IBX Medicare Advantage Plans 2025

Choosing the right Medicare Advantage plan for 2025 is about finding the best fit for your health needs and budget. In 2025, IBX Medicare Advantage plans 2025 promise enhanced coverage and value. 

This article outlines the critical updates—from prescription drug costs to expanded wellness programs—and precisely how they may impact you. Without revealing too much upfront, we’ll guide you through the selection process for an IBX Medicare Advantage plan 2025 that aligns with your healthcare priorities.

 

Key Takeaways

  • IBX Medicare Advantage plans for 2025 focus on wellness, offering enhanced benefits such as increased allowances for dental, vision, and hearing, reduced premiums, and zero-dollar copays for primary care visits.

 

  • Members can choose from Keystone 65 HMO for affordable in-network care without needing referrals, or Personal Choice 65 PPO for greater flexibility, allowing access to any doctor or hospital regardless of network status.

 

  • The plans enhance support for overall health through no additional cost benefits for dental, vision, and hearing, comprehensive preventive screenings and services, fitness memberships, telemedicine options, and rewards for healthy habits.

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Embracing Wellness with IBX Medicare Advantage

 

IBX Medicare Advantage Plans 2025 Embracing Wellness with IBX Medicare Advantage

 

Picture a health plan addressing your medical needs while also promoting a healthier lifestyle. That’s exactly what the IBX Medicare Advantage plans offer. With a mission to support a healthy life, IBX has designed comprehensive wellness initiatives that provide the necessary tools for you to manage your health effectively.

The enhanced benefits of the IBX 2025 Medicare Advantage plans, including the Medicare Advantage Plan, are a testament to this commitment. With Medicare supplement plans in mind, the plans include:

  • Increased allowances for dental, vision, and hearing

 

  • Reduced premiums

 

  • Zero-dollar copays for primary care visits

 

  • Preventive services that support ongoing health monitoring and include counseling as well as educational resources.

 

Navigating the Network

The backbone of any health plan lies in its network of healthcare providers and facilities. With IBX Medicare Advantage plans, you can be assured of a comprehensive network, ensuring you have access to a wide range of services. With the convenience of the Online Provider Finder tool, you can quickly locate in-network doctors, hospitals, and healthcare centers.

 

Keystone 65 HMO Explained

The Keystone 65 HMO plan offers:

  • Affordable, in-network care

 

  • No need for referrals or deductibles

 

  • Comprehensive care with an in-network primary care physician (PCP)

 

  • $0 copay for PCP visits

 

Envision stepping into your PCP’s office, free from concerns about the copay. Yes, that’s possible with the Keystone 65 HMO plan.

But the benefits don’t stop there. The plan also provides:

  • $0 copays for tier-one preferred generic drugs, offering significant savings on prescription medications

 

  • $300 annual flex benefit for covered dental, vision, and hearing costs

 

  • $70 quarterly allowance for over-the-counter items

 

  • Free fitness membership to encourage physical wellness

 

  • Coverage for emergency care, even when you’re out of network

 

  • In-network laboratory services, utilizing the labs chosen by your PCP

 

These additional benefits enhance the plan’s value and ensure you have access to necessary services.

 

The Flexibility of Personal Choice 65 PPO

The Personal Choice 65 PPO is the ideal choice for those seeking flexibility. This plan offers the freedom to choose any doctor or hospital, regardless of whether they’re in or out of the network. Plus, prescriptions are made more affordable with a $0 copay for tier-one preferred generic drugs at preferred pharmacies and through mail order.

Members also receive a quarterly allowance to spend on approved over-the-counter items at major retailers and online. Additionally, certain plans include a $300 annual flex benefit to help cover cost-sharing for dental, vision, and hearing services, or for purchases with any licensed professional who accepts the IBX Care Card.

 

Navigating the Network

The backbone of any health plan lies in its network of healthcare providers and facilities. With IBX Medicare Advantage plans, you can be assured of a comprehensive network, ensuring you have access to a wide range of services. With the convenience of the Online Provider Finder tool, you can quickly locate in-network doctors, hospitals, and healthcare centers.

 

Keystone 65 HMO Explained

The Keystone 65 HMO plan offers:

  • Affordable, in-network care

 

  • No need for referrals or deductibles

 

  • Comprehensive care with an in-network primary care physician (PCP)

 

  • $0 copay for PCP visits

 

Envision stepping into your PCP’s office, free from concerns about the copay. Yes, that’s possible with the Keystone 65 HMO plan.

But the benefits don’t stop there. The plan also provides:

  • $0 copays for tier-one preferred generic drugs, offering significant savings on prescription medications

 

  • $300 annual flex benefit for covered dental, vision, and hearing costs

 

  • $70 quarterly allowance for over-the-counter items

 

  • Free fitness membership to encourage physical wellness

 

  • Coverage for emergency care, even when you’re out of network

 

  • In-network laboratory services, utilizing the labs chosen by your PCP

 

These additional benefits enhance the plan’s value and ensure you have access to necessary services.

 

The Flexibility of Personal Choice 65 PPO

The Personal Choice 65 PPO is the ideal choice for those seeking flexibility. This plan offers the freedom to choose any doctor or hospital, regardless of whether they’re in or out of the network.

Plus, prescriptions are made more affordable with a $0 copay for tier-one preferred generic drugs at preferred pharmacies and through mail order.

Members also receive a quarterly allowance to spend on approved over-the-counter items at major retailers and online. Additionally, certain plans include a $300 annual flex benefit to help cover cost-sharing for dental, vision, and hearing services, or for purchases with any licensed professional who accepts the IBX Care Card.

 

Navigating the Network

The backbone of any health plan lies in its network of healthcare providers and facilities. With IBX Medicare Advantage plans, you can be assured of a comprehensive network, ensuring you have access to a wide range of services.

With the convenience of the Online Provider Finder tool, you can quickly locate in-network doctors, hospitals, and healthcare centers.

 

Keystone 65 HMO Explained

The Keystone 65 HMO plan offers:

  • Affordable, in-network care

 

  • No need for referrals or deductibles

 

  • Comprehensive care with an in-network primary care physician (PCP)

 

  • $0 copay for PCP visits

 

Envision stepping into your PCP’s office, free from concerns about the copay. Yes, that’s possible with the Keystone 65 HMO plan.

But the benefits don’t stop there. The plan also provides:

  • $0 copays for tier-one preferred generic drugs, offering significant savings on prescription medications

 

  • $300 annual flex benefit for covered dental, vision, and hearing costs

 

  • $70 quarterly allowance for over-the-counter items

 

  • Free fitness membership to encourage physical wellness

 

  • Coverage for emergency care, even when you’re out of network

 

  • In-network laboratory services, utilizing the labs chosen by your PCP

 

These additional benefits enhance the plan’s value and ensure you have access to necessary services.

 

The Flexibility of Personal Choice 65 PPO

The Personal Choice 65 PPO is the ideal choice for those seeking flexibility. This plan offers the freedom to choose any doctor or hospital, regardless of whether they’re in or out of the network.

Plus, prescriptions are made more affordable with a $0 copay for tier-one preferred generic drugs at preferred pharmacies and through mail order.

Members also receive a quarterly allowance to spend on approved over-the-counter items at major retailers and online. Additionally, certain plans include a $300 annual flex benefit to help cover cost-sharing for dental, vision, and hearing services, or for purchases with any licensed professional who accepts the IBX Care Card.

Enhanced Dental, Vision, and Hearing Benefits

 

IBX Medicare Advantage Plans 2025 Enhanced Dental, Vision, and Hearing Benefits

 

What sets the IBX Medicare Advantage plans apart is the inclusion of dental, vision, and hearing benefits at no additional premium. These benefits play a key role in supporting overall health, aiding in early detection and management of health problems, preventing falls, and reducing social isolation and dementia risks.

Dental benefits include a year zero dollar copay for routine exams and cleanings every six months, a dental allowance for additional services, and the Adult Dental Premier plan providing coverage that doesn’t reduce the annual maximum for preventive services.

Routine vision benefits cover exams with a zero-dollar copay, frame allowances, and bonus allowances at Visionworks locations, all accessible through the national Davis Vision network. Hearing benefits consist of a $0 copay for hearing exams and include coverage for hearing aids, emphasizing the commitment to hearing health.

The DVH flex benefit includes an annual allowance for services and supplies, such as unlimited hearing aid fitting, and members can find out more in the 2025 Evidence of Coverage or the dental/vision/hearing guides provided by Keystone 65 HMO and Personal Choice PPO.

 

Selecting a Primary Care Physician

The selection of a primary care physician is a crucial component in the management of your overall healthcare. Your PCP serves as the first point of contact for your healthcare needs and coordinates your overall care.

For Keystone 65 HMO members, choosing an in-network PCP comes with a $0 copay and eliminates the need for referrals to see specialists. While not required, Personal Choice 65 PPO members can also choose a PCP to facilitate better coordination of care, with the added flexibility of not needing referrals for specialists.

You can select your primary care physician online through ibx.com or seek help in the process by contacting the IBX Member Help Team. Choosing an in-network PCP results in lower costs as compared to selecting an out-of-network provider for Personal Choice 65 PPO members.

The Primary Care Journey flyer provides educational material to guide members on beginning their care journey with their chosen primary care physician.

 

At-Home Health Care Options

IBX offers two groundbreaking healthcare options: home-based primary care and telemedicine. Home-based primary care is an integral part of the health care options available to IBX plan members. Furthermore, IBX has partnered with ComplexCare Solutions to facilitate personal health visits at home while safeguarding members’ health information.

For non-emergency conditions, IBX offers telemedicine services, providing easy access to healthcare services at your convenience through an on-demand virtual webinar.

 

Patina’s Comprehensive Care

Patina’s primary care services, designed specifically for seniors, provide comprehensive care at their location, with no additional charges beyond the standard primary care copay.

Included in Patina’s care is a detailed personal health visit, which encompasses a physical exam, a review of the member’s health history, and a discussion of any present health concerns, ensuring the results are communicated with the member’s regular physician.

Patina provides an additional support layer by potentially referring members to Independence Social Workers, which helps them engage with necessary community resources and supports their health maintenance as well as their independent family needs.

 

Telemedicine Innovations

With Teladoc Health’s telemedicine services, you have around-the-clock access to care for non-emergency medical, mental health, and dermatology conditions.

IBX plan members have the convenience of consulting with a doctor anytime and anywhere thanks to the 24/7 telemedicine services offered by Teladoc Health. These consultations can be accessed through a variety of devices, enabling care at home or while traveling via computer, tablet, or smartphone.

The telemedicine partnership with Teladoc Health brings personalized medical advice and encompasses non-emergent medical, mental health, and dermatology care, delivered by independent contractors. Emotional wellness is also prioritized for IBX plan members through the tele-behavioral health benefit, ensuring easy access to emotional care services.

IBX telemedicine services cater to a diverse population by offering virtual visits in several languages, inclusive of American Sign Language, to better accommodate the needs of all members.

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Preventive Screenings Coverage

 

IBX Medicare Advantage Plans 2025 Preventive Screenings Coverage

 

Health management heavily relies on preventive screenings and services. The IBX Medicare Advantage plans cover many preventive services and screenings at no cost, including:

  • Exams

 

  • Shots

 

  • Lab tests

 

  • Screenings to detect health problems early and prevent diseases

 

These preventive care services can help individuals avoid developing health problems and prevent minor health issues from becoming serious conditions like diabetes and colon cancer.

It’s important to note that if a service is not considered preventive or an individual does not meet the coverage guidelines, costs such as copays, coinsurance, or deductibles may be incurred. However, members of Independence plans can earn up to $300 for completing certain health activities, such as:

  • annual check-ups

 

  • flu shots

 

  • eligible preventive health screenings

 

  • registering for health apps

 

  • attending nutrition counseling

 

  • receiving in-network dental exams or tooth cleanings.

 

Maximizing Savings with the IBX Care Card

 

IBX Medicare Advantage Plans 2025 Maximizing Savings with the IBX Care Card

 

The IBX Care Card is a new feature for 2025, offering convenient access to over-the-counter benefits and dental, vision, and hearing flex benefits. Selected IBX Medicare Advantage plans offer a $300 annual flex benefit that can be used for cost-sharing on covered dental, vision, and hearing services or supplies, from any licensed professional who accepts the IBX Care Card.

Members of Keystone 65 HMO and Personal Choice 65 PPO plans receive a quarterly allowance on their IBX Care Card for approved over-the-counter health and wellness items, which can be used at participating retailers and online.

Before you can start reaping the benefits, the IBX Care Card must be activated at OTCNetwork.com or via phone. The card can be used to purchase over-the-counter items without needing a pin at checkout. Additionally, enhanced online features to manage the card and its transaction history are available, and security is ensured by not printing names on the card.

 

Stay Active with a No-Cost Fitness Membership

 

IBX Medicare Advantage Plans 2025 Stay Active with a No-Cost Fitness Membership

 

Maintaining physical fitness is an essential component of overall health and wellness. That’s why the IBX Medicare Advantage plans in 2025 provide the One Pass fitness membership, managed by Rally Health, Inc.

This includes comprehensive fitness solutions previously offered by SilverSneakers and more. One Pass members enjoy no-cost access to a network that comprises over 24,000 locations, including:

  • YMCAs

 

  • Gyms

 

  • Boutique studios

 

  • Yoga facilities

 

  • Pilates facilities

 

These locations are available within the five-county service area in southeastern Pennsylvania and across the country.

Additional benefits of One Pass include:

  • Over 32,000 on-demand and live-streaming fitness classes

 

  • Access to 20,000 social events and classes for maintaining an active lifestyle

 

  • The option for members to receive a home fitness kit or bring a caregiver for assistance at the gym

 

Eligible IBX Medicare Advantage members can register for One Pass online, by phone, or in person at any participating location starting January 1st of the benefit year, using a unique member code.

Incentivizing Health with Personal Visits

IBX offers personal health visits at no extra cost to members, serving as an innovative approach to enhance overall health. These visits are conducted by ComplexCare Solutions and can take place in person or virtually.

Each personal health visit typically lasts between 45 minutes to one hour and is designed to support members’ health. However, these visits are not meant to replace regular appointments with primary care physicians.

Participation in IBX’s health visit program is not mandatory, allowing members to engage with the service at their discretion. Upon completing a personal health visit, IBX rewards members with a $50 retail gift card as an incentive.

 

Earn Rewards for Healthy Habits

While health is indeed its own reward, IBX Medicare Advantage plans to add some additional perks. Members are invited to join the Health Rewards Program, which offers incentives for engaging in wellness activities such as:

  • No-cost annual wellness visits

 

  • PCP check-up

 

  • Receiving a flu shot

 

  • Being digitally engaged

 

  • Filling out a Well-being Profile

 

Members can earn rewards by completing six activities during their plan year.

Members are encouraged to stay active in their health with opportunities to redeem gift cards from favorite retailers by participating in health-promoting activities.

Apart from wellness incentives, members enjoy exclusive member savings and discounts on health-related products and services, entertainment, and events from partners like Peloton, Walt Disney World, and Rocket Mortgage. It’s important to keep in mind, however, that the Health Rewards Program is subject to annual updates, with a new program launching midyear.

 

Keeping Informed with Update Magazine

Update magazine, a health and wellness-focused publication, is delivered to IBX members three times a year. The magazine includes a variety of content such as health tips, updates on Medicare, and wellness advice specifically tailored to seniors.

Moreover, you can find nutritious and easy-to-prepare recipes within the Update magazine, catering to your dietary needs. This magazine serves as an educational tool that keeps members informed about health topics, providing them with valuable knowledge to manage their well-being.

Support from Health Professionals

Access to Registered Nurse Health Coaches is a distinguishing feature of the IBX Medicare Advantage plans. Members have 24/7/365 access to speak with these professionals for support in:

  • setting, achieving, and maintaining health goals

 

  • receiving education regarding their diagnoses

 

  • learning self-care skills

 

  • making lifestyle choices to actively manage their health and reduce risks

 

Registered Nurse Health Coaches provide valuable assistance to members in managing their health.

Health Coaches also prepare members for discussions during their doctors’ visits and equip them with evidence-based information for making important health decisions. For everyday health concerns, IBX members can utilize the accessibility of these services by calling 1-800-ASK-BLUE to speak with a Health Coach.

 

Lifelong Learning with One Day University

IBX Medicare Advantage plans to champion the principle of lifelong learning. They provide members with free, unlimited access to educational classes through One Day University. With a wide range of topics available, One Day University classes cater to the varied interests of IBX members and can be accessed virtually for added convenience.

IBX members can access these educational opportunities by creating a free account on onedayu.com/ibx. One Day University is part of Independence’s comprehensive approach to health benefits, addressing physical, mental, social, and financial health aspects.

 

Transportation Assistance for Medical Appointments

Access to healthcare should not be hindered by transportation issues. That’s why eligible members of IBX Medicare Advantage Plans receive 24 one-way or 12 round-trip rides to approved non-emergency medical facilities within an 80-mile radius per year at no additional cost.

Roundtrip transportation services include a range of ride options like rideshare, taxis, medical sedans, or wheelchair-accessible vans to accommodate various member mobility needs.

Members can reserve their transportation by:

  • Contacting the Independence Transportation Line two days in advance

 

  • Representative assistance is available 24/7

 

  • Receive ride notifications such as reminders and driver details.

 

A family member or friend of the member can schedule rides on their behalf with an authorized Appointment of Representative form on file.

Grocery Benefits for Special Conditions

IBX acknowledges the crucial role that proper nutrition plays in managing health conditions. Eligible IBX members with diabetes and depressive disorders can receive the following benefits:

  • Four weeks of grocery deliveries at no cost, limited to once per member per benefit year

 

  • The grocery deliveries contain fresh, local produce and food

 

  • A tailored recipe guide to assist members in making healthy meals

 

Members can contact the Member Help Team to confirm their eligibility for the grocery benefits.

 

Extensive Traveler Coverage

Personal Choice 65 members can take advantage of the following benefits provided by Independence Blue Cross:

  • Extended stays up to 12 months within the shared service area of Blue Cross/Blue Shield, catering to visitors and travelers. This allows for greater flexibility in their choice of locations for longer stays.

 

  • The traveler network extends to 48 states and Puerto Rico, providing Personal Choice 65 members with access to the largest choice of doctors and hospitals.

 

  • Members using the visitor/traveler benefit can enjoy the same cost-sharing amounts as they would if they received services from in-network providers at home.

 

The availability of the IBX Medicare Advantage traveler network in certain states and territories is subject to change, with current participating territories including Puerto Rico and the District of Columbia, except Alaska and Wyoming.

 

Summary

The IBX Medicare Advantage plans offer a comprehensive approach to healthcare, with a focus on preventive services, wellness initiatives, and enhanced benefits. With a wide network of providers, flexibility in choosing doctors, and home-based primary care, these plans are designed to cater to individual healthcare needs.

Additional benefits such as dental, vision, and hearing coverage, a no-cost fitness membership, and support from Registered Nurse Health Coaches further enhance the value of these plans. With the various benefits and resources available, IBX Medicare Advantage plans are committed to empowering members to lead a healthier lifestyle.


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Frequently Asked Questions

 

Is Medicare premiums going down in 2025?

No, Medicare premiums are going up in 2025. They typically get released later in the year.

 

What changes are coming to Medicare Advantage in 2023?

In 2023, changes to Medicare Advantage include the elimination of cost-sharing requirements for adult vaccines recommended by the CDC’s Advisory Committee on Immunization Practices and a decrease in deductibles for Medicare Advantage and Part D plans. These changes aim to improve access and affordability for Medicare beneficiaries.

 

Who is the largest provider of Medicare Advantage plans?

The largest provider of Medicare Advantage plans is UnitedHealth Group, with 7.6 million people in its plans as of 2023.

 

What are 4 types of Medicare Advantage plans?

The four types of Medicare Advantage plans are Health Maintenance Organization (HMO) Plan, Preferred Provider Organization (PPO) Plan, Private Fee-for-Service (PFFS) Plan, and Special Needs Plan (SNP). These are the most common types of MA plans available.

 

What are some of the preventive services covered by IBX Medicare Advantage plans?

IBX Medicare Advantage plans in 2025 cover a wide range of preventive services and screenings at no cost, such as exams, shots, lab tests, and screenings to detect health problems early and prevent diseases. These services are aimed at promoting proactive healthcare and wellness.

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