Navigation Links
Graduates Needing Health Insurance Have Cost-Effective Options
Date:6/30/2009

Independence Blue Cross Individual HMO plans offer lower premiums, greater peace of mind

PHILADELPHIA, June 30 /PRNewswire/ -- College graduates across the region are finding themselves in a serious predicament: less than 20 percent of those 2009 grads who applied for jobs have received employment offers, according to the National Association of Colleges and Employers. And, no job can mean no health insurance.

As a result, many recent grads are facing the "I am uninsured" reality. And, that's not necessary, says Scott Post, vice president of marketing administration at Independence Blue Cross (IBC). Adults and parents of young adults can have the peace of mind that health coverage brings. Independence Blue Cross offers a solution: individual Keystone Health Plan East options in six medically underwritten HMO plans. Three of these plans have high-deductibles, which help keep monthly premiums low -- as low as $76, or about the daily cost of a latte at the corner coffee shop.

"In Pennsylvania, 1.2 million or close to 10 percent of our population is uninsured, according to the U.S. Census Bureau. We are pleased to offer affordable health plans to help people find the security that goes with being insured -- for those individuals who might otherwise worry every day about what will happen if they need health care," said Post. "We expect these new insurance plans, now available with low-cost preventive care services, will empower people to take better care of themselves, and offer the education and tools they need to be wise and informed health care consumers."

IBC's individual HMO plans are designed to keep monthly premiums affordable and offer preventive health visits with reasonable copays that are not subject to the deductible, which is $1,500 to $5,000. The deductible is applied to services like hospitalization and surgery. Once the member has paid the amount of the deductible, then the policy provides coverage.

These individual HMO plans offer many of the same features that employer-sponsored HMO plans offer. For example, IBC's individual HMO plans include access to urgent care anywhere in the world, routine eye exams and prescription benefits, including money-saving mail order options for 90-day supplies. They also offer the convenience of no claims forms, disease management, and decision support. The member's primary care physician, as with all of IBC's HMO plans, coordinates patient care. Also included are the popular Healthy Lifestyles(SM) programs such as cash reimbursements for fitness clubs, smoking cessation, weight management, and other rewards.

Offered through Keystone Health Plan East, Inc., a subsidiary of IBC, these individual HMO plans may also be ideal for sole proprietors, early retirees, and other individuals not covered by a group plan. IBC recently developed a website to help individuals explore which health insurance options may be most appropriate for them: www.ibx4you.com.

A December 2008 survey conducted by DSS Research shows that nine out of 10 individual Keystone Health Plan East HMO members would recommend their plan to a friend, indicating a high level of member confidence and satisfaction.

Later this year, insurers such as IBC will offer an option for group customers to extend dependent coverage so that parents can cover their adult children up through age 29, under parents' group health plans (those plans sponsored by employers and health and welfare funds.) This new option is provided in Act 4 of the recently passed Senate Bill 189, which allows employers to choose to offer adult dependent coverage through their group plans that are renewed or contracted after December 7, 2009. Adult dependents must meet certain eligibility requirements. Parents and their adult children will want to compare costs of this option against individual plan offerings.

Independence Blue Cross

Independence Blue Cross is a leading health insurer in southeastern Pennsylvania. Nationwide, Independence Blue Cross and its affiliates provide coverage to nearly 3.4 million people. For more than 70 years, Independence Blue Cross has offered high-quality health care coverage tailored to meet the changing needs of members, employers, and health care professionals. Independence Blue Cross is an independent licensee of the Blue Cross Blue Shield Association, an association of independent Blue Cross and Blue Shield Plans. For more information, visit us at www.ibx.com.


'/>"/>
SOURCE Independence Blue Cross
Copyright©2009 PR Newswire.
All rights reserved

Related medicine news :

1. S.C. BlueCross Makes Coverage Available for Thousands of South Carolina Graduates Lacking Health Insurance
2. Thousands of Pennsylvania Graduates Need Health Insurance Options
3. Partners in Policymaking Graduates New Generation of Disability Leaders
4. The Final Exam: Graduates Test Tough Job Markets, Join Growing Pool of Uninsured
5. The Ensign Group Successfully Graduates Third Nursing Home From CMS Special Focus Program
6. Healthcare Liaison Graduates Nations First Credentialed Private Healthcare Advocates - Graduates are Pioneers in Emerging Profession
7. Local Chiropractic Doctor Graduates from Elite Whiplash Trauma Training Program Led by International Scientific Authority, Dr. Arthur Croft
8. The Ensign Group Successfully Graduates Second Nursing Home From CMS Special Focus Program
9. First Two Non African-American Graduates of Meharry Medical College to Receive Awards at 2008 Fall Convocation
10. Graduates Forced to Join Millions of Uninsured Americans
11. Vendormate Graduates ATDC Technology Incubator Program
Post Your Comments:
*Name:
*Comment:
*Email:
(Date:6/25/2016)... (PRWEB) , ... June 25, 2016 , ... Conventional wisdom ... of success. In terms of the latter, setting the bar too high can result ... more than just slow progress toward their goal. , Research from PsychTests.com ...
(Date:6/24/2016)... ... 24, 2016 , ... June 19, 2016 is World Sickle Cell Observance Day. ... the benefits of holistic treatments, Serenity Recovery Center of Marne, Michigan, has ... , Sickle Cell Disease (SCD) is a disorder of the red blood cells, which ...
(Date:6/24/2016)... ... ... Global law firm Greenberg Traurig, P.A. announced that 20 Florida attorneys are ... for this recognition are considered among the top 2 percent of lawyers practicing within ... of this year’s Legal Elite Hall of Fame: Miami Shareholders Mark D. Bloom, ...
(Date:6/24/2016)... , ... June 24, 2016 , ... Topical BioMedics, Inc, makers of Topricin and MyPainAway ... call for a minimum wage raise to $12 an hour by 2020 and then adjusting ... restore the lost value of the minimum wage, assure the wage floor does not erode ...
(Date:6/24/2016)... NY (PRWEB) , ... June 24, 2016 , ... ... Haute Living, is proud to recognize Dr. Barry M. Weintraub as a prominent ... “the most beautiful women in the world, and the most handsome men, look ...
Breaking Medicine News(10 mins):
(Date:6/24/2016)... , June 24, 2016 ... the "Structural Electronics 2015-2025: Applications, Technologies, Forecasts" ... In-Mold Electronics, Smart Skin, Structural ... Structural electronics involves electronic and/or ... protective structures, replacing dumb structures such as vehicle ...
(Date:6/24/2016)... 2016 Research and Markets has announced ... Diagnostic Tests" report to their offering. ... The World Market for Companion Diagnostics covers ... Market analysis in the report includes the following: ... Diagnostic Kits) by Region (N. America, EU, ROW), 2015-2020 ...
(Date:6/24/2016)... , June 24, 2016  Arkis BioSciences, ... less invasive and more durable cerebrospinal fluid treatments, ... funding.  The Series-A funding is led by Innova ... Fund, and other private investors.  Arkis, new financing ... instrumentation and the market release of its in-licensed ...
Breaking Medicine Technology: