Renewal Guide - Independence Blue Cross
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Renewal Guide
Independence Blue Cross (Independence) is leading Table of contents
the way to SMARTER, BETTER HEALTH CARE while
SM
What’s new in 2023�������������������������������������� 3 – 4 Tailored health plan solutions
focusing on what matters to you.
Health plans to fit your needs and budget�������������� 20
Quick guide to your total benefits solution������ 5
Site of service benefits �������������������������������������� 21
Health care focused on employees’ overall health Virtual care����������������������������������������������������� 22
Personalized member engagement Improving health care in Plans and programs to keep your employees healthy����� 6 Telemedicine
every community Comprehensive care management����������������������� 7 Telebehavioral health
Driving better employee health and health
care decisions. Teledermatology
Applying a unique perspective that drives Condition and lifestyle solutions�������������������������� 8
smarter health care solutions. Ovia Health™ Keystone HMO Proactive tiered network plans������ 23 – 24
Wondr Health™ Keystone HMO Proactive hospital tier placements
Tailored health plan solutions Innovating purposefully
Well-being programs������������������������������������� 9 – 10 Integrated prescription drug program����������� 25 – 26
Providing proven solutions focused on the Addressing today’s and tomorrow’s
Achieve Well-being Prescription drug program features
needs of your business and employees. challenges in new ways.
Achieve Well-being rewards PreCheck MyScript
Achieve Well-being@Work Managing costs for high-cost drug therapies
Reimbursements and discounts Specialty pharmacy
Biosimilars
Financial well-being solutions�������������������� 11 – 13
Sign up for IBX WORKS emails Most Cost-Effective Setting program
Spending accounts
Get helpful information about your health plan Vision and pediatric dental benefits��������������������� 27
The College Tuition Benefit®
benefits, important industry topics and trends, GradFin student loan repayment program Adult and pediatric vision coverage
and tips and discounts delivered to your inbox. AblePay Pediatric dental coverage
Scan the QR code or visit ibx.com/IBXWorks.
Personalized member engagement Additional benefits
Identifying needs and strategies��������������������������� 14 Standalone family and adult dental plans ������ 30 – 32
Reaching members where they are��������������������� 15 Family PPO dental plans
Adult PPO and Managed Care dental plans
IBX Wire®
Extra protection for added peace of mind�������������� 33
Social channels
eNewsletters Guardian® supplemental insurance
Digital tools International health solutions from Blue Cross Global
Our commitment to our customers��������������������� 16
What's not covered ��������������������������������������������� 34
Best-in-class account management
Service excellence
Online benefits administration
Innovating and improving care in our community
Diversity, equity, and inclusion�������������������������� 18
Accelerate Health Equity��������������������������������� 18
Blue Pledge for meaningful change�������������������� 18
2023 Small Group Plans | Independence Blue Cross 2
Our Blue Solutions portfolio helps meet the unique needs of small employers with cost-effective and
innovative health plan designs, well-being programs, and value-added services. We’re pleased to bring
you the following enhancements for 2023:
Streamlined portfolio Increased Achieve Well-being reward New WealthCare Saver investment solution
Every year, we examine our portfolio to ensure our Subscribers can now earn $300 (a $150 increase from Available now to members enrolled in an Independence
customers have options that make sense for their 2022) when they complete six activities every year. high-deductible health plan (HDHP) with a health savings
business and their employees. For 2023, we’re offering Activities include, but are not limited to, completing their account (HSA), this new WealthCare Saver investment solution
customers the flexibility to choose up to four health plan Well-being profile, a checkup with their primary care makes it easier for account holders to invest their HSA plan
options when one option is an HMO/DPOS plan. physician, getting a flu shot, and a nutrition counseling visit. funds for long-term growth.
We’re also making it easier for members to understand Learn more about Achieve Well-being rewards on page 9. Learn more about the WealthCare Saver investment solution
their benefits by removing complex coinsurance on page 11.
up-to-max benefit designs on outpatient surgery for
select plans. In addition, we're waiving the emergency New condition and lifestyle solutions
room cost-sharing on all copay plans when members are The College Tuition Benefit’s SAGE
admitted to the hospital. To help support your employees’ whole health, we’re now
including Ovia Health (Ovia) and Wondr Health (Wondr) Prime program
with our health plans, at no additional cost. Ovia provides Your employees can now take advantage of
family health and parenting support, and Wondr teaches The College Tuition Benefits’ SAGE Prime program
Scan the QR code to access a sustainable weight loss skills. to help them reduce tuition for their professional
digital version of this brochure. Learn more about these lifestyle solutions on page 8. certification, graduate studies, or degree completion.
Learn more about SAGE Prime on page 12.
3 2023 Small Group Plans | Independence Blue Cross 4
Blue Solutions health plans go beyond just medical benefits. We make it easier for your employees
and their families to stay healthy: physically, mentally, and financially.
Our ACA-compliant health plans provide cost-effective coverage. They help empower your
employees to stay healthier and save money on their health care.
Variety of coverage options Pediatric dental
• 37 health plans including PPO, EPO, Direct POS, • All health plans include pediatric dental benefits for
and HMO options dependents up to age 19 Be healthy Get rewarded
• Copay, coinsurance/deductible, copay/deductible, • Pediatric dental benefits provide 100 percent with the largest network, by completing healthy activities to
and high-deductible health plans coverage for in-network dental exams and cleanings virtual care options, earn money back, plus get discounts
• Spending accounts: HSA-qualified plans once every six months and free nutrition counseling. on health and entertainment.
(PPO and EPO options); HRA-qualified plan
(PPO option)
Financial well-being tools
• Site of service benefits included in certain health plans1
• Virtual care options as low as $0 through MDLIVE® • AblePay, The College Tuition Benefit, and GradFin
or an in-network primary care provider or specialist are included at no cost to support employees’
at a reduced cost-share financial well-being
Stay connected Save money
Prescription drug Complete your benefits package to a health coach, mental health when you save, invest,
You can purchase the following benefits to add to your support, your online benefits, and spend through a tax-
• All health plans include prescription drug coverage
Blue Solutions health plan: and text/email messaging. advantaged HSA or HRA.
• All health plans include coverage for 90-day fills of
maintenance medications at Rite Aid pharmacies for • United Concordia dental plans:
the same cost-share as mail order Affordable standalone family and adult dental plan
options offer in- and out-of-network benefits.
• All health plans include low-cost generics2
• Guardian supplemental insurance:
Multiple products help provide your employees
Adult and pediatric vision with financial security in case of illness or injury.
• International health solutions through
• All health plans include adult and pediatric Blue Cross Global: Flexible solutions for
vision benefits short-term business travel and long-term
• Members can use their in-network vision benefit expatriate assignments.
at over 116,000 points of access including
Befitting.com, Glasses.com, Visionworks.com,
and 1800Contacts.com
• Enhanced frame allowance available at Visionworks®
1 All plans include the Preventive Plus colonoscopy benefit. Other site of service benefits vary by plan design.
2 For HSA-qualified and HRA plans, members will need to meet their plan’s deductible to receive low-cost generics. The PPO Bronze HSA-0 $7,450/100% plan will continue to apply
0% after deductible to all generic drugs.
5 2023
2023 Small
Small Group
Group Plans
Plans || Independence
Independence Blue
Blue Cross
Cross 66
Connecting your members to the right care Condition and lifestyle solutions
Our comprehensive and integrated approach to care management is grounded in our strong local presence and offer extra support
relationships, enabling us to provide your employees with personalized support that connects them to the right care and
resources. This leads to better outcomes; promotes more informed, empowered decision-making for your employees; Part of covering someone’s overall health needs is offering solutions
and reduces costs through early and targeted intervention and guidance. that go beyond medical benefits. The following programs provide
members with the extra support they need to live their best lives.
We accomplish this in four ways: Ovia Health provides personalized mobile support for
pre-conception, pregnancy, and parenting.
Managing chronic and Managing utilization effectively
complex conditions Wondr Health teaches sustainable weight loss skills to reverse
• Working directly with providers metabolic syndrome (MetS) risk factors, including hypertension
• Monitoring employee health trends to monitor medical necessity and and prediabetes.
and patterns to ensure they receive coordinate appropriate health care
appropriate health care • Partnering with expert vendors
• Supporting providers in care to address complex and costly
planning and interventions with medical treatments
robust data and analytics
Support for expecting members
• Giving employees support and tools
to better manage, organize, Increasing engagement Our Baby BluePrints® maternity program helps expecting members feel healthy, confident, and comfortable
and engage in their care through health coaching throughout their pregnancy. Registered Nurse Health Coaches assist pregnant members with program enrollment and
are available to support them 24/7. The program also offers enrolled members reimbursements, free offers, and other
• Layering analytics on top of data to discounts. Members also have access to Family Planning benefits and helpful tools at ibx.com.
identify risk, then conduct outreach to
Supporting mental and engage and educate members
behavioral health • Identifying current and future health
• Facilitating collaboration between risks through targeted clinical
primary and behavioral health care messages and outreach
providers through programs like Quartet • Providing 24/7 access to a
Registered Nurse Health Coach, Scan the QR code for
• Increasing access to virtual
telebehavioral health care, resources, and support for members more information
online programs, and digital tools with chronic conditions
about these services.
• Focusing on effective substance • Offering a maternity program that
use treatment and recovery supports pregnant members
• Expanding public awareness with
campaigns like #KnowYourMind
and #MindPHL
Utilization management by the numbers
7 2023 Small Group Plans | Independence Blue Cross 8
Well-being programs encourage Member-specific resources for mental health
and substance use disorder
healthy behaviors
Members can access information and resources at ibx.com to help
The prevalence of chronic conditions, unhealthy lifestyle choices, improve their mental health and overcome challenges due to substance
and mental health challenges are key factors in rising health care use disorder, including:
costs — and, ultimately, your bottom line. We have a range of •S
elf-assessment tools
well-being programs that encourage healthy living.
•C
overage, benefits, and treatment costs
•S
pecialist provider finder
Achieve Well-being
Members have access to self-service tools through the IBX mobile app to
help them stay healthy and earn Achieve Well-being rewards. Reimbursements and discounts
•E
ngaging online tools that make it easy for members to reach their Providing additional perks and programs can help your
well-being goals members and their families get the most from their health plan
— whether it’s keeping fit or having fun. We offer reimbursement
•T
argeted programs to address physical and emotional well-being
opportunities and discounts to help encourage members to make
•P
ersonalized profile and action plan includes ongoing activities and reminders their physical, mental, and financial health a priority.
•A
bility to sync with fitness apps and devices for progress, biometrics, and personal challenges
•H
ealthy LifestylesSM Solutions offers your employees •G
lobalFit® offers membership discounts at thousands of
Achieve Well-being rewards a reimbursement of up to $450 for the cost of fitness gyms in the GlobalFit network, in addition to home exercise
memberships, weight management, and tobacco equipment. Members can also connect with virtual or
As an incentive for healthy behaviors, subscribers can earn $300 by completing required wellness and preventive cessation programs. in-person studios, local gyms, and schedule personal trainers
care activities throughout the year. at a discounted rate with the GlobalFit Anywhere app.
lue InsiderSM gives exclusive deals and discounts
•B
Subscribers must complete all of the following activities: Subscribers must complete any three of the on amusement parks, hotels, shopping, movie tickets, lue365® gives members access to exclusive deals and
•B
following activities: sporting events, Broadway shows, museums, discounts on fitness gear, gym memberships, weight-loss/
Visit PCP for an annual check-up
and other attractions. healthy eating programs, and travel experiences.
Get a flu shot Receive an appropriate health screening1
Get digitally engaged by logging in at ibx.com Download and register for the GlobalFit Anywhere app
and opting in to IBX Wire Complete the Well-being Profile
Complete a nutrition counseling visit
NEW THIS YEAR: REWARD INCENTIVE
INCREASED FROM $150 TO $300! Visit a United Concordia dentist for an exam
and/or cleaning2
Additional member perks
Members are eligible for special savings, including free skating admission at the Blue Cross River Rink and
Achieve Well-being@Work
20 percent off Indego bike share guest passes and annual passes.
Your employees are your greatest asset, so you want to create a healthy work environment. Encouraging
healthier habits and activities can boost your business by reducing health care costs3 and increasing
productivity, performance, and morale.
We have resources to help get your employees engaged so they can take charge of their well-being, even if you’re working
with a small budget. Tools available to you at no cost include:
• Seminars, videos, and ready-made well-being challenges
• Toolkits, communications templates, and operational wellness plans
• Self-assessments
Visit wellbeing.ibx.com for no-cost Achieve Well-being@Work resources.
1 A list of preventive services that are part of the Achieve Well-being program can be 2 Members must be enrolled in a United Concordia Dental Plan to complete this activity.
accessed by logging in at ibx.com. 3 Source: wellsteps.com/blog/2020/01/02/workplace-wellness-statistics-wellness-stats
9 2023 Small Group Plans | Independence Blue Cross 10
Helping your employees manage their financial well-being The College Tuition Benefit®
The College Tuition Benefit is a free, value-added
Protecting your health is more than just taking care of your physical well-being — it includes protecting your wealth for
benefit offered exclusively by Independence.
added peace of mind. With a variety of spending account options and exclusive college tuition and student loan repayment
programs available at no additional cost, you can help your employees feel secure in their financial future while providing •A
ll of your employees, regardless of health plan coverage,
an additional incentive when attracting and retaining top talent. You may even benefit from a reduction in payroll taxes. can earn Tuition Rewards® Points to help offset the cost of a
four-year undergraduate education for a family member1 at a
SAGE Scholars school.
Spending accounts can help save on health care costs
•O
ne Tuition Rewards Point is equal to a $1 guaranteed
With tax advantages for both you and your employees, spending accounts make a smart addition to your health plan
minimum discount off full tuition.
offerings. They are easy to manage with online tools at ibx.com and offer convenient funding methods and
on-demand reporting. You have the flexibility to choose a BlueSaver® health savings account (HSA) with one of •E
mployees can accumulate an unlimited number of
our HSA-qualified plans, or you can add a health reimbursement account (HRA) to our HRA-eligible health plan. Tuition Rewards Points.
•T
he longer your employee stays with your company, the more
Tuition Rewards Points they can accrue.2
HSA HRA
•E
mployees also have access to Ready Set College, a comprehensive college
Allows employers to choose lower-premium plans Helps employees offset health care expenses, and career planning website, designed to provide students and parents with
Benefits to employers
with higher deductibles and gives employees a way but the employer owns the account, contributes best practices and proven strategies to achieve successful college outcomes.
to save for qualified medical expenses1 and future tax-advantaged funds only when claims are paid,
health care expenses and can define eligible categories 1 Subject to certain restrictions.
2 A non-Independence subscriber’s initial and continued eligibility will be verified by the employer-provided census sent to The College Tuition Benefit annually.
Compatible with HSA-qualified high-deductible health plans Any plan except HSA plans Failure to send the annual census may impact the non-subscriber’s ability to earn initial and ongoing Tuition Rewards Points.
Who owns the account Employee Employer
Who funds the account1 Employer and/or employee Employer
Who establishes contribution rules IRS Employer and Independence
Qualified medical expenses as determined Supporting your employees’ professional development
Helps pay for 2 Qualified medical expenses1
by employer
Higher education can be expensive. If your employees are interested in continuing their education and saving money,
Funds carry over Yes Employer option they can take advantage of SAGE Prime to reduce tuition for a professional certification, graduate studies, or degree
completion by 10 percent.
Portable Yes No
WealthCare Saver (WCS) investment solution GradFin
now available
GradFin provides student loan debt reduction solutions and helps borrowers repay their student loans
Subscribers enrolled in an Independence HDHP with an HSA may now take advantage faster. Employees get free, personalized solutions to accelerate their student loan debt payoff process,
of the new WCS investment solution. This new solution offers a personalized investment which can potentially save them thousands of dollars.
experience that allows account holders to tailor their investment journey to their unique
•S
tudent Loan Financial Education. Employees can take by enrolling loans, verifying employment, annually
needs and experience level, all through their ibx.com account or the IBX mobile app.
advantage of personal consultations, live webinars, and certifying income-based repayment plans, and auditing
“town hall” meetings. “qualified payments.” Employees and/or their
family members can participate in this program if
•S
tudent Loan Refinancing. GradFin refinances and employed at a 501(c)3 nonprofit.
consolidates employees’ student loan(s) through a
lending platform made up of 11 lenders. •E
mployer Match. This program allows you to contribute
towards an employee’s student loans without a tax
•P
ublic Service Loan Forgiveness (PSLF) Program. impact through the CARES Act. We have partnered
Independence Blue Cross does not provide legal or tax advice. Consult your legal and/or tax advisor for rules regarding the tax advantages of spending accounts.
The PSLF keeps employees or their family members with GradFin to provide employers with access to the
1 Refer to IRS Publication 502 for a complete list of qualified medical and dental expenses. If HSA funds are used for non-qualified medical expenses, they are subject to the current
tax rate and may be subject to a 20 percent penalty.
compliant with federal loan forgiveness programs Employer Match program at a discounted price.
11 2023 Small Group Plans | Independence Blue Cross 12
AblePay
We understand that health care can be confusing to
members, and sometimes costly. That is why we offer
members access to AblePay, a value-added solution
that supports your employees’ financial well-being,
and is available at no cost to you or your employees.
AblePay allows your employees to:
•S
ave on out-of-pocket medical costs. Your employees can save Guide and empower your employees to take an active role in improving their health and well-being,
up to 13 percent on out-of-pocket medical costs including to be happier, healthier, and more productive.
deductibles, copays, and coinsurance.
Employee engagement is about anticipating and avoiding poor health before it happens, while also connecting
•C
hoose flexible payment plan options. Payment plan options range
them to the right tools and resources. We take a hands-on approach by working with you to create and implement
from 1 to 12 payments. All payment plans are interest-free, which
can be helpful for larger medical bills. effective engagement strategies that help your employees feel empowered to make healthier decisions.
•P
ay all medical bills in one place. AblePay is a simple, convenient way to
pay medical bills.
• Get help understanding medical bills. AblePay billing advocates can answer
questions and contact a provider’s billing department to ensure
a bill is correct, if needed.
Implement programs and solutions
Use our data and yours to that best support employees’
identify the best opportunities. individual health needs.
Guide employees with the right
Measure defined outcomes, behavior messages and navigational support.
changes, and employee feedback.
1 Savings are determined by the payment method and terms the member selects for each bill. The AblePay ID card should be presented to all medical providers. Providers currently accepting
AblePay can be found at ablepayhealth.com.
2 ACH payments are electronic payments that go through the Automated Clearing House (ACH) Network.
13 2023 Small Group Plans | Independence Blue Cross 14
Reaching your employees We’re committed to superior service
where they are We bring you high-quality, cost-effective health plans, along with tools for
Using digital and social channels, we tailor engagement to the needs of effective account management and service excellence.
your employees with targeted, personalized messaging and a variety of
easy-to-use tools and programs to help them get and stay engaged. Best-in-class account management
66
Superior service starts with our approach to managing your account.
% OF OUR SUBSCRIBERS You’ll get a local team of dedicated, highly motivated,
and experienced Independence professionals who:
ARE DIGITALLY ENGAGED • Focus on understanding your unique challenges
57 ARE CONNECTED TO IBX
• Work with you to provide the best solutions
% OF MEMBERS AGES 18 AND OLDER • Strive for excellence in service
• Remain proactive, consultative, and responsive
69 MEMBER OPTED IN FOR DIGITAL MESSAGING
Service excellence
% OF HOUSEHOLDS HAVE AT LEAST ONE Our customer service center provides outstanding support to members. Our services include:
• Agents who receive extensive training on member needs
• State-of-the-art technology for quick, efficient service
IBX Wire • Live, in-person support at Independence LIVE
Two-thirds of our subscribers are digitally engaged through IBX Wire or email. Our award-winning member engagement
strategy delivers targeted clinical topics and general health and benefits information. By engaging early and often, Visit ibx.com/events for Independence LIVE hours.
we are driving better health outcomes — thus helping to foster a healthier, more productive workforce.
Social channels
Easy-to-manage health benefits
Members can also connect with us through our Facebook, Twitter, and Instagram pages, with new content posted daily.
We also regularly post health-related articles on our blog, IBX Insights. Through ibx.com, you can administer your health benefits efficiently and securely. Sign in to access enrollment, billing,
reporting, marketing tools, and our latest news.
eNewsletters
• Pay with eBill — This secure and convenient service • Marketing toolkits and resources — Access
Our quarterly Get Good Living eNewsletter includes short and entertaining articles on a range of general and seasonal
topics and recipes. allows you to pay and view invoices. You can choose to self-service materials and information to help
make a one-time payment right up until your premium you promote Independence capabilities and
Digital tools due date. Or you can set up a recurring monthly services to your employees.
Your employees can access their benefits and tools anytime, from anywhere, when they log in at ibx.com or use the IBX mobile payment from one or multiple bank accounts.
app. All the information they need about their medical and prescription drug benefits is available right at their fingertips.
• Manage account — Add or remove an employee
and change employee or dependent information.
Care Cost Estimator ENHANCED GO DIGITAL!
Our Care Cost Estimator tool helps members save money and avoid unplanned expenses, just as they’d want to do for Looking for a digital option for open enrollment? We’ve developed online
any important purchase. It’s easy to compare providers side-by-side and estimate out-of-pocket costs — all based on versions of open enrollment kits to make it even easier for you to share
a member’s specific health plan. The newly enhanced tool makes it easier to use and locate more detailed provider materials with your employees.
information, including languages spoken and reviews, to help members make informed choices.
Visit ibx.com/virtualoe.
15 2023 Small Group Plans | Independence Blue Cross 16
Diversity, equity, and inclusion
Independence is committed to diversity, equity, and inclusion (DEI). Inside and outside of the company, we work
towards achieving DEI for our associates, members, customers, and community. As part of this commitment, we
believe that everyone deserves access to health care that is fair and equitable and meets their overall health needs.
Accelerating the pace of progress
Independence is proud to be a leading organization in Accelerate Health Equity, a multi-year initiative that brings
We are committed to finding new ways to make a meaningful and measurable impact on the together organizations across the Philadelphia region to combat systemic racism and barriers in health care.
It’s designed to produce tangible improvement in these issues and, ultimately, positive change in health outcomes
health care quality delivered to ALL members.
in Philadelphia.
For more than 80 years, Independence has built a trusted partnership with doctors and hospitals to provide a local Participating organizations are working together to design measurable pilot programs to combat disparities ranging
depth and national reach that’s unique to the Blues. We bring our power of experience, expertise, and talent to help from issues like maternal morbidity and mortality, to cancer screening and prevention, to reducing the risk of heart
tackle health care’s most pressing problems. Our unique collaborative model uncovers new ideas, new ways of delivering disease and more.
care, and improves the patient experience to bring these ideas together to create change.
At the same time, because we’re local, we can vet solutions to determine what works and what doesn’t in our local
markets. We accomplish this through: We work with regional health systems and community partners to ensure
no one is overlooked, dismissed, or underserved based on their skin color,
Innovating through care delivery
Using unparalleled data and insights economic status, age, gender, sexual orientation, or zip code.
Collaborating to pilot Investing in strategic
groundbreaking solutions partnerships and technologies Blue Pledge for meaningful change
The Blue Cross Blue Shield Association (BCBS), along with
36 independent BCBS companies like Independence, have
made the “Blue Pledge” to build a stronger future together.
We have pledged to be the change we wish to see and work together,
pursuing equality, justice, and good health for all.
Here at home, efforts by Independence to support diverse communities are varied and comprehensive.
This work includes:
• Promoting greater access to health care services • Building partnerships and supporting organizations
• Matching members with providers based on that assist those dealing with economic hardships
information regarding ethnicities, languages spoken, • Choosing minority-owned businesses to provide us
and specialties with goods and services
• Addressing social determinants of health
We’re innovating purposefully
The Daniel J. Hilferty Center for Innovation is a high-tech venue that leverages design-thinking principles to
unleash innovative solutions. We’ve worked with members, customers, hospitals, doctors, and business partners
to help resolve health care and business challenges. Learn about the behaviors and tools that we use to stimulate
the innovation process by checking out our digital Innovation Tool Kit at innovation.ibx.com/tool-kit/.
17 2023 Small Group Plans | Independence Blue Cross 18Health plans to fit your needs and budget
Choose up to four health plans1 to fit your budget and ensure your employees and their families
are covered, even if they live outside of our five-county service area.2
Personal Personal Keystone Keystone
Lowering costs and delivering a positive member experience Choice ® PPO Choice EPO Direct POS HMO
Access to more than 6,0 0
Our value-added products, services, and personalized member tools help X X X X
in-network doctors
members make more informed health care decisions, easily access and
understand their benefits, and save on a variety of out-of-pocket expenses. Out-of-network benefits X X
Select a PCP X X
For you For members o
N specialist referrals needed for the
X X X 3
highest level of benefits
• Health plans at every price point • Health care coverage
in- and out-of-network In-network benefits nationwide through
• Flexibility to add industry-leading BlueCard
®
PPO
X X
specialty insurance products to your • Affordable cost-sharing
medical plans Away from Home Care for members
• More choices and control X X
temporarily living outside the coverage area
• Employee satisfaction and retention
Emergency and urgent care
X X X X
access worldwide
Give your employees complete coverage and protection 1 If a group selects four plans, one must be an HMO/DPOS.
2 Employees must reside in either the Pennsylvania 5-county area or a contiguous county to be eligible to enroll in a Keystone HMO Proactive plan.
3 Members with a Direct POS plan need a referral from their PCP for certain services: Routine X-rays, spinal manipulations, physical/occupational therapy, and acupuncture.
Add these benefits to your Blue Solutions health plan for the most For lab work, members should use the designated site selected by their PCP for the lowest out-of-pocket costs.
complete package:
• United Concordia standalone family or adult dental plan (pages 30‒32)
• Supplemental insurance products from Guardian (page 33)
• Blue Cross Global international health insurance (page 33)
Benefits that support employees’ overall health
In addition to our 2023 enhancements, don’t forget that we also offer
these valuable benefits to members as part of our full portfolio:
• A free hearing exam and discounted hearing aids, as well
as LASIK vision correction services, through Davis Vision™
(see page 27)
Updated benefit for ER visits
•C
overage for acupuncture services
In all copay plans, emergency room cost-sharing will be waived for members if they are admitted to the hospital.
19 2023 Small Group Plans | Independence Blue Cross 20Site of service gives members choice Virtual care benefits help
Site of service benefits1 give members choices when accessing certain members save time and money
services. Members save money on out-of-pocket costs based on where
health care is received for the following services: With virtual care benefits like telemedicine, telebehavioral health,
•V
irtual care visits with network primary care doctors teledermatology, and telenutrition, members can talk to a
and specialists2 board-certified and licensed medical professional by video chat
or phone. It’s a quick, convenient, and cost-effective option for
•O
utpatient labs non-emergency, urgent care. Members who take advantage of
•O
utpatient surgery3 virtual care benefits experience lower medical costs, decreased
• Preventive colonoscopy4 absenteeism,1 and reduced ER and urgent care center visits for
non-emergencies. Many virtual care services are available at either
• Physical/occupational therapy $0 or a reduced cost-share.
•R
outine/complex radiology
• Biotech/specialty injectables and infusion Telemedicine
Here’s how members can access telemedicine services:
1 Site of service benefits vary by plan design.
2 T he site of service virtual care benefit is for in-network primary care and specialist visits and applies to most health plans. •M
DLIVE® – 24/7/365 access to board-certified physicians, including pediatricians, for non-urgent care
3 Common outpatient surgical procedures performed at ambulatory surgical centers (ASCs) include tonsil removal, hernia repairs, and cataract surgeries.
4 Members pay $750 out of pocket by choosing non-Preventive Plus providers and professionals. Age and frequency guidelines apply to preventive care, such as colonoscopies. via phone, video, or the app for $0.2
The Preventive Plus benefit does not apply to members who reside or travel outside our service area and access care through the BlueCard® Program or the Away From Home
Care ® Guest Membership Program. For these members, a preventive colonoscopy to screen for colorectal cancer will be covered at no cost when they use an in-network provider. •P
CP or specialist – If available from their provider, members can get virtual care services through their
If they choose to visit an out-of-network provider, cost-sharing for their plan’s out-of-network benefit applies, and their out-of-pocket costs may be significantly higher. Diagnostic
colonoscopies are subject to the cost-sharing provision of the member’s outpatient surgery benefit. PCP or specialist and pay a reduced cost-share.
Telebehavioral health
Members have access to MDLIVE as well as a comprehensive behavioral health provider network of
therapists, psychologists, and psychiatrists who can help with anxiety, depression, bipolar and panic
disorders, and more for $0.2
Teledermatology
Through MDLIVE, members can get a diagnosis, treatment, and prescription (as needed) from a board-certified
dermatologist for more than 3,000 skin, hair, and nail conditions and pay $0.2
Telenutrition visits
embers also have access to telenutrition visits. They can use their nutrition counseling benefit for up to six
M
one-on-one virtual visits at no additional cost with either a network nutritionist or via CHARGE, available
through the GlobalFit 360 network.
FINDING THE RIGHT PROVIDER
We’ve made several updates to our easy-to-use and comprehensive
Find a Doctor tool on ibx.com to help members find doctors and behavioral
health providers who offer virtual care.
1 Forbes.com, “It’s Time to Go All in On Telehealth,” Nov. 2020.
2 Cost-share is $0 after deductible for HSA-qualified and HRA plans.
21 2023 Small Group Plans | Independence Blue Cross 22Keystone HMO Proactive hospital tier placements
KeystoneHMO HMOProactive
Proactivehospital
hospital tier placements
Keystone HMO Proactive tiered network plans Keystone
Keystone HMO
Tier 1 – Preferred $
Proactive hospitaltier placements
tier placements
Tier 1 – Preferred$$
Tier
Tier 11––Preferred
Keystone HMO Proactive hospital tier placements
Preferred $
Access and savings Pennsylvania
Pennsylvania
New Jersey
Pennsylvania New New Jersey
Jersey
Pennsylvania New Jersey
Our Keystone HMO Proactive health plans are a popular choice for small employers because they give members access Bucks
Tier 1 – Preferred $ Montgomery Burlington
Bucks
Bucks Montgomery
Montgomery Burlington
Burlington
to the full Keystone HMO network at a lower premium. Doylestown Hospital
Bucks Einstein Medical Center Montgomery
Montgomery Virtua Willingboro Hospital
Burlington
Doylestown
Grand Hospital
Pennsylvania
Doylestown
ViewHospital
Hospital Einstein Medical Center Montgomery
Einstein Medical
(part CenterHealth)
ofMedical
Jefferson Montgomery New
VirtuaVirtua Willingboro
Jersey
Willingboro Hospital
Hospital
These health plans offer the same essential health benefits as our other health plans, including doctor visits, Doylestown Hospital
GrandView
Grand View Hospital
Hospital
Einstein
(part
(part of of
Center Montgomery
Jefferson
Jefferson Health)
Health)
Camden
Virtua Willingboro Hospital
Jefferson
Grand Bucks
View Hospital
Hospital Holy Redeemer
(part Hospital
of Jefferson and Medical Center
Health) CamdenCamden
Cooper Hospital University Medical Center
hospital stays, prescription drug coverage, blood tests, and X-rays. The difference is the tiered provider network ― Bucks
Jefferson
Jefferson Bucks
Bucks
Prime Healthcare Hospital
Hospital
— Lower Bucks Hospital
Montgomery
Holy
Holy Redeemer
Redeemer
Jefferson Hospital
Hospital
Abington and Medical
and Medical
Hospital Center
Center Burlington
Camden
CooperCooper
Hospital University
Hospital MedicalMedical
University Center Center
Jefferson Bucks
Doylestown Hospital
Hospital Holy Redeemer
Einstein Medical Hospital
Center and Medical Center
Montgomery Virtua Willingboro
providers are grouped into three tiers based on cost and quality measures. Prime
Prime
Rothman
Healthcare
Healthcare — —Lower
Orthopaedic Lower Bucks
Bucks
Specialty
Hospital
Hospital
Hospital
Jefferson Abington
Jefferson
Jefferson
Hospital
Abington
Lansdale Hospital
Hospital Mercer
Cooper HospitalHospital
University Medical Center
Prime
Rothman
Rothman
Healthcare
Grand View
Orthopaedic— Specialty
Orthopaedic
Lower
Hospital Bucks Hospital
Hospital
Specialty Hospital
Jefferson
Jefferson Abington
(part Lansdale
of Jefferson
Jefferson Lansdale
Hospital
Health)
Hospital
Hospital
MercerMercer
St. Luke’s Health Network — Quakertown Campus Suburban Community Hospital Robert Wood Johnson University Hospital
Camden
Mercer
Rothman Orthopaedic Specialty Hospital Jefferson Lansdale Hospital RobertRobert
Wood Wood
Johnson University
Johnson HospitalHospital
University
St.Jefferson
St. Luke’s Bucks
Luke’sHealth
Health Hospital
Network
Network ——Quakertown
Quakertown Campus
Campus Holy
Suburban Redeemer
Suburban Hospital
Community and Medical Center
Hospital
Community Hospital at Hospital
Cooper Hamilton
Tower Health — Pottstown Memorial WoodUniversity Medical Center
How Keystone HMO Proactive health plans work Chester
St.Prime
Luke’sHealthcare
Chester
Chester
Health Network
— Lower— Quakertown Campus
Bucks Hospital Suburban
Jefferson
Tower
TowerHealth
Medical
Community
Abington
—
Health —
Center
Hospital
Hospital
Pottstown Memorial
Pottstown Memorial
Robert
at Hamilton
at Hamilton
Salem
at Hamilton
Mercer
Johnson University Hospital
Penn Medicine
Rothman — Chester
Orthopaedic CountyHospital
Specialty Hospital Tower Health
Jefferson — Pottstown Memorial
Lansdale
Chester
Penn Medicine — Chester County Hospital
Medical
Medical Center Hospital
Center Salem
Salem
Members choose a PCP to coordinate their care and refer them to specialists. They pay the lowest out-of-pocket Penn Medicine
St. Luke’s
Tower Health
Penn Medicine
—Phoenixville
Health
— Chester
NetworkCounty Hospital
— Quakertown
Hospital Campus MedicalCommunity
Suburban
Philadelphia Center Hospital Robert
Salem
Memorial
Wood Johnson
Memorial HospitalUniversity
of Salem Hospital
Hospital of Salem County
County
Tower Health —— Chester County
Phoenixville Hospital
Hospital Philadelphia atMemorial
Hamilton Hospital of Salem County
costs by using doctors and hospitals in Tier 1 – Preferred. Some in-network services cost the same across all tiers — Tower Health — Phoenixville Hospital Philadelphia
Tower Health
Einstein — Pottstown
Medical Center Memorial Warren
Memorial Hospital of Salem County
Chester
Delaware
Tower Health — Phoenixville Hospital Philadelphia
Einstein Medical Center Warren
Delaware Einstein
Medical Medical
Center Center Warren
like preventive care, urgent care, and emergency room visits.1 Delaware
Penn MedicineMedical
Crozer-Chester — Chester County Hospital
Center (part
(part ofMedical
Jefferson
of Jefferson
Einstein Health)
Health)
Center
Salem
Hackettstown Community Hospital
Warren
Hackettstown Community Hospital
Delaware
Crozer-Chester
Crozer-Chester
Medical Center
Medical Center (part of Frankford
Jefferson Jefferson Health)
Hospital Hackettstown
Memorial HospitalCommunity Hospital
of Salem County
Tower Health
Delaware County— Phoenixville
Memorial Hospital
Hospital Philadelphia
Jefferson
(partFrankford Hospital
of Jefferson Health) Hackettstown Community Hospital
These services have the same cost-sharing across all tiers: Delaware
Delaware
CountyMedical
Crozer-Chester Memorial Hospital
Center
County Memorial Hospital Jefferson Torresdale
Jefferson Frankford Hospital
Hospital
Taylor Hospital
Delaware
Taylor Hospital
Einstein
Jefferson
Jefferson Medical
Torresdale Center
Hospital
Frankford Hospital Warren
Delaware County Memorial Hospital Jefferson Torresdale Hospital
Taylor Hospital Medical Center Prime
Prime(part Healthcare
of Jefferson
Healthcare — —
Health) Hackettstown Community Hospital
• Preventive care • Pediatric dental and vision Crozer-Chester
Taylor
Lehigh
Lehigh Hospital Jefferson
Prime
Torresdale
Healthcare
Roxborough
Jefferson —
Hospital
Memorial
Frankford Hospital
Hospital
Delaware County Memorial Hospital Roxborough
Prime Memorial
Healthcare — Hospital
Lehigh
St. Luke’s
St. Luke’sHospital
Hospital––Allentown
Allentown Campus
Campus Roxborough Memorial Hospital
• Emergency room1 • Mental health services Lehigh
St.Taylor
Luke’sHospital
Hospital–––Bethlehem
AllentownCampus
Campus
Jefferson
Temple
Temple Torresdale
University
University Hospital
Hospital
Hospital — — Jeanes
Jeanes
Roxborough Memorial Hospital Campus
Campus
St.
St. Luke’s
Luke’s Hospital
Hospital Bethlehem Campus Temple
Prime
Tower
Tower University
Healthcare
Health
Health — —Hospital
Chestnut
— Chestnut — Hospital
Hill Jeanes Campus
Hill Hospital
St. Luke’s Hospital – Allentown Campus Temple University Hospital — Jeanes Campus
• Urgent care • Physical and occupational therapy St. Luke’s
Lehigh Hospital – Bethlehem Campus
St. Luke’s Hospital – Bethlehem Campus
Tower
Wills Health
Roxborough
EyeEye
Wills Hospital— Chestnut
Memorial
Hospital Hill Hospital
Hospital
St. Luke’s Hospital – Allentown Campus Tower Health — Chestnut Hill Hospital
Wills Eye
Temple Hospital
University Hospital — Jeanes Campus
• Outpatient labs • Routine radiology St. Luke’s Hospital – Bethlehem Campus Wills Eye Hospital
Tier
Tier 22––Enhanced
Enhanced$$
$$ Tower Health — Chestnut Hill Hospital
• Prescription drugs • Spinal manipulations Tier 2 – Enhanced $$ Wills Eye Hospital
Tier 2 – Enhanced $$
Pennsylvania New Jersey Delaware
Pennsylvania New Jersey Delaware
For some services, like surgery, the member pays out-of-pocket costs for both the facility where the procedure is Pennsylvania
Tier 2 – Enhanced $$ New Jersey Delaware
Pennsylvania
Philadelphia New Jersey
Camden NewDelaware
Castle
performed and the doctor who performs the surgery. To maximize their benefits, members should check the tier of Philadelphia Camden New Castle
Pennsylvania
Philadelphia
Children’s
Children’s
Hospital of Philadelphia
Hospital of Philadelphia New
Camden
Virtua Jersey
Our
Virtua
Lady of Lourdes Hospital
Our Lady of Lourdes Hospital Delaware
New
A.I. DuPont
A.I. Castle
Hospital for Children
DuPont
both the facility and the provider they want to use. Philadelphia
Shriner’s
Children’s Hospital
HospitalforofChildren
Philadelphia
Camden
Virtua Our Lady of Lourdes Hospital
New
A.I.
CastleHospital
DuPont
for Children
Hospital for Children
Shriner’s Hospital for Children Gloucester
Children’s
Philadelphia
Temple
Shriner’s
Hospital
Health — Fox
Hospital
of Philadelphia
forChase Cancer Center
Children Gloucester
Virtua
Camden Our Lady of Lourdes Hospital A.I.
New CastleDuPont Hospital for Children
Temple Health — Fox Chase Cancer Center Inspira Medical Center — Woodbury
Gloucester
Shriner’s
Tower Hospital
Children’s
Health Hospital
— St. forofChildren
Philadelphia
Christopher’s HospitalCenter
for Children Inspira
Virtua Medical
Our Lady Center
of —
Lourdes Woodbury
Hospital A.I. DuPont Hospital for Children
Temple
Tower Health
Health ——— Fox
St.Fox Chase Cancer
Christopher’s Hospital for Children Gloucester
Inspira Medical Center — Woodbury
Temple Health
Shriner’s Hospital forChase Cancer
Children Center
Tower Health — St. Christopher’s Hospital for Children Gloucester
Inspira Medical Center — Woodbury
Tower
Tier 3Health
Temple — St.
Health
– Standard —Christopher’s
Fox
$$$ Hospital
Chase Cancer for Children
Center
Inspira Medical Center — Woodbury
Tier 3 –Health
Tower Standard $$$
— St. Christopher’s Hospital for Children
Enhanced ER benefit in all Proactive plans Tier 3 – Standard $$$
Pennsylvania
Tier 3 – Standard $$$ New Jersey Delaware
he copay for an ER visit will be waived if a member
T Pennsylvania
Tier 3 – Standard $$$ New Jersey Delaware
Pennsylvania
Berks St. Luke’s Hospital — New Jersey
Burlington New Delaware
Castle
is admitted to the hospital in all Proactive plans. Pennsylvania
Berks Sacred HeartHospital
St. Luke’s Campus — New Jersey
Burlington
Delaware
NewCare
Castle
St.Pennsylvania
Joseph Medical Center Virtua
New Marlton
Jersey Hospital Delaware
Christiana Health System —
Berks St. Luke’s
Sacred Hospital
Heart —
Campus Burlington New Hospital
Castle
St.
Tower
Berks Joseph
HealthMedical
— Center
Reading Hospital St.
MontgomeryLuke’s Hospital — Virtua
Virtua
BurlingtonMarlton
Memorial Hospital
Hospital Christiana
Christiana
New CastleCare Health System —
St. Joseph Medical CenterHospital Sacred Heart Campus Virtua Memorial
Marlton Hospital Christiana Care Health System —
and
Tower Medical
Berks Health Center
— Reading St. Luke’s
Sacred Hospital
Heart —
Campus Burlington
Virtua Hospital New Castle
Christiana
Christiana Care Hospital
Health System —
St. Joseph Medical Center Montgomery
MainSacred
Line Health
Heart — CamdenVirtua Marlton Hospital Christiana Care Health System —
Tower
and
Bucks HealthMedical
St. Medical
Joseph — Reading
Center Hospital
Center Montgomery Campus Virtua
Virtua Memorial
Marlton Hospital
Hospital Christiana
Christiana Care Hospital
Health System —
Bryn Camden Christiana
Wilmington Care
Hospital Health System —
Tower Health —
and Medical Reading Hospital
Center MainMawr Hospital—
Line Health
Montgomery Virtua
Jefferson Memorial
Cherry Hospital
Hill Hospital Christiana Hospital
Christiana Care Health System —
Bucks
Tower
Trinity
and Health
Health
Medical —
St.Reading
Mary Hospital
—Center Montgomery
Main Line Health Virtua
Camden Memorial Hospital Christiana
St. Francis Hospital
Hospital
Wilmington Hospital
Main Line
Bryn Health
Mawr ——
Hospital Jefferson Stratford
Jefferson Hospital
Cherry Hill Hospital Christiana Care Health System —
Bucks andHealth
Medical
Trinity Medical
Center— Center
St. Mary Main
BrynLine
Lankenau MawrHealth —
Hospital
Medical Center Camden
Jefferson Cherry Hill Hospital Wilmington
Christiana Care Hospital
Health System —
Bucks Main Camden
Jefferson Washington Township St. Francis Hospital
Trinity
Bucks
Chester
MedicalHealth — St. Mary
Center BrynLine
Main MawrHealth
Health —
—
Hospital Jefferson
Jefferson Stratford
Cherry HillHospital
Hospital Maryland Wilmington Hospital
St. Francis
Wilmington Hospital
Hospital
Main
BrynLine
Lankenau
Philadelphia MawrHealth —
Medical
HospitalCenter Hospital
Jefferson
Jefferson
Jefferson Stratford
Cherry Hill Hospital
Hospital
Trinity
Medical
Main Health
Line — St.
Center
Health——
Mary Hospital
St.Paoli Main Line Health — Jefferson Washington Township
Stratford Hospital St. Francis Hospital
Cecil Maryland
Trinity
Chester Health Mary Lankenau
Main Medical
Line Health — Center Jefferson
Jefferson
Virtua Voorhees
Hospital Washington
Stratford Township
Hospital
Hospital St. Francis Hospital
Medical Center Philadelphia
Lankenau
Jefferson Medical
Methodist Center
Hospital
Medical
Chester
Delaware Center
Main Line Health — Paoli Hospital Lankenau Medical Center Jefferson
Hospital Washington Township Maryland
Chester Philadelphia Jefferson
Virtua Washington
Voorhees Township
Hospital UnionMaryland
Hospital
Main
Main Line
LineHealth
Chester Health—— Riddle Hospital Penn
PaoliHospital Medicine
Jefferson
Philadelphia
— Hospital
Methodist of the
Hospital Hospital
Hunterdon
Hospital
Cecil
Maryland
Delaware
Main Line Health ——Paoli Hospital Philadelphia
University
Jefferson of Pennsylvania
Methodist Hospital Virtua Voorhees Hospital Cecil
Main
Trinity
Delaware Line
Health Health
— Paoli
Main Line Health — Riddle Hospital
Hospital Penn Medicine — Hospital of the Hunterdon
Virtua Medical
Voorhees Center
Hospital Union
Cecil Hospital
Mercy Fitzgerald Hospital Jefferson
Penn Medicine
Jefferson Methodist Hospital
— — Hospital
Methodist Hospital Hunterdon
Virtua Voorhees Hospital Cecil Union Hospital
Delaware
Main Line
Delaware Health — Riddle Hospital Penn Medicine
University of Pennsylvania of the Hunterdon
Trinity
Main Health
Line — — Riddle Hospital
Health Penn
Penn Presbyterian
Medicine —Medical of the Mercer
HospitalCenter Hunterdon Medical Center Union
Union Hospital
Hospital
Lancaster
Main
Trinity Line
HealthHealth — Riddle Hospital
— Hospital University
Penn
Penn Medicine
Medicineof —
Pennsylvania
—Hospital of the Hunterdon
Hunterdon
Mercy Fitzgerald Penn University
Medicine
University of
—
of Pennsylvania
Pennsylvania Hunterdon
Capital Health Medical
System — Center
Fuld Campus
Ephrata
Trinity
Trinity
Mercy Community
Health
Health
Fitzgerald Hospital
—— Hospital Penn
PennMedicine — Medical Center
Presbyterian Mercer
Hunterdon
Hunterdon Medical
Medical Center
Center
Lancaster Pennsylvania
Penn MedicineHospital
— Medical Center Capital Health System —
Mercy
Penn MercyFitzgerald
— Hospital
Fitzgerald
Medicine Hospital Penn
Penn
Penn
Medicine
Medicine
—
Presbyterian
— Mercer
Capital Health System — Fuld Campus
Lancaster
Ephrata
LancasterCommunity Hospital
General Hospital Temple
Penn
PennUniversity Hospital
Presbyterian
Presbyterian — Center
Medical
Medical Mercer
Hopewell
Center Mercer Campus
Lancaster
Lancaster
Ephrata Community Hospital Penn Medicine
Pennsylvania
Episcopal Campus —Hospital Capital Health
Capital Health System
System — — Fuld Campus
Penn Medicine — Hospital Penn
Penn Medicine
Medicine —
Pennsylvania —Hospital Capital
Capital
Salem Health
Health System
System —— Fuld
Fuld Campus
Campus
Lehigh
Ephrata
Ephrata Community
Community
Penn Medicine —
Hospital Temple University Hospital
Temple University Hospital — Capital Health
Hopewell System
Campus —
Lancaster General Hospital Pennsylvania Hospital
Pennsylvania Hospital Capital
Capital
Inspira Health
Health
Medical System
System
Center———Elmer
Penn
Penn
Lehigh Medicine
Medicine
Valley
Lancaster —— Hospital
Hospital
General — 17th Street Temple University Hospital —
Episcopal Campus Hopewell Campus
Thomas
Temple
Temple Jefferson University
University
University HospitalHospital
Hospital— — Salem
Hopewell
HopewellCampus
Campus
Lehigh
Lancaster
Lancaster
Lehigh GeneralHospital
ValleyGeneral
Hospital Hospital
— Cedar Crest Episcopal
Temple Campus
University Hospital
Lehigh Episcopal
Episcopal
Trinity Health Campus
Campus
— Nazareth Hospital Warren
Salem
Inspira Medical Center — Elmer
Lehigh
Lehigh
Lehigh
Lehigh Valley Hospital
Valley Hospital —— 17th Street Temple
Thomas University Hospital
Jefferson Hospital
University Salem
Salem
Lehigh Valley Hospital
Hospital —
—Cedar
17th Street Temple University
Temple University Hospital Hospital St. Inspira
Luke’s Hospital
Inspira Medical
Medical
—Center — Elmer
Center ——Elmer
Lehigh Valley
Muhlenberg
Lehigh
Lehigh ValleyHospital
Valley Hospital——17th Crest
17thStreet
Street Thomas Jefferson University Hospital Warren
Inspira
Warren Medical
Campus Center Elmer
Lehigh Valley Hospital — Cedar Crest ThomasHealth
Trinity
Thomas Jefferson
Jefferson University
— Nazareth Hospital
UniversityHospital
Hospital
1 If a member is admitted to an in-network hospital from the emergency room, the cost-sharing for inpatient hospital care, including medical care provided by a participating Lehigh
LehighValley
ValleyHospital
Hospital—— Cedar Crest Trinity Health — Nazareth Hospital Warren
St.
WarrenLuke’s Hospital —
professional provider, will apply based on the tier level of the in-network hospital or participating professional provider. If a member is admitted to an out-of-network hospital Lehigh Valley Hospital — Cedar Crest Trinity Health — Nazareth Hospital Warren
Lehigh
Updates Valley
are made
Muhlenberg
Lehigh Hospital
Valley — to our networkTrinity
periodically
Hospital and provider tiering.
Health — To getHospital
Nazareth the latest information,
St. visit
Luke’s
Warren ibx.com/providerfinder.
Hospital
Campus —
following an emergency room admission, the Tier 3 – Standard level of benefits will apply. For non-emergency care, members must use in-network providers. Lehigh Valley
Muhlenberg
Select Keystone Hospital
HMO —— under Your Plan for the tiers to display.
Proactive
St.St.
Luke’s Hospital
Luke’s
Warren
——
Hospital
Campus 20621 2007282 (08/22)
Muhlenberg
Muhlenberg Warren Campus
Warren Campus
Updates are made periodically to our network and provider tiering. To get the latest information, visit ibx.com/providerfinder.
Updates
Select are made
Keystone
Updates are periodically
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made Proactivetotounder
periodically our
ournetwork and
Your Plan
network provider
andfor tiering.
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tiering. To thelatest
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visit ibx.com/providerfinder.
ibx.com/providerfinder. 20621 2007282 (08/22)
Updates
Select are made
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our networkPlan
andfor
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Select KeystoneHMO
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Proactive under Your
Your Plan for the tiers
the tiers todisplay.
to display. 2062120621 2007282
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Select Keystone HMO Proactive under Your Plan for the tiers to display. 20621 2007282 (08/22)
23 24You can also read
