Independence Blue Cross vs Capital Blue Cross-2023

Independence Blue Cross vs Capital Blue Cross

Independence Blue Cross is a health insurance provider situated in Philadelphia, Pennsylvania, USA. Founded in 1938, the Independence Blue Cross is the largest health insurance provider in the Philadelphia area. It serves over 2 million people across the region and about 7 million nationwide. The company offers various health plans, managed care, and traditional indemnity insurance.

Capital Blue Cross has served Central Pennsylvania and the Lehigh Valley residents for over 80 years. Founded in 1937, the Capital Blue Cross headquarter is situated in Harrisburg, Pennsylvania, United States. They offer health insurance products, services, and technology solutions to provide peace of mind to customers. Moreover, promote health and wellness for their members. Capital Blue Cross was awarded Best Places to Work in Pennsylvania in 2018, 2019, and 2020.

Independence Blue Cross

Independence Blue Cross offers a wide range of health insurance plans for the residents of Pennsylvania and some other parts of the nation. Their health insurance is designed to minimize the members’ medical expenses in times of emergency. IBC offers the following health insurance plans:

Individual and Family health plans

Independence Blue Cross offers health insurance plans designed to protect its members and their family from the high expenses of medical services. You pay a certain rate or premium to get discounts on doctor visits and hospital services.

You can choose the Affordable Care Act plan with Gold, Silver, Bronze, and Catastrophic categories. Now, check the below chart for learn more about their package:

Monthly premium$$$$$$$$$$
Cost when you receive care$$$$$$$$$$
Good option if you…Numerous health care servicesNeed to balance your monthly premium with your out-of-pocket costsDon’t use a lot of health care servicesMeet the requirements and need “just-in-case coverage”


Besides these, Independence Blue Cross also offers five main types of plans –

  • HMO
  • PPO
  • EPO
  • HMO Proactive
  • EPO Reserve

The following chart will help you understand the differences between the health plans:

HMOHMO ProactivePPOEPOEPO Reserve with an HSA
In-network coverageXXXXX
Out-of-network coverageX
National access with the BlueCard® networkXXX
Requires selection of a primary care physicianXX
No referrals are needed for specialistsXXX
Includes a tiered network so you can choose when to save on careX


Moreover, Independent Blue Cross offers the following plans for individuals and families –

  • Health Savings Account (HAS)
  • Children’s Health Insurance Program (CHIP)
  • Low-Income plans
  • Dental and Vision plans
  • International Health plans
  • LifeSecure plans

Employer health plans

Independence Blue Cross provides coverage for large and small group businesses nationwide. They offer medical, dental, vision, pharmacy benefits, Medicare Supplemental, and Medicare Advantage products.

Small Business

For small businesses, Independence Blue Cross offers the Blue Solutions® health plans. These plans are available at lower costs and provide high-quality services. The plans include –

  • Personal Choice® PPO plans
  • Personal Choice® EPO plans
  • Keystone Direct POS plans
  • Keystone HMO plans
  • Keystone HMO Proactive plans
  • High-deductible health plans (HDHPs)
  • Pharmacy benefits
  • Vision benefits
  • Dental benefits

They also offer to spend accounts plans for small businesses with their BlueSaverSM plan. This includes:

  • Health Savings Account (HSA)
  • Health Reimbursement Account (HRA)

Large Business

Independence Blue Cross offers the following plans for large business employers:

  • Keystone HMO plans
  • Keystone POS and Direct POS plans
  • Personal Choice® PPO plans
  • High-deductible health plans (HDHPs)
  • Choice advantage plans
  • Personal Choice PPO tiered network plans
  • Group Medicare plans

Besides these, IBC also offers the following plans:

  • Pharmacy benefits
  • Dental benefits
  • Vision benefits
  • Stop loss
  • Spending accounts (HSA, HRA, FSA)
  • Labor benefits
  • Educational institutions benefits

Medicare Plans

Independence Blue Cross offers Medicare plans to its members at an affordable cost. These plans include Medicare Advantage (with or without Part D) and Medicare Supplement plans.

Medicare Advantage

Independence Blue Cross offers the following affordable Medicare Advantage health plans:

  • Personal Choice 65SM PPO
  • Keystone 65 HMO plans

Medicare Supplement

IBC offers Medicare Supplement or Medigap plans in Philadelphia, Bucks, Chester, Delaware, and Montgomery Counties. Their MedigapFreedom plans combine the benefits of Original Medicare and the features of a Fee-for-Service health plan.

Capital Blue Cross

Capital Blue Cross offers a wide array of health plans for its customers. These include health plans for individuals and families, employers, Medicare, children, etc.

Individual and Family plans

Capital Blue Cross offers health plans based on tiers for individuals and their families. These are:

Gold plans

  • Gold Simple PPO 0/0/25
  • Gold PPOP Choice 2000/0/30
  • Gold Valley Advantage EPO 2150/10/20
  • Gold PPO 2150/10/20

Silver plans

  • Silver PPO Choice 3950/20/35
  • Silver PPO Choice 4000/20/35
  • Silver Valley Advantage EPO 5950/20/40
  • Silver Valley Advantage EPO 6000/20/40
  • Silver PPO 5950/20/40
  • Silver PPO 6000/20/40

Bronze plans

  • Bronze PPO Choice 7100/0/50
  • Bronze Valley Advantage EPO 8000/0/50
  • Bronze HMO 8000/0/75

Catastrophic plans

  • Catastrophic PPO 8550/0/75
  • Catastrophic HMO 8550/0/75

Moreover, Capital Blue Cross also offers dental and vision plans for their customers.

Medicare plans

Capital Blue Cross offers Medicare plans for people 65 years old and above. They provide both HMO and PPO plans at an affordable price range. These include –

  • BlueJourney HMO
  • BlueJourney HMO

Insurance for Kids

Capital Blue Cross offers affordable insurance plans for your children through their CHIP program. If your child is under the age of 19 and lawfully a resident of Pennsylvania, then they can qualify for the CHIP program. The income limits and eligibility is –

  • free coverage if you earn up to $54,496
  • low-cost coverage if you earn up to $68,644
  • full-cost coverage if you earn more than $82,268

Employer plans

Capital Blue Cross offers plans for employers of both small and large-scale businesses. These plans include the following –

1-50 employees

CBC offers the following plans for employers of small businesses:

PPO Choice

PPO Choice




Valley Advantage EPO



51-99 employees

Capital Blue Cross offers the following plans for medium-sized businesses:


PPO Choice

Performance PPO



Capital Advantage EPO

Valley Advantage EPO




100+ employees

Capital Blue Cross offers the following plans for large businesses:


PPO Choice

Performance PPO




Capital Advantage EPO

Valley Advantage EPO



Besides these plans, Capital Blue Cross also offers –

  • Trip protection
  • Coverage across the globe
  • Hearing discounts
  • Medicare supplement
  • Extended medical coverage

Independence Blue Cross and Capital Blue Cross are operated by the Blue Cross Blue Shield Association of the United States. They offer huge benefits at an affordable price with high-quality healthcare services. For more information about their plans, visit their website at and

Frequently Asked Questions

Who are the subsidiaries and affiliates of Independence Blue Cross?

Independence Blue Cross offers specialized services and managed care through its subsidiaries and affiliates. These are –

  • QCC Insurance Company
  • Keystone Health Plan East
  • Independence Administrators
  • AmeriHealth
  • AmeriHealth Administrators
  • AmeriHealth Casualty
  • AmeriHealth Caritas
  • CompServices, Inc.
  • NaviNet, Inc.

What counties does Capital Blue Cross cover?

Capital Blue Cross offers health care services in the following counties –

  • Adams
  • Berks
  • Centre
  • Columbia
  • Cumberland
  • Dauphin
  • Franklin
  • Fulton
  • Juniata
  • Lancaster
  • Lebanon
  • Lehigh
  • Mifflin
  • Montour
  • Northampton
  • Northumberland
  • Perry
  • Schuylkill
  • Snyder
  • Union
  • York


 You May Also Like:

Leave a Comment

Scroll to Top