Medicare Advantage
Independence Blue Cross 2027 Medicare Advantage plans in Philadelphia: one new, one gone
PHILADELPHIA — Fall 2026. Independence Blue Cross will offer 12 Medicare Advantage plans in Philadelphia County for 2027, with one plan new to the lineup and one plan from 2026 not coming back, according to CMS Medicare Advantage Landscape files. If you are already enrolled with the carrier, your Annual Notice of Change (ANOC) spells out what is shifting in your specific plan for January 1, 2027. If you want to switch, add drug coverage, or move to or from this carrier, the window is October 15 through December 7, 2026.
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Key takeaways
- Independence Blue Cross is offering 12 Medicare Advantage plans in Philadelphia County for 2027: 7 HMOs, 2 HMO-POS plans, and 3 PPOs, all with drug coverage included.
- One plan is new for 2027 (Keystone 65 Assured Rx) and one 2026 plan is not returning; your ANOC will show any changes to a plan you already have.
- Independence Blue Cross is one of 17 carriers offering Medicare Advantage in Philadelphia County next year; across all carriers there are 98 plans.
- To change plans for 2027 coverage, act between October 15 and December 7, 2026; doing nothing means your current plan renews if it is still offered.
MyMedicarePlans.org is an independent consumer site. We are not Independence Blue Cross and we are not Medicare. This article walks through what the carrier is offering locally so you can go into Medicare Plan Finder with a shorter list to compare.
What Independence Blue Cross is offering in Philadelphia County for 2027
Philadelphia is in Philadelphia County, and Medicare Advantage availability is set at the county level. For 2027, Independence Blue Cross's local lineup breaks down this way:
- 7 HMO plans
- 2 HMO-POS plans
- 3 PPO plans
- 12 of 12 include Part D prescription drug coverage
- 0 Special Needs Plans (no D-SNP, C-SNP, or I-SNP) from this carrier in the county
The table below lists every Independence Blue Cross plan available in Philadelphia County for 2027 by name and type. We are not attaching premiums, copays, benefits, networks, or ratings to any plan — those details live in each plan's Summary of Benefits and Evidence of Coverage, and in Medicare Plan Finder.
What is new, and what is not returning
For 2027, Independence Blue Cross is adding Keystone 65 Assured Rx (HMO) to its Philadelphia County lineup. One plan offered in 2026 is not returning for 2027.
If you are in the plan that is going away, Independence Blue Cross is required to send you a non-renewal notice explaining your options, including a Special Enrollment Period that gives you extra time to pick a new plan. If your plan is continuing, read the Annual Notice of Change that arrived (or will arrive) by late September — that is where any shifts in cost sharing, drug tiers, or extra benefits are listed.
Plan types in plain language
All 12 plans this carrier offers in the county include drug coverage, but they are not all the same plan type:
- HMO plans generally ask you to use the plan's network and pick a primary care doctor; referrals may be required.
- HMO-POS plans are HMOs with a "point-of-service" option that lets you go out of network for certain services, usually at a higher cost.
- PPO plans let you see out-of-network providers who accept the plan, usually at a higher share of cost.
Which style fits best depends on your doctors, the hospitals you prefer, and how often you travel. The plan type is listed next to each plan name in the table.
How to check a plan against your doctors and prescriptions before December 7
Before you commit to a plan for 2027, do these three checks:
1. Look up your doctors and hospitals. On medicare.gov's Plan Finder, each plan links to its provider directory. You can also call Independence Blue Cross directly from the number on your mail or the plan's website and ask whether a specific provider is in-network for the exact plan you are considering. Networks can differ between an HMO and a PPO sold by the same carrier. 2. Enter every prescription you take. Medicare Plan Finder lets you type in your drugs, doses, and preferred pharmacy. It will show which plans cover each drug, what tier it is on, and any restrictions like prior authorization or step therapy. A drug that was covered in 2026 may sit on a different tier in 2027. 3. Check your pharmacy. Preferred pharmacies and mail-order options vary by plan. If you use a specific neighborhood pharmacy in Philadelphia, confirm it is in the plan's preferred network for 2027.
Also worth knowing for 2027: the Part D out-of-pocket cap rises to $2,400 (up from $2,100 in 2026), and the Part D maximum deductible is $700 (up from $615 in 2026). CMS has not yet published the 2027 Part B standard premium, Part B deductible, or IRMAA brackets; those usually come out later in the fall.
Other carriers in the county
Independence Blue Cross is not the only option in Philadelphia County. For 2027, there are 17 carriers offering Medicare Advantage plans here, with 98 plans in total across all carriers. If you want to compare across companies, Medicare Plan Finder at medicare.gov is the one place that shows every plan side by side.
Key dates
- October 15, 2026 — Annual Enrollment Period opens.
- December 7, 2026 — Last day to pick a plan that starts January 1, 2027.
- January 1 – March 31, 2027 — Medicare Advantage Open Enrollment Period, when people already in a Medicare Advantage plan can make one change.
If you do nothing by December 7, your current plan simply renews for 2027 if it is still being offered, with the changes described in your ANOC.
By the numbers
Medicare Part B premium, 2006–2026
The standard monthly Part B premium has climbed from $88.50 in 2006 to $202.90 in 2026. Hover any point for that year’s premium.
Source: CMS. Standard premium shown; in some hold-harmless years many existing enrollees paid less. Confirm at Medicare.gov.
By the numbers
How people get Medicare in Philadelphia County
(MA penetration in Philadelphia County)
MA penetration from CMS enrollment data; Medigap share is an estimate. U.S. average is about 54% Medicare Advantage. These are area-level figures, not plan-specific.
2027 plan lineup
Independence Blue Cross Medicare Advantage plans in Philadelphia County for 2027
CMS lists 12 Independence Blue Cross Medicare Advantage plans in Philadelphia County for 2027, alphabetically by carrier. 16 other carriers also offer plans there.
| Plan | Type | Drug coverage | For 2027 |
|---|---|---|---|
| Independence Blue Cross 12 plans | |||
| Keystone 65 Assured Rx (HMO) | HMO | Yes | New |
| Keystone 65 Basic Rx (HMO) | HMO | Yes | Returning |
| Keystone 65 Essential Rx (HMO-POS) | HMO-POS | Yes | Returning |
| Keystone 65 Focus Rx (HMO-POS) | HMO-POS | Yes | Returning |
| Keystone 65 Liberty Medical Only (HMO) | HMO | Yes | Returning |
| Keystone 65 Preferred Medical Only (HMO) | HMO | Yes | Returning |
| Keystone 65 Preferred Rx (HMO) | HMO | Yes | Returning |
| Keystone 65 Select Medical Only (HMO) | HMO | Yes | Returning |
| Keystone 65 Select Rx (HMO) | HMO | Yes | Returning |
| Personal Choice 65 Achieve Rx (PPO) | PPO | Yes | Returning |
| Personal Choice 65 Medical Only (PPO) | PPO | Yes | Returning |
| Personal Choice 65 Rx (PPO) | PPO | Yes | Returning |
Source: CMS Medicare Advantage Landscape Source Files, plan years 2026 and 2027. Plan availability is set at the county level. No plan is ranked or recommended; premiums, benefits, networks and star ratings are not shown. Plan details come from the Medicare Plan Finder at medicare.gov or the plan itself.
The 2027 choices, by type
How Independence Blue Cross Medicare Advantage plans in Philadelphia County break down for 2027
HMO plans use a network and usually a primary-care doctor and referrals; HMO-POS plans add some out-of-network coverage; PPO plans also cover out-of-network care, at a higher share; PFFS plans pay any provider that accepts the plan’s terms. Special Needs Plans serve people with Medicare and Medicaid (D-SNP), certain chronic conditions (C-SNP) or living in an institution (I-SNP).
Source: CMS Medicare Advantage Landscape Source Files, plan years 2026 and 2027. Plan availability is set at the county level. No plan is ranked or recommended; premiums, benefits, networks and star ratings are not shown. Plan details come from the Medicare Plan Finder at medicare.gov or the plan itself.
Key dates
Medicare enrollment periods at a glance
- Around your 65thInitial Enrollment PeriodA 7-month window around the month you turn 65 — your first chance to sign up.
- October 15 – December 7Annual Enrollment PeriodAnyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan.
- January 1 – March 31Medicare Advantage Open EnrollmentIf you're already in a Medicare Advantage plan, you can make one change.
- January 1 – March 31General Enrollment PeriodFor people who missed their first chance to sign up for Part B.
- VariesSpecial Enrollment PeriodTriggered by life events like moving or losing other coverage.
Dates are set by Medicare and apply nationwide. Confirm your personal windows at Medicare.gov or 1-800-MEDICARE.
Explore
When can you enroll? An interactive year
Enrollment windows are federal and the same nationwide. Confirm your personal dates at Medicare.gov or 1-800-MEDICARE.
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The parts of Medicare
Good to know
Frequently asked questions
What happens if my Independence Blue Cross plan is the one not returning in 2027?
Does this article mean Independence Blue Cross is the best choice in Philadelphia?
Do I have to switch plans during Annual Enrollment?
Where can I get help comparing plans one-on-one?
- CMS — MA Landscape Source File (plan-level availability by county)
- CMS — MA Landscape Source Files, current and coming plan year (year-over-year comparison)
- CMS — Medicare enrollment periods (medicare.gov)
For personalized answers, contact Medicare.gov or 1-800-MEDICARE.
Also for Philadelphia
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This page was last updated: October 2026.