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Pennsylvania Medicare plans

Independence Blue Cross (IBX) offers several Medicare plans in Pennsylvania. It’s easy to find the one that works for you. To enroll in a Medicare Advantage plan or a Medicare Supplement plan, please select a method below.

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PA Medicare Advantage plans

IBX Pennsylvania Medicare Advantage plans include all the benefits of Medicare Parts A and B plans — plus valuable extras like vision, dental, and hearing coverage.  Learn all about our Keystone 65 HMO and Personal Choice 65SM PPO Medicare Advantage plans. You can also view the Multi-Language Insert, Summary of Benefits, Star Ratings, enrollment instructions, and download or print an enrollment form.

PA Medicare Supplement Plans

Also called Medigap plans, Medicare Supplement plans cover most of the out-of-pocket costs Original Medicare doesn't pay for, including copayments, coinsurance, deductibles, and more. You may view additional details about MedigapFreedom, the Outline of Coverage, and download or print an enrollment form, visit MedigapFreedom plans.

No premium payment is required at the time you apply. Once your application has been processed, we will notify you of your effective date and we'll send your MedigapFreedom identification card, subscription agreement, and other important information.

To further understand the differences between Medicare Advantage and Medicare Supplement plans, check out Medicare Advantage vs. Medicare Supplement (Medigap) health plans.

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Enroll by mail

Medicare Advantage plans

You can enroll in either our Keystone 65 HMO or Personal Choice 65 PPO Medicare Advantage plans by reviewing the enrollment instructions and downloading and completing the application below.

2024 Keystone 65 HMO

2025 Keystone 65 HMO

2024 Personal Choice 65 PPO

2025 Personal Choice 65 PPO

Medicare Supplement plans

You can enroll in our MedigapFreedom Medicare Supplement plan by reviewing the enrollment instructions and downloading and completing the application below.

Mailing address

When you have completed the appropriate application, sign it and mail to:
Independence Blue Cross
Medicare Department
P.O. Box 13713
Philadelphia, PA 19101-3713


Enroll by phone

Call toll-free 1-877-393-6733 (TTY/TDD: 711), 8 a.m. to 8 p.m., seven days a week. Please note that on weekends and holidays from April 1 through September 30, your call may be sent to voicemail.


Find your local sales agent

Have questions? Need assistance enrolling? Visit our Contact Your Local Sales Agent page to find your local IBX Medicare sales representative.


Medicare Star Ratings — updated 7/2/2024

Our Keystone 65 HMO plans were rated 4.5 out of 5 stars, and our Personal Choice 65 PPO plans were rated 4 out of 5 stars for 2025.

The Medicare Program rates all health and prescription drug plans each year, based on a plan's quality and performance. Medicare Star Ratings help you know how good a job our plan is doing. You can use these Star Ratings to compare our plan's performance to other plans.

2025 Keystone 65 HMO Star Ratings

2025 Personal Choice 65 PPO Star Ratings


Summary of Benefits

2025 Summary of Benefits — updated 10/1/2024

2024 Summary of Benefits — updated 10/1/2023

Call us at 1-877-393-6733 (711 for the speech- and hearing-impaired), 8 a.m. to 8 p.m., seven days a week. However, please note that on weekends and holidays from April 1 through September 30, your call may be sent to voicemail.

Extra Help is available for those who need it most. Find out whether you qualify for Low Income Subsidy.

Looking for more information about our plans?

Compare our plans, request a free information packet or sign up for a free webinar to find the one that best meets your needs.

Shop & Enroll Request an information kit Register for a free webinar

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Website last updated: 11/12/2024