For more than 75 years, we have been the trusted health plan for the many cities, towns, and regional school districts across Massachusetts. That's why it's no surprise that 79 percent of Massachusetts municipalities are Blue Cross customers. We understand the business complexities and challenges municipalities face, and as your trusted advisor, we're here for you.
Find out more about how Blue Cross Blue Shield of Massachusetts can help transform your health coverage by contacting your broker or account executive or calling 617-246-7500.
Latest Municipal News
July 24, 2014Wilmington Whips Up Healthy Meals
March 4, 2014Blue Cross Blue Shield of Massachusetts Recognizes Communities for Improving the Health of their Workforce and Lowering Health Care Costs
December 19, 2013Blue Cross Blue Shield of Massachusetts President and CEO Andrew Dreyfus Outlines Ways to Address the Rising Cost of Health Care
November 4, 2013Town of Saugus Switches Back to Blue Cross Blue Shield of Massachusetts and the Massachusetts Interlocal Insurance Association after Three Years in the Group Insurance Commission
May 22, 2015
City Offers Employees Cash Incentives to Keep Fit, WAMC Northeast Public Radio
March 7, 2015
Newburyport wins award for cost savings, wellness, Wicked Local Newburyport
March 2, 2015
Chelmsford, Shawsheen honored for health programs, Lowell Sun
March 2, 2015
Shawsheen Valley Technical High School Recognized with Award, Tewksbury Patch
February 27, 2015
Blue Cross honors Agawam for health insurance innovation, The Reminder
Health coverage isn't one size fits all. You need coverage that is personalized and unique to your organization. We have the history, the know-how, and the tools to help you. Here's why Blue Cross is the right choice for you.
The Blue Cross Difference
View our partners' perspectives.
View the impacts on health insurance.
We're proud to offer municipalities a wide selection of flexible and customizable medical and dental plan options—perfect for evolving business needs. And all these options give employees access to our extensive network of quality hospitals, doctors, and other essential health care providers.
|Products & Features||How It Works||Engagement Tools|
|Consumer-Directed Health Plans||A high-deductible health plan is paired with a financial Health Savings Account to encourage smarter health care decisions and help cover members' out-of-pocket costs.||HRA Tutorial HSA Tutorial|
|Hospital Choice Cost Sharing Feature||Members pay more for certain services depending on the hospital they chose||Hospital Choice Cost Sharing Tutorial|
|Blue Options Tiered-Network Plans||Members pay the least amount when they use quality, lower-costs primary care providers and hospitals.||Blue Options with Copayment Only Tutorial Blue Options with Deductible Only Tutorial|
|Value-Based Benefits||Reduced copays for chronic disease medications, diabetic monitoring care, and routine care can help control costs over the long term||Learn More|
Bundle and save.
When you combine Blue Cross products, you not only save money, it's also convenient. Because having your dental, vision, life insurance, and stop-loss needs under one roof just simplifies everything.
Innovative contract payments
Our nation-leading Alternative Quality Contract is changing the way we work with doctors and hospitals. Based on global payments with incentives for quality care, it's not only controlling medical cost trend, but also improving quality when compared to providers who are paid on a fee-for-service basis. That means lower costs for you and your employees.
Network is everything. Ours has superior access, flexibility, and cost control across our product line. In fact, our leading-edge network and utilization management gives us a 6.8 percent savings on average over our competitors on per-member monthly costs1.
Integrated care management We offer comprehensive, integrated care management programs that target complex health issues and risks, which may ultimately help reduce costs. Some highlights include:
Data-driven wellness programs
Help employees make the connection between their lifestyle and long-term health. We start with a detailed assessment of your claims to identify the specific modifiable health risks of employees. Together, we develop strategies and goals for your company as a whole.
For many municipal members, pharmacy benefits play a key role in their overall health. An integrated pharmacy and medical benefit has been shown to reduce ER visits by 12% and reduce admission rates by 19% while improving medication compliance by as much as 12%2.
Our pharmacy management business model focuses on promoting clinically appropriate utilization, negotiating highly competitive discounts, and using the most cost-effective delivery channel whenever possible. For example, we exclusively manage our formulary and it is not dependent upon rebates or ancillary funding from pharmaceutical manufacturers, allowing us to aggressively promote generic drugs. Based on 2013 book of business data, we have found that every 1% change in generic fill rate produces a 3.6% reduction in gross spend. The current overall generic fill rate for our book of business is nearly 83%.
Lowering costs. Reducing fraud.
Learn more about how we're improving claim accuracy and preventing duplicate payments, billing abuse, and fraud with
Blue Claim Recovery Advantage.
1. Milliman National Market Comparison, 2011, Copyright BHI.
2. Effect of Pharmacy Benefit Carve-In on Utilization and Medical Costs: A Three Year Study, Benefits Magazine, Vol 49, No.2, Feb 2012.