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Financial well-being

Protecting your health is more than just taking care of your physical well-being. At Independence Blue Cross (IBX), we recognize the connection between financial, emotional, and physical well-being. It’s for this reason that we make three financial well-being programs available to you and your family members at no cost, all designed to help you achieve your financial goals:

  • The College Tuition Benefit®
  • GradFin
  • AblePay

The College Tuition Benefit

The College Tuition Benefit provides an effective way to help send a child or loved one to college. It works like a scholarship. The SAGE Scholars Tuition Rewards® Points earned each year can be used at any of the more than 450 participating colleges and universities nationwide.1,2 Visit tuitionrewards.com/colleges for a complete list.

Program highlights:

  • When you sign up, you earn 2,000 Tuition Rewards Points annually.
  • One Tuition Rewards Point is equal to a $1 minimum discount off the full price of tuition.
  • In the fourth year, you receive a bonus of 2,500 Tuition Reward Points.3
  • Each child you sponsor receives a one-time bonus of 500 Student Tuition Rewards Points.
  • You can sponsor your children, grandchildren, nieces, nephews, stepchildren, and godchildren.

Be sure to register the child by August 31 of the year they begin 12th grade. But don’t wait — the sooner you start to participate, the more Tuition Rewards Points you earn!

Log in to register a child today.

GradFin

GradFin3 provides personalized student loan advice to help you navigate the perfect savings plan for federal and private student loans, potentially saving you thousands of dollars.4

As an IBX health plan member, you can take advantage of the services GradFin offers.

Receive a free 30-minute consultation to better understand how to manage your repayment options, which may include Income-Driven Repayment, Public Service Loan Forgiveness,5 or refinancing. Plus, you receive exclusive discounts on annual memberships with GradFin, all designed to save you money and improve your financial future.

Exclusive pricing through IBX

  • Refinance Bonus. GradFin provides a $100 bonus when participants or their family members refinance loans through GradFin.6
  • Public Service Loan Forgiveness (PSLF) pricing concession. Participants or their family members employed at a 501(c)3 nonprofit can participate in the PSLF membership program for a flat rate of $100 per year.7
  • Income-Driven Repayment (IDR) pricing concession. Participants or their family members can participate in the GradFin IDR program for a flat rate of $199 per year.8

Learn more and sign up for a free consultation! Visit goto.gradfin.com/forgetdebt/ or call 267-703-4678 and, when prompted, provide the access code: forgetaboutit.

AblePay

Did you know you can save on medical costs? Along with your health plan benefits, you have access to a free program called AblePay Health. AblePay can help you save up to 13 percent on out-of-pocket medical costs that your health plan doesn’t cover, including copays, coinsurance, and deductibles when visiting an AblePay provider.

Enrolling in AblePay is simple! Visit ablepayhealth.com/ibx to get started or call 484-292-4000.

1 Check your Member Benefit Booklet to see if your plan qualifies for this benefit.

2 This is a value-added program and not a benefit under an IBX health plan and is, therefore, subject to change without notice.

3 GradFin is not a debt relief services company, lender, loan broker, broker-dealer, registered investment adviser, or insurance agent. Information provided by GradFin does not constitute, nor does GradFin provide, tax, legal, financial, credit counseling, or accounting advice.

4 Savings vary based on the rate and term of your existing and refinanced loan(s). Refinancing to a longer-term may lower your monthly payments but may also increase the total interest paid over the life of the loan. Refinancing to a shorter term may increase your monthly payments but may lower the total interest paid over the life of the loan. Review your loan documentation for total cost of your refinanced loan.

5 To qualify for PSLF, you must be employed by a U.S. federal, state, local, or tribal government or not-for-profit organization (federal service includes U.S. military service); work full-time for that agency or organization; have Direct Loans (or consolidate other federal student loans into a Direct Loan); repay your loans under an income-driven repayment plan; and make 120 qualifying payments. For full program requirements, visit studentaid.gov/manage-loans/forgiveness-cancellation/public-service.

6 A $100 cash bonus is offered on new student loan refinance applications from active IBX members. The loan application must close in order to qualify for the bonus, which will be paid within forty-five (45) days of loan closing. This offer cannot be combined with any other discounts from GradFin, Laurel Road, KeyBank NA, affiliated partners, or employers. The value of the bonus may be reported to the IRS on Form 1099-INT.

7 IBX members get a $149 discount on the annual Public Service Loan Forgiveness (“PSLF”) membership with GradFin (“Offer”). The discount will be applied to new annual memberships and will automatically apply at checkout. This Offer is only available to current IBX members, is non-transferable, and cannot be applied to previous membership purchase(s). This Offer cannot be redeemed for cash or combined with any other offers and is subject to cancellation at any time and without notice.

8 IBX members get a $50 discount on the annual Income Driven Repayment Forgiveness (“IDR”) membership with GradFin (“Offer”). The discount will be applied to new annual memberships and will automatically apply at checkout. This Offer is only available to current IBX members, is non-transferable, and cannot be applied to previous membership purchase(s). This Offer cannot be redeemed for cash or combined with other offers and is subject to cancellation at any time and without notice.

GradFin, a brand of KeyBank N.A., is providing student loan products and services to customers of IBX. GradFin does not provide IBX products or services.

Please note that if you refinance qualifying federal student loans, you may no longer be eligible for certain federal benefits or programs and waive your right to future benefits or programs offered on those loans. Examples of benefits or programs you may not receive include, but are not limited to, Public Service Loan Forgiveness, Income-driven Repayment plans, forbearance, or loan forgiveness. Please carefully consider your options when refinancing federal student loans and consult studentaid.gov for the most current information.

GradFin does not review the Income Sensitive Repayment (ISR) option, which may be available to borrowers with Federal Family Education Loans (FFEL). If you have loans under the FFEL Program and are interested in the terms and availability of ISR, you should contact your lender and/or visit studentaid.gov for more information.

All credit products are subject to credit approval.

The Tuition Rewards program is provided by The College Tuition Benefit, an independent company. Neither The College Tuition Benefit nor SAGE Scholars, Inc. provide IBX products or services.

AblePay Health is an independent company. This is a value-added program and not a benefit under IBX and is therefore subject to change without notice. Check your benefits for eligibility.