The links provided below will allow you to review and print the Individual/Family plans offered by Independence Blue Cross.

	IBC Individual PPO Benefit Summaries current 6-2010.pdf
	IBC Individual PPO Rates effective 7-1-2010.pdf
	IBC Individual Enrollment Application current 6-2010.pdf

All paperwork must be received by Savoy Associates 15 days prior to the requested effective date at the following address:

The link provided below is the Individual broker tool kit. This will provide more information and details on Individual/Family plans offered by Independence Blue Cross.

http://www.ibx.com/broker_individual/index.html

As a medically underwritten product, acceptance and rates are based upon each applicant's health status; this means that coverage is not guaranteed and some applications may not be approved based on pre-existing medical conditions. There is no automatic transfer from any existing Keystone, Personal Choice, or other Independence Blue Cross plan into the individual medically underwritten plans.

In addition, the HMO plans are subject to a pre-existing condition exclusion. Coverage for any pre-existing condition, illness, or injury for which medical advice or treatment was recommended or received within the 90-day period that precedes the effective date of coverage is excluded for the first 12 months of enrollment.

There is no credit for prior creditable coverage under Independence Blue Cross' pre-existing exclusion provision. Certificates of Creditable Coverage from a group plan are not applicable for these products. Even if an applicant has been continuously insured under another plan prior to applying with Independence Blue Cross, the pre-existing exclusion provision will still apply to any approved application.

If you need additional assistance, contact Colin Scheifler at (800)237-4009 ext. 123 or via email at colinscheifler@savoyassociates.com.