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?
Looking for a health plan that offers full network access with ways to save money? We’ve got that.
Want health plans with no deductible? We’ve got that, too.
How about a health plan with 24/7 access to doctors with telemedicine? We’ve got you covered there, too.
Independence has been serving the Philadelphia region for more than 80 years, and we’re proud to be the only health insurance company that has been in this market since HealthCare.gov opened.
Choosing Health Insurance is About More Than the Price of Your Premium
Health insurance is about your total cost of care. When shopping for a health plan during Open Enrollment this year, consider the following costs that make up your total cost of care:
- The premium, or the cost to buy your health plan. This is the amount you pay every month for your health plan.
- Out-of-pocket costs, or the cost to use your health plan. This is what you pay when you go to the doctor or hospital. In addition to your monthly premium, consider things like: deductible, the amount you will pay before your insurance benefits kick in; co-insurance, the percentage of the cost you will pay each time you receive care; co-pay, a flat fee each time you receive health care services.
Independence Silver Proactive Health Plan Options Compared to Oscar and AmBetter Options
Here’s a look at how our 2020 health plans compare with other insurance providers’ offerings.
What is Your Total Cost of Care?
If you compare total cost of care between health plans, wouldn’t it make more sense to pay $60 to $384 more a year in premiums in order to save $4,500 to $7,000 in deductible?
You May Qualify for Financial Assistance
When you enroll in a health plan through HealthCare.gov, financial assistance may be available if you qualify. Sometimes called a tax credit or subsidy, financial assistance is available for those who qualify to help pay for health insurance costs. You may qualify for:
- Lower monthly premiums
- Lower monthly premiums and lower out-of-pocket costs when you receive care
Your household income, household size, and where you live determine if you are eligible for a tax credit. If you think you may qualify, use our online tax credit calculator.
Don’t Miss Your Chance for Health Insurance in 2020
Open Enrollment for 2020 individual and family health insurance plans is open now until December 15, 2019.
Shop for a plan that works for you.
1 45-year old non-smoker
2 Over 50% of providers are in Tier 1
3 Pennsylvania Association of Community Health Centers Webinar
4 Zelis Network 360
6 Pennsylvania Insurance Department Rate Change Request Summary – 2020
7 Corporate Insight