Stay healthy
Stay healthy

Health and wellness

Living a healthy life starts with taking good care of yourself. And keeping your life in step with good health doesn't have to be tricky. Explore the wide range of resources, support, and services available to our Medicare Advantage members.

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Understanding your network

You have access to a large provider network of doctors, hospitals, and health care facilities in our area.

Keystone 65 HMO members

As an HMO member, your health plan covers care received from in-network providers. However, out-of-network emergency care is covered for medically necessary services for emergency care. Keystone 65 Focus HMO-POS members have an annual point-of-service maximum that can be used towards out-of-network care, but they'll pay less for in-network care. Please note that the Keystone 65 Focus plan uses a defined network that is a subset of our Keystone 65 HMO network.

You are required to receive in-network laboratory services (like blood work) at a site your Primary Care Provider (PCP) chooses. You can view your PCP's designated site on the front of your member ID card or by logging into ibx.com.

Personal Choice 65 PPO

As a Personal Choice 65 PPO member, you have the freedom to choose any doctor or hospital in- or out-of-network. But you'll pay less by selecting a doctor or hospital in the network.

Dental, vision, and hearing

Staying healthy includes taking care of your oral health, vision, and hearing. That’s why all of our 2025 Medicare Advantage plans offer robust dental, vision, and hearing benefits. There are NO copays for routine in-network dental, vision, and hearing exams; hearing aid fittings and evaluations; and more. And other in-network dental, vision, and hearing services are much more affordable, too.

Regular dental care not only keeps your smile intact and your mouth healthy; it also helps catch other potential health problems before they become more serious. Taking care of your vision can help prevent falls and maintaining good hearing can reduce your risk of social isolation and dementia.

IBX Medicare members receive access to benefits such as:

  • $0 copay for one in-network oral exam and teeth cleaning every six months and — new for 2025! available on most plans — one fluoride treatment and two dental consultations every 12 months
  • Annual allowance for comprehensive dental services, including implants, fillings, root canals, crowns, partial bridges, dentures, anesthesia during oral surgery, and more — available on most plans
  • $0 copay for one in-network routine eye exam every year
  • One pair of eyeglasses (frames and lenses) or contact lenses covered per year:
    • Eyeglasses are covered in full when purchased from the Davis Vision Collection
    • $250 allowance to pay for eyeglasses when purchased from Visionworks®1
    • $150 allowance to pay for eyeglasses when purchased from a Davis Vision provider
    • Or a $150 allowance every year for contact lenses (instead of eyeglasses)
  • $0 copay for one in-network routine hearing exam every year
  • Unlimited in-network hearing aid fittings and evaluations for the first year — at no cost through TruHearing

Visit our Find a doctor, dentist, or pharmacy page to find a participating IBX Medicare Dental Network dentist, Davis Vision provider, or TruHearing provider.

Learn more about 2025 routine dental, vision, and hearing coverage by reviewing your 2025 Evidence of Coverage (EOC).

Primary care provider

Primary care is an important part of staying healthy— and a primary care provider (PCP) can be your main partner in doing just that! A PCP will get to know your health history and medical issues, and provide basic medical care, including annual health checkups. They will also answer your health-related questions and help coordinate services with specialists and other providers (no referrals needed).

To learn more about how to get started and the importance of primary care, view our Primary Care Journey flyer.

For Keystone 65 HMO Members: You are required to choose an in-network PCP. No matter which in-network PCP you choose, your copay will be $0, and you won't need a referral to see a specialist. However, you must see specialists within our network.

Keystone 65 HMO members must notify us once you choose your PCP.

To choose your PCP online, log in or register at ibx.com/login. Click on the My Care tab and select Choose my Primary Care Physician from the drop-down menu.

To choose your PCP by phone, call our Member Help Team.

For Personal Choice 65 PPO Members: Your plan doesn’t require you to choose a PCP, but it’s still a good idea as they will help coordinate your care. Whether you choose a PCP or not, you don't need a referral to visit a specialist. You may see health care providers whether they’re in or out of our network, but you’ll usually pay less by seeing in-network providers.

To find in-network doctors, hospitals, and other health care centers use our online Find a Provider tool.

Find a provider

Care in your home

Receive care right where you’re most comfortable, your home. Below are home-based primary care and virtual care options that are available through your IBX plan.

Primary care

Good primary care is fundamental to your health and well-being, but sometimes getting to a doctor’s office for a visit can be a challenge. That’s where Patina can help. They offer comprehensive primary care that comes right to you and is just for adults 65+.

As experts in this phase of life, Patina takes the time to know you and create a care plan tailored to you. The best part is that their care comes right to you, in the comfort and convenience of home or wherever you are, through both virtual and in-home visits. Whether you’re active and healthy or managing more complex conditions, Patina is there when you need them (including 24/7 if care is needed after normal business hours).

  • A dedicated, physician-led care team: Your team includes a primary care practitioner, a health champion, and a nurse champion, who deliver high-quality care and help you with legwork.
  • Support for your total health and well-being: Patina supports all your needs: physical, emotional, and social.
  • Easy access, immediate appointments: Reach your care team anytime through easy-to-use web and mobile apps, phone, or chat.

Patina primary care is available at no extra cost beyond your standard in-network primary care physician copay.

Learn more about Patina.

Other providers are available in our network.

Telemedicine

It’s not always easy or convenient to go to a health appointment. With Teladoc Health, you get quality care for non-emergent general medical, mental health, and dermatology conditions. Connect virtually from your home or when traveling via your computer, tablet, or smartphone, at no cost.

  • General medical care: You have 24/7 access to board-certified doctors who can diagnose and treat non-emergency conditions such as sinus infections, flu, sore throats, allergies, earaches, pink eye, and more.
  • Mental health care: Schedule visits with a licensed therapist, psychologist, or psychiatrist and get support for depression, anxiety, stress, grief, and more.
  • Dermatology: Connect online with a board-certified dermatologist who can provide timely answers to questions about new or chronic skin conditions like rashes, acne, eczema, and rosacea.

Visits are available in several languages through an interpreter, including American Sign Language (ASL).

Learn more about the Medicare Advantage telemedicine benefit.

Middle Aged Man Drinking Coffee And Receiving A Health Insurance Alert Via Text

Get connected

Stay up to date, without all the paper. Get coverage info, personalized screening reminders, and tips for maximizing your benefits through email and text.

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Preventive care

Many health conditions are easier and less expensive to manage when they’re detected early. That’s why visiting your PCP and prioritizing preventive care is so important!

An annual wellness visit with your PCP is available at no cost — so schedule yours today! During this visit, you can:

  • Review your medical and social history
  • Identify any risk factors you might have for various health conditions
  • Learn about recommended preventive screenings, tests, and vaccines

IBX Medicare Advantage plans pay for a yearly checkup with your PCP. They also pay for many preventive screenings at no cost to you, including tests for:

  • Breast cancer
  • Bone mass
  • Colorectal cancer
  • Diabetes
  • Eye problems
  • Kidney disease
  • High blood pressure

You can also get common shots to protect you from diseases at no cost. (Note: Most shots covered by Medicare Part B and D are free for you.)

Learn more about why preventive care matters.

View the full list of preventive screenings, vaccines, and other preventive care services on Medicare.gov.

IBX Care Card

Your IBX Care Card is a convenient way to save money and access your over-the-counter (OTC) benefit and, for specific plans, a dental, vision, and hearing (DVH) flex benefit or a Medical + DVH flex benefit. Your IBX Care Card is separate from your member ID card and comes activated — simply swipe your card and select credit — no pin is needed!

Quarterly over-the-counter (OTC) benefit allowance

Available to all individual IBX plans, your OTC benefit includes a quarterly allowance preloaded on your IBX Care Card to pay for eligible OTC health and wellness items at participating stores. Use your allowance to buy things like cold and allergy medications, first aid supplies, blood pressure cuffs, and more. View our top 30 OTC products available for purchase.

Shop at a participating store or from home!

Your OTC allowance is provided quarterly (every three months) and does not roll over to the next quarter if it is not used.

Quarterly OTC allowances vary by plan

  • Keystone 65 Liberty HMO, Keystone 65 Preferred HMO, Keystone 65 Select HMO, Personal Choice 65 PPO, Personal Choice 65 Plus PPO, and Personal Choice 65 Saver PPO: $30
  • Keystone 65 Basic HMO, Keystone 65 Focus HMO-POS (without Vital Care Plus), Personal Choice 65 Prime PPO: $70
  • Keystone 65 Focus HMO-POS (with Vital Care Plus): $80
  • Keystone 65 Essential HMO-POS: $100
  • Personal Choice 65 Elite PPO: $125

Learn more about the OTC Benefit.

Annual dental, vision, and hearing (DVH) flex benefit allowance

Exclusively for Personal Choice 65 Elite PPO and Personal Choice 65 Prime PPO plan members

In addition to the OTC benefit, Personal Choice 65 Elite PPO and Personal Choice 65 Prime PPO plan members will receive an annual $300 DVH allowance preloaded on your IBX Care Card to pay for out-of-pocket dental, vision, and hearing expenses. Services and products must be provided by a licensed dental, vision, or hearing provider that accepts the IBX Care Card.

Your DVH allowance does not roll over to the next benefit year.

Learn more about the DVH Flex Benefit.

NEW for 2025! Annual medical, dental, vision, and hearing (Medical + DVH) flex benefit allowance

Exclusively for Keystone 65 Basic HMO and Keystone 65 Essential HMO-POS plan members

In addition to the OTC benefit, Keystone 65 Basic HMO and Keystone 65 Essential HMO-POS plan members will receive an annual $300 Medical + DVH allowance preloaded on their IBX Care Card to pay for out-of-pocket medical, dental, vision, and hearing expenses. Services and products must be provided by a licensed medical, dental, vision, or hearing provider that accepts the IBX Care Card. See your Evidence of Coverage (EOC) for a list of select medical benefits covered by your Medical + DVH flex benefit.

Your Medical + DVH allowance does not roll over to the next benefit year.

Learn more about the Medical + DVH flex benefit.

Have questions about your IBX Care Card and how it works?

Take a look at our Frequently Asked Questions to learn more about the OTC, DVH flex, or Medical + DVH flex benefit allowance, or you can call the Member Help Team.

To check your card balance, visit mybenefitscenter.com, use the OTC Network mobile app, or call the number on the back of your IBX Care Card.

For help using mybenefitscenter.com or the OTC Network App view this user guide.

Fitness membership

Stay active with a free fitness membership through One Pass®!

A One Pass membership gives you access to a variety of physical, social, and mental fitness programs. You can visit one of the many gyms in the One Pass network (including all local YMCAs), take in-person or virtual classes, attend social events and classes, receive a home kit shipped right to your door, get access to brain workouts, and more!

Getting started with One Pass is simple.

Create a One Pass account to get your unique One Pass member code and access all that One Pass offers, both in person and online.

To get started visit youronepass.com or call One Pass at 1-877-504-6830 (TTY/TDD: 711), Monday through Friday, 9 a.m. to 10 p.m.

To locate a participating gym near you, Find a gym near you.

Learn more about this fitness benefit.

Personal health visits

IBX has contracted an independent third-party vendor to offer you a personal health visit at no cost. A personal health visit can help you stay up to date with your health care in between your regular doctor's visits. It is meant to support your overall health in addition to, not as a substitute for, any other doctor’s appointments you have scheduled.

This in-person or virtual appointment is with a licensed medical professional and will last about 45 minutes to one hour. The medical professional will perform a detailed physical exam, review and discuss your health history, and address any questions or concerns you have. They will always share your exam results with your regular doctor.

As a bonus for completing your personal health visit, we are offering you a $50 retail gift card! Participation in this program is not mandatory, and the visit will not affect your health benefits or premiums.

Independence health rewards*

Doing the right thing for your health is full of rewards. As an Independence Medicare Advantage member, you’re invited to earn and redeem gift cards from some of your favorite retailers.

We created this program to make it easy — and extra rewarding — to stay healthy. It all starts with an annual wellness visit available at no cost to redeem your first reward. And for 2024, you can earn more by redeeming rewards for certain preventive care screenings, vaccines, and social and lifestyle activities. Earn and redeem your rewards for 2024 no later than 12/31/2024.

For details on how to earn, report, and redeem your rewards, download our 2024 rewards program overview with details on how to get started in three easy steps, and a list of available activities. Keep it handy as a quick reference and add up your rewards!

Check out our frequently asked questions for more information.

*Terms and conditions apply. See https://rewardsgenius.com/reward-link-terms-of-service for more information. Reward values may change at any time.

Update magazine

Update magazine is distributed to Medicare Advantage members three times a year and has grown to become a member favorite! Each issue focuses on health and wellness content, including recipes, informative stories, and workout ideas, as well as helpful tips for how members can utilize their benefits.

View our latest issue of Update magazine online by clicking on the image below!

Update Magazine

Registered Nurse Health Coaches and Case Managers

Set, achieve, and maintain your health goals with an Independence Registered Nurse Health Coach available at no additional cost! Members have 24/7/365 access to speak with a Registered Nurse Health Coach.

Health Coaches and Case Managers are specialized registered nurses and licensed social workers who will work with you to:

  • Answer your health-related questions
  • Assist you in managing chronic health condition(s)
  • Identify emerging health risks
  • Follow your doctor’s treatment plans
  • Navigate your health journey
  • Access support for stress, depression, or anxiety

Your Health Coach or Case Manager will provide you with an added level of support to help you stay healthy. Health Coaches and Case Managers may also refer members to an Independence Social Worker for assistance with community resources.

To get started, call 1-800-275-2583 (TTY/TDD: 711) 24 hours a day, seven days a week.

Enhanced Disease Management services

Health Coach services provide extra help to eligible members with chronic health conditions. You may be referred to a Health Coach by your treating physician, or a Health Coach may call you to assess your overall health and well-being.

You have the right to opt in or opt out of these services. Simply advise your Health Coach or Case Manager at any time if you wish to end your relationship with them. You may also call the number on the back of your member ID card and ask that you not be contacted by a Health Coach in the future.

Health coach makes a computer call to a Medicare patient.

Connect with a Health Coach

Learn about our Registered Nurse Health Coach program. Health Coaches are available to provide clinical support 24/7/365.

Learn more

One Day University

Experience the joy of lifelong learning! Members have access to free, unlimited classes through One Day University. Explore exciting topics through daily live talks and prerecorded lectures from your own home.

One Day University works closely with top professors from various colleges and universities to develop fascinating lectures designed to inform and inspire. And don’t worry there’s no grades, tests, or homework!

Access One Day University at onedayu.com/ibx. Click “start your free membership now” to create an account and complete your free purchase.

Transportation to health visits

For eligible members of select plans, our transportation benefit provided by Roundtrip makes it easier for you to get to and from your essential health visits at no cost.

Book and manage your rides through the Roundtrip Rider app, or call 1-877-661-1864 (TTY/TDD: 711). Representatives are available 24/7.

You can also go to roundtriphealth.com/ibx for quick start guides, FAQs, and to visit the Roundtrip online portal.

Learn more about the transportation benefit. Contact our Member Help Team to confirm eligibility.

Grocery

Provided through FareRx, eligible members can get groceries delivered right to their door at no cost. Your grocery delivery will contain fresh, local groceries that are organic whenever possible, along with recipes for easy and tasty ideas for healthy meals.

For Keystone 65 Basic, Keystone 65 Focus, Keystone 65 Preferred, Keystone 65 Select, Personal Choice Elite, Personal Choice Prime, and Personal Choice PPO plans:

Members who have been diagnosed with both diabetes and a depressive disorder are eligible to get groceries delivered for a maximum of four weeks per year, per member.

New for 2025! Keystone 65 Essential HMO-POS:

Members who qualify for the Medicare’s Low-Income Subsidy (“Extra Help”) program and have a diagnosis of one of the following conditions, are eligible to get groceries delivered for a maximum of 12 weeks per year, per member. Qualifying health conditions include: chronic and disabling mental health conditions, hypertension, diabetes, obesity, chronic kidney disease (CKD), or chronic heart failure (including ischemic heart disease, hyperlipidemia, and peripheral vascular disease).

Contact our Member Help Team to confirm eligibility.

Visitor/traveler coverage

Personal Choice 65 PPO members are eligible for the optional Visitor/Traveler benefit. You can take extended visits (up to 12 months) to places in the shared Blue Cross®/Blue Shield® visitor/traveler service area without losing your coverage.

The service area includes 48 participating states and two territories2, Puerto Rico and the District of Columbia. You will pay the in-network cost-sharing level for covered benefits while visiting participating providers in the service area.

To learn more:

  • Call 1-800-810-BLUE to find out which providers you may visit when out of state.
  • Use the Find a Doctor tool at bcbs.com to search for participating providers.

 

1An affiliate of Independence Blue Cross has a financial interest in Visionworks, an independent company.

2Participating states and territories are subject to change at any time.

 

 

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Website last updated: 11/12/2024