Stay healthy

Financial well-being

Protecting your health is more than just taking care of your physical well-being. We're also concerned with protecting our members' financial health and security. You and your eligible family members may participate in two programs to help you achieve your financial well-being goals: GradFin and AblePay Health. They are available to you at no additional cost.


GradFin¹ student loan debt reduction solutions can help you and your family find the best strategies to save for college and reduce your student loan debt.

Core services

  • Student Loan Financial Education. You will learn about your options for reducing student loan debt during personal consultations, live webinars, and “town hall” meetings.
  • Student Loan Refinancing. GradFin refinances and consolidates your student loan(s) through a lending platform made up of 11 lenders to maximize the chances of you being approved for a new loan and finding the lowest rates.
  • Public Service Loan Forgiveness (PSLF) Program. The PSLF keeps you compliant with federal loan forgiveness programs by enrolling your loans, verifying your employment, annually certifying your income-based repayment plan, and auditing your “qualified payments.” You and your family members can participate in this program if you or your family members are employed at a 501(c)3 nonprofit.

Exclusive value-adds

  • Bonus towards principal. GradFin provides a $100 bonus towards the loan principal when originating or refinancing loans through GradFin.
  • PSLF pricing concession. If you’re employed at a 501(c)3 nonprofit, you can participate in the PSLF membership program for a flat rate of $100 per year, which is more than half the rate of a regular membership. Your family members may also take advantage of this offer.
  • Dedicated loan consultants and scheduling. You have access to one-on-one consultations and dedicated consultants and appointments.

Visit to sign up for a complimentary consultation and learn about your services.

AblePay Health

Did you know you can save on medical costs? Along with your health plan benefits, you have free access to a program called AblePay Health. Using AblePay, you can save up to 13 percent on out-of-pocket medical costs your health plan doesn’t cover. That may include copays, coinsurance, and deductibles.

Enrolling in AblePay is simple! Visit to get started. To learn more, visit, email, or call 1-484-292-4000.

1 This is a value-added program and not a benefit under an AmeriHealth health plan and is, therefore, subject to change without notice.

GradFin, LLC., an independent company, is providing a student debt refinancing program to customers of Independence Blue Cross. GradFin, LLC does not provide Blue Cross products or services. This is a value-added program and not a benefit under an Independence health plan and is, therefore, subject to change without notice.

AblePay Health is an independent company. This is a value added program and not a benefit under Independence Blue Cross and is therefore subject to change without notice. Check your benefits for eligibility.