Individual Insurance Plans

Independence Blue Cross

Thank you for your interest in the individual insurance plans from Independence Blue Cross and Keystone Health Plan East.

Independence Blue Cross offers five Personal Choice Plans (two are HSA qualified).  Keystone Health Plan East offers six different HMO plans.  You can choose a plan that meets your needs and your budget.

Some of the benefits with individual insurance plans available from Independence Blue Cross and Keystone Health Plan East include:

•Affordable premiums
•Emergency and urgent care
•Prescription drug benefits
•Coverage for routine eye exams, eyeglasses or contacts
•No claim forms to complete
•Personal Choice (including HSA) require no referrals
•HMO includesa convenient electronic referral process
•In addition, value-added reimbursement rewards for fitness memberships and weight management programs are available

Click to get a quote or apply online.

Personal Choice  PPO®
(medically underwritten plans)

•Individuals may receive care from any provider without a referral, in-network or out of network.
•Plan covers primary and specialist care, preventive care, hospitalization, emergency and urgent care, and prescription drugs.
•The preexisting condition exclusion can be reduced or eliminated with credit given for prior coverage under a Blue plan as long as the individual transfers directly without a break in Blue plan coverage.  Aplicants covered by another carrier may also be eligible to reduce or eliminate the preexisting condition exclusion.  To be eligible, applicants must have had coverage for at least 18 months without a break in coverage of more than 63 days prior to their current application.
•Because this is a medically underwritten plan, coverage is not guaranteed, so some applications may not be approved based on medical conditions.  Final rates are based on age, gender, and medical history.


Eligibility Requirements:

•You are between 18 and 64.
•You are in generally good health.
•You are not an expectant parent, in the process of adoption, or surrogacy.
•You must not be eligible for Medicare.


Keystone Health Plan East HMO
(medically underwritten plans)

•Members select primary care physician from out expansive network to coordinate all care.
•Plans cover primary and specialist care, preventive care, hospitalization, emergency and urgent care, vision, and prescription drugs.
•Because this is a medically underwritten plan, coverage is not guaranteed, so some applications may not be approved based on medical conditions.  Final rates are based on age, gender, and medical history.
•The preexisting condition exclusion can be reduced or eliminated with credit given for prior coverage under a Blue plan as long as the individual transfers directly without a break in Blue plan coverage.  Applicants covered by another carrier may also be eligible to reduce or eliminate the preexisting condition exclusion.  To be eligible, applicants must have had coverage for at least 18 months without a break in coverage of more than 63 days prior ro rheir current application.


Eligibility Requirements:

•You are between 18 and 64.
•You are in generally good health.
•You are not an expectant parent, in the process of adoption, or surrogacy.
•You must not be eligible for Medicare.