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Independence Blue Cross Medicare Supplement Insurance Review

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Independence Blue Cross is an independent licensee of the Blue Cross and Blue Shield Administration. It caters to residents of Philadelphia and southwestern Pennsylvania. The company offers several options for seniors, including Medicare Advantage and Medicare supplement insurance plans as well as Part D prescription plans.
 
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How is Independence Blue Cross rated?

Breakdown

4.0/5
Level of Coverage
4.0/5
Services
4.0/5
Reputation and Customer Experience
4.0/5
Financial Strength

Overall Rating: 4 / 5 (Very good)

Independence Blue Cross offers several appealing Medicare supplement plans with a range of cost and coverage options. Unfortunately, its coverage area is rather small, but if you're within it, it's worth taking a few minutes to review its options and see whether any appeal to you.

Independence Blue Cross Coverage

Level of Coverage - 4 / 5

Independence Blue Cross offers several Medicare supplement plans throughout Philadelphia and Pennsylvania, including the three most popular plans -- F, G and N. While hearing and vision coverage aren't included in the standard packages, Independence Blue Cross does offer hearing and vision discount programs that you can opt into if you want to save money on these expenses. Members of the Healthy Lifestyle Solutions program can also receive $150 per month toward fitness memberships or approved weight management and smoking cessation programs. You won't find these extras with many other Medicare supplement insurance providers, so give Independence Blue Cross a closer look if they appeal to you.

Plan Types

  • Plan A - Will cover hospital medical bills for inpatient hospital care, skilled nursing facilities and hospice care. This coverage is free for seniors who have paid at least ten-years of Medicare taxes while being employed.
  • Plan B - Will cover medical bills from doctor’s services and other outpatient care such as lab testing, diagnostic and preventative care services and medical supplies that are medically necessary. Seniors must pay a monthly premium for Part B coverage.
  • Plan F - Less expensive than other plans, F covers all the same benefits as C, with the addition of 100% of Part B's excess charges.
  • Plan G - Covers almost every Medicare supplemental insurance benefit, with the exception of Part B's annual deductible.
  • Plan N - Covers hospital copayments, Part B co-insurance except $20 for office visits & $50 for emergency visits, first 3 pints of blood, hospital deductible, SNF, foreign care, all of Part B co-insurance for preventive care, and hospice care.

At a Glance

Additional Benefits
Lifestyle coaching
Hearing Aids
Eyeglasses

Independence Blue Cross Pricing

Services - 4 / 5

Independence Blue Cross has Medicare supplement plans that will fit comfortably into most budgets. Once you've entered your basic information, you can view all of your options and compare up to three of them at once based on price and coverage. Each plan breaks down the cost and coverage options so you can quickly understand how much it'll cost you.

Independence Blue Cross Customer Experience

Reputation and Customer Experience - 4 / 5

Most customers are satisfied with the coverage and customer service that Independence Blue Cross provides, as evidenced by its A+ Better Business Bureau rating. While its website doesn't provide a lot of resources to help seniors understand Medicare and Medicare supplement plans apart from a few articles, it does offer several methods of support so you can reach out directly with questions if you have any.

Support

  • Email
  • Snail mail
  • Toll-free number

Educational Resources

  • Articles

Reviews

BBB Rating
A+
Date Collected
2019-11-12

Independence Blue Cross Financial Strength

Financial Strength - 4 / 5

We weren't able to locate any current financial strength ratings for Independence Blue Cross's underwriter, QCC Insurance Company, but the fact that the company has been in business so long indicates that it has a solid customer base and should be capable of paying out claims when necessary.

Year Founded

1938

Underwriter

QCC Insurance Company

Company Profile

Full Name
Independence Blue Cross Medicare Supplement Insurance
Company Website
https://www.ibxmedicare.com/
Headquarters
1901 Market St., Philadelphia, PA, 19103

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Customer Comments & Reviews

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K
Kenneth H
2/4/2022
The most dishonest company out there. Thier salespeople will tell you any lie to get you to buy a plan. Be prepared to spend many hours on the phone trying to straighten out problems. The directors belong in prison, in my opinion.

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