Affordable plan options combine trusted provider access with benefits that support healthy aging
As rising health care costs and continued changes reshape the Medicare Advantage market, Independence Blue Cross (IBX) is expanding its 2027 lineup with a new HMO option designed to give Medicare beneficiaries another affordable choice. During the Medicare Annual Enrollment Period beneficiaries can select coverage that supports their health, budget, and goals for healthy aging.
For 2027, members can choose from Keystone 65 HMO and HMO-POS options and Personal Choice 65SM PPO plans. Many plans feature low or $0 monthly premiums, $0 primary care visits, preventive care at no additional cost, and medical and prescription drug coverage. Members also have access to one of the region’s largest networks of doctors and hospitals, helping them receive care from providers they know and trust.
New for 2027, Keystone 65 Assured HMO adds another affordable Medicare Advantage option for beneficiaries to consider based on their health care needs and budget.
“Medicare beneficiaries are facing more choices and continued change in today’s market,” said Kortney Cruz, senior vice president of Government Markets at Independence Blue Cross. “Our focus is straightforward: offer affordable coverage, access to trusted doctors and hospitals, and benefits that help people stay healthy and independent. That is what our 2027 Medicare Advantage portfolio is designed to deliver.”
Highlights of IBX’s 2027 Medicare Advantage plans include:
- Plans that fit your needs and budget: Choose from a range of affordable options. Keystone 65 Assured HMO offers a $0 monthly premium for members focused on keeping monthly costs as low as possible, while Keystone 65 Select HMO delivers especially strong overall value, with a low maximum out-of-pocket limit, low copays on many services, and no Part D deductible.
- $0 copays on select prescription drugs at preferred pharmacies: Plus, members can make fewer trips to the pharmacy with a 100-day supply on select medications.
- Convenient, connected care: $0 telemedicine visits, nurse support services, and wellness resources that provide access to care and guidance.
- Whole-person health: Vision, hearing, and dental benefits on select plans, including routine exams, eyewear allowances, hearing aid benefits, and comprehensive dental coverage options.
- Up to $600 in value on one convenient card: The IBX Care Card brings together up to $300 in annual healthy rewards and, for eligible plans, up to $300 annually ($75 per quarter) in over-the-counter benefits—all on one easy-to-use card.
- Trusted local access: Benefits and resources that help members stay active, engaged, and connected to care through a broad regional network.
Enrollment begins October 15
The Medicare Annual Enrollment Period takes place October 15 through December 7. Prospective members can talk to a licensed sales agent over the phone to help them choose and enroll in an Independence Medicare Advantage plan by calling 1-877-393-6733 (TTY/TDD: 711) seven days a week, from 8 a.m. to 8 p.m.
Current members can call the number on the back of their member ID card to speak with the Member Help Team about their current Medicare Advantage plan or 2027 options. Members affected by 2027 plan changes will receive direct communication and support to help them understand and evaluate their coverage options.
About Independence Blue Cross
Independence Blue Cross (IBX) is an independent licensee of the Blue Cross and Blue Shield Association. Founded in 1938, IBX is one of the largest health insurance companies in Pennsylvania and the No. 1 preferred health plan in the Greater Philadelphia region. Committed to transforming health and health care, IBX offers a broad spectrum of health insurance products and services, including medical, dental, vision, and behavioral health coverage for individuals, families, seniors and employers. IBX is dedicated to supporting the health and wellbeing of the communities it serves through partnerships, corporate giving, and employee volunteer engagement. For more information, visit ibx.com.
Media contact:
Diana Quattrone
215-815-7828 (cell)
Diana.Quattrone@ibx.com
Please note that on weekends and holidays from April 1 through September 30, your call may be sent to voicemail.
Independence Blue Cross offers PPO, HMO-POS, and HMO Medicare Advantage plans with a Medicare contract. Enrollment in Independence Blue Cross PPO, HMO-POS, and HMO Medicare Advantage plans depends on contract renewal.
Independence Blue Cross offers products through its subsidiaries and affiliates including Independence Assurance Company, Independence Hospital Indemnity Plan, Keystone Health Plan East, and QCC Insurance — independent licensees of Blue Cross and Blue Shield Association.
Independence Blue Cross (IBX) has contracted with InComm Healthcare & Affinity, Inc., an independent company, to manage the IBX Care Card program for Independence Blue Cross members. When using the IBX Care Card, if the member exceeds the OTC benefit/rewards amount, alternative payment will be required for the remaining balance due. Members should ask the retailers if they accept split payment methods prior to receiving services. Dual-purpose items are medicines and products that can be used for either a medical condition or for general health and well-being. In order to purchase these items, a personal physician must recommend them for a specific diagnosed condition. Please speak to a physician before ordering these items. Items include, but are not limited to, vitamins and minerals, home monitoring and testing, and weight loss items. Members should retain the IBX Care Card through the expiration date. InComm, at its discretion, may substitute retailers and products. Terms and conditions may apply for the IBX Care Card. To learn more, visit mybenefitscenter.com. Products not covered under rewards include, but are not limited to, stamps, lottery, alcohol, firearms, and tobacco. The IBX health rewards are available only to eligible Medicare Advantage beneficiaries who complete a health care activity. Rewards may not be redeemed for cash (unless required by law).
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Website last updated: 10/5/2026
