From 2012 to 2016, commercial health care prices in the United States rose three times faster than inflation. In the Philadelphia area, commercial health care prices rose 16 percent between 2012 and 2016. Between 2010 and 2025, prescription drug prices in the United States are expected to increase by 136 percent....
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The Cost of Health Insurance Is More Than Just Your Premium

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Choosing a health insurance plan is an important decision. Like with any big purchase, you’ll want to compare how much you pay and what you’ll get in return. When you’re shopping for a plan, the “price tag” is the monthly premium, which is the amount you pay to your health insurance company to keep your coverage active....
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When, Why, and How to Change Medicare Plans

As a Medicare beneficiary, you can change your Medicare plan every year. And while there are certain timeframes when you’re allowed to make the change, there are many reasons why you might want or need to change, including: Maybe your health care needs have changed, and you need benefits not offered by your current plan. Some specialists,...
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Health Insurance Company Comparison: Independence Blue Cross vs. Oscar and AmBetter

Man comparing Independence Blue Cross to Oscar and AmBetter
Open enrollment is here, and once again Independence Blue Cross (Independence) is proud to offer the most health plans in the Philadelphia region. When it comes to 2020 health insurance plans, we know you have choices. That’s why we work hard to provide you with a range of plans to meet your needs and budget.

What Are You Looking for in a Health Plan?

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Changes Ahead: Medigap 2020

Medicare Supplement plans are also known as Medigap plans. They are insurance plans that add on to the coverage you get from Original Medicare (Part A and Part B). Medicare Supplement plans help with some of the roughly 20 percent of out-of-pocket costs left over after Original Medicare pays its share. This added-on coverage gives people peace of mind that the medical services they need will be covered....
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