Q: What is the preferred lab site under Independence?
A: LabCorp is the Independence preferred lab. Quest is not participating in the Independence network.
Q: If I am enrolled in the HMO, will I still be required to select a dedicated Primary Care Physician (PCP)
and obtain referrals for specialty care?
A: Yes. If you are enrolled in an HMO plan, you will need to select a Primary Care Physician (PCP) and
obtain referrals for care received by a specialty provider.
Q: After November 2019, how do I update my Primary Care Physician (PCP) with Independence?
A: Once you are enrolled with Independence on or after November 1, 2019, you can change your Primary
Care Physician (PCP) by registering online through ibxpress®, which is the Independence member portal. You
can also call an Independence customer service representative at the number listed on the back of your
Independence card, once received. Information will also be available during your annual open enrollment
period.
Q: Will my medical benefits be impacted by the change to Independence?
A: Generally speaking, there will be only minimal changes to your medical insurance plan. The benefit levels, such
as copayments, limitations, and maximums, will be very much the same as you compare your current medical plan
to the Independence replacement plan. Medical necessity and place of service will continue to be the foremost
factors in coverage determinations.
Q: Will there be a need to file my own medical claim forms?
A: Independence does not require its members to file their own claim forms for in---network services.
Independence in---network doctors submit claims on behalf of the member. The claim submission process is
paperless from the member's point of view any time the member uses in---network doctors. For out---of---network or
out---of---area services, the submission of a medical claim form may be required.
Q: If I have any questions about the carrier change before November 1st, whom can I ?
A: You may :
Armstrong, Doyle & Carroll, Inc. at (610) 225-1 @adcbenefits.com;