FAQ

Below are frequently asked questions about Independence Blue Cross. To view an answer to a question listed below, please click the question. If you have additional questions, please go to the Contact Us page to find out where you can direct your questions.

General Questions

What type of security measures do you use?
How do I apply?
Where do I mail my completed application?
Who do I contact if I have questions regarding filling out my application?
Can I finish completing my application later?
What should I do if I receive a message that account access has been disabled?
How do I change my address, phone number(s), email address or contact preferences on ibx4you.com?

Register/Login Page

Why won't the system accept my username and password?
What is a security question and answer?
What is the priority code?
Why do you need my address and phone number?
Why am I receiving this message: "Independence Blue Cross does not provide online quotes in your area at this time"?

Applicant Information

Why can't I choose another effective date?
Do you need my Social Security number?
Can I change my PCP after I have chosen one?
What are the "PCP Office Name" and "HMO ID"?

Personal and Contact Information

What if my residence is outside the area you cover?

Payment Information

Will I be charged?
What happens to my initial premium if the coverage I requested is denied?
How does electronic payment work?
What is the "Name of the Financial Institution"?
What is the "Name on Bank Account"?
What is the "Relationship"?
What if my employer is paying for my insurance?

Submission

How do I sign my name electronically?

General Questions

What type of security measures do you use?
To apply for medical coverage, you will be asked to provide personal information that is necessary for us to process your request. To ensure that your transaction remains confidential, the information is sent to us using an encrypted form in a "secure session" established with Secure Socket Layer (SSL). We also require the use of authentication, such as user ID and password, which allows us to verify your identity when you use our online services. Additionally, we use firewall technology to safeguard your information from outside access.

Security recommendations:
  • Do not share your username or password with anyone. We require 6 to 14 characters (both letters and numbers) for both your username and password. Passwords are also case-sensitive.
  • Choose a unique password (do not use your Social Security number, birth date, middle name, name of children, or anything else that someone could easily guess).
  • After you have submitted your application, close your browser before leaving your computer.
  • Do not leave your computer unattended during your online application process.
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How do I apply?
You can apply on this website or you can request to receive an enrollment packet containing a paper application by mail. Applying online is simple and secure. In addition, when you apply online you can easily track the status of your application at any time.

To request an application by mail, select Request a Paper Application by Mail on the How to Apply screen or call 1-800-263-1410 between 9:00 a.m. and 9:00 p.m.
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Where do I mail my completed application?
Please mail your completed application to:
Independence Blue Cross
P.O. Box 41474
Philadelphia, PA 19101-1474
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Who do I contact if I have questions regarding filling out my application?
Please call 800-263-1410 between 9:00 a.m. and 9:00 p.m. Or, click Contact Us to email us your question or comment.
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Can I finish completing my application later?
Once you start your application online, you may save it at any point and return within 30 days to complete it. After 30 days you will need to start a new application.
To save your application, click the Save button on the Account Information screen.
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What should I do if I receive a message that account access has been disabled?
To safeguard your privacy and maintain the security of online transactions, account access is disabled when a user attempts to log in three times using an unrecognized username or password. To reset account access, call 1-800-263-1410 between 9:00 a.m. and 9:00 p.m.
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How do I change my address, phone number(s), email address or contact preferences on ibx4you.com?
Login to your account and click the Account Info link, then click the Modify button found on the Account Information screen. Make your changes, then click Update to save your changes or Cancel to discard the changes.
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Register/Login Page

Why won't the system accept my username and password?
Your username and password must be 6 to 14 characters (letters and numbers combined).
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What is a security question and answer?
The security question and answer are provided as security measure to identify you in the event that you forget your username or password. Be sure to write a question that you know you can easily answer.

Examples are:
  • What is your mother's maiden name?
  • Where were you born?
  • What was the street name where you were born?
  • What is your favorite color?
  • What was your first pet's name?
  • What is your favorite band or musician?
  • Once you have entered in your security question, enter your answer, which must be between 4 and 30 characters. You may want to phrase your question so that your answer is one word.
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What is the priority code?
If you received information about these health plans in the mail, you may have a priority code listed on your mailer. If you enter the priority code, it will help you save time by filling in some basic information.
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Why do you need my address and phone number?
Because these are medically underwritten products, we may need to contact you with questions about your medical history.
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Why am I receiving this message: "Independence Blue Cross does not provide online quotes in your area at this time"?
These medically underwritten plans are provided only in the Pennsylvania counties of Bucks, Chester, Montgomery, Philadelphia, and Delaware.
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Applicant Information

Why can't I choose another effective date?
Your effective date is the day that you want your health insurance coverage to begin. Coverage effective dates are either the 1st or 15th of the month.

Since these are medically underwritten plans and your application takes time to review, we cannot guarantee your effective date, and we require the effective date to be at least 10 days from the date you start your application online. If your application review goes beyond your requested effective date, we will move your effective date to the next available date on either the 1st or the 15th of the month.

Important: Be sure to keep your current coverage in effect until you have been notified of approval by Independence Blue Cross. Otherwise, you may be without health insurance coverage.
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Do you need my Social Security number?
Yes, in order for Independence Blue Cross to process your application, you are required to provide your Social Security number. To protect your personal information, we encrypt your information using a "secure session" established with Secure Socket Layer (SSL). We also require the use of authentication, such as user ID and password, which allows us to verify your identity when you use our online services. Additionally, we use firewall technology to safeguard your information from outside access.
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Can I change my PCP after I have chosen one?
Yes, once you are a member it's easy to change your PCP. To change your PCP, simply logon to ibxpress.com or call the Health Resource Center at 215-241-3367 within the Philadelphia area or 1-800-ASK-BLUE outside the Philadelphia area. PCP changes become effective on the first day of the following month.
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What are the "PCP Office Name" and "HMO ID"?
For the Individual HMO plans, you need to select a primary care physician (PCP). Family members may select different primary care physicians. Hospitals and specialists may not be selected as a primary care physician.

Steps to find a provider/physician:
1) Click on the Find a Provider link to enter the name of a provider/physician or search for a provider based on a location (e.g., distance to your house or work).
2) Once you find a provider/physician, the office name is highlighted in blue and underlined. Note: It may be the name of the physician. Enter the office name into the application.
3) The HMO ID will be under the provider's office name in bold black text. Enter the series of numbers after "HMO ID" into the application.
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Personal and Contact Information

What if my residence is outside the area you cover?
Coverage is limited to residents of the Pennsylvania counties of Bucks, Chester, Delaware, Montgomery, and Philadelphia.
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Payment Information

Will I be charged?
You will not be charged until you have been approved for coverage.
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What happens to my initial premium if the coverage I requested is denied?
If your coverage is denied and you authorized electronic payment via ACH, the initial premium transaction will not be processed. If you submitted a check with your paper application, your original check will be returned with the notice that coverage was denied.
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How does electronic payment work?
Electronic payment is a free service offered by Independence Blue Cross which allows you to have your premium automatically deducted monthly from your checking or savings account via the ACH process. Electronic payment is the worry free way to help ensure you won't miss a payment and risk losing your health insurance coverage.

You won't have to write and send in checks. With electronic payment, your premium is taken care of even when you're away on business or vacation. Plus, electronic payment help you budget monthly expenses and allow you to spread out your premiums over the course of a year to avoid larger quarterly payments.

All online applicants will pay premiums using electronic payment. If you request a paper application, you will receive an electronic payment enrollment form with your packet.
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What is the "Name of the Financial Institution"?
The "Name of the Financial Institution" is the name of the bank where your account is held.
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What is the "Name on Bank Account"?
If it is your own bank account, enter your name. If it is a joint account, enter all names on the account. If you are self-employed and it is your bank account under the name of a business entity, enter your business's name.
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What is the "Relationship"?
If this is your account, enter "My account." If this is a joint account, enter that it is a joint account with your spouse. If you are self-employed and it is the bank account of your business, enter that you are the owner of the business account.
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What if my employer is paying for my insurance?
For automatic withdrawal, your employer will need to provide us with a signed statement that, if approved, the premiums are authorized to be withdrawn from its account. Or, your employer may send the premium by check.
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Submission

How do I sign my name electronically?
If you are applying online, an electronic signature is required. To sign electronically, just type in your name as you entered it on the first page of your application.
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Keystone Health Plan East HMO Plans are underwritten
by Keystone Health Plan East, and the Personal Choice
PPO Plans are underwritten by QCC Insurance Company,
Independent licensees of the Blue Cross and Blue Shield
Association.
© 2014 Independence Blue Cross.
Independence Blue Cross is an independent
licensee of the Blue Cross and Blue Shield
Association, serving the health insurance needs
of Philadelphia and southeastern Pennsylvania.