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IBX Insights

Independence Blue Cross Health Plans Can Help You Save Money

By December 20, 2022November 27th, 2023Benefits Enrollment Health Insurance
Illustration of two people putting huge coins in an enormous piggy bank.

The Open Enrollment Period for health insurance ends on January 15. If you haven’t chosen a health plan, now is the time for you to make that selection and complete your enrollment.

Picking an affordable health plan can feel like a daunting task. After all, how do you know if you’re getting the best value for your money? Hint: It’s about more than just the monthly premium. In addition to what you’ll pay every month, be sure to consider other factors like what the health plan covers, how much you’ll pay when you get care (i.e., copay, coinsurance, and/or deductible amounts), and whether your doctor(s) are in the network. Independence Blue Cross (Independence) has a variety of health plans with robust benefits to choose from, and options to suit anyone’s budget. And depending on your family size and household income, you may qualify for a tax credit to cover some or all your costs!

More Ways You Can Save with an Independence Health Plan

While premiums, copays, and deductibles are important factors in your health care costs, they don’t tell the whole story. Why? Because Independence plans also have many built-in ways for you to save money on the care and services you need.

For instance, you’ll pay $0 out-of-pocket for:

And that’s just the beginning! As an Independence member, you can enroll in AblePay Health at no cost and save up to 13 percent on your out-of-pocket medical costs. You can even take advantage of programs that help you lower the cost of higher education and reduce student loan debt.

Dollar for Dollar, Independence Health Plans Are a Great Value

In times like these, with prices going up on so many essential things, it’s good to know that you have options to keep your health insurance affordable. Independence health plans also give you many ways to save on your health care costs.

This is your last chance to apply for a 2023 health plan. If you do not enroll by January 15, you may have to wait until 2024 for coverage. Shop plans today at!

This article is part of a series jointly published by Al Día News and Independence Blue Cross. Look for these other articles:

*Cost-sharing may apply for Catastrophic and HSA-qualified health plans. MDLIVE is an independent company that provides telemedicine, telebehavioral health, and teledermatology services for Independence Blue Cross members.

AblePay Health is offered by AblePay, an independent company. It is not a Blue Cross or Blue Shield product. Independence Blue Cross is acting solely as an agent for AblePay. AblePay is solely responsible.

Brett Mayfield

Brett Mayfield is senior vice president and market president — local. He joined Independence Blue Cross in 1991 and is responsible for the new business and retention of Independence’s Consumer, Small Group, and Middle Market segments. Brett graduated from Shippensburg University in Pennsylvania with a bachelor’s degree in criminal justice. He currently resides in Maple Glen, Pennsylvania with his family.