Blue Links for Employers

Coverage for Employees Out of State

From time to time Blue Cross Blue Shield of Massachusetts has been asked if our standard fully insured health plans comply with other state mandates. It is important to note that policies are issued in Massachusetts to employers headquartered in Massachusetts. Therefore, our fully insured plan designs are based on Massachusetts' mandates and not those of other states.

Blue Cross sometimes receives account specific requests to provide benefits for out of state members that align with their state's standards. While we try our best to accommodate this, there may be situations where the specific request is not possible.

For example, the Hawaii Prepaid Healthcare Act requires employers to provide certain levels of coverage to certain employees working in Hawaii. In the past, we learned that our standard plan designs do not meet the level of coverage required by Hawaii regulators and that changes to meet these standards were not feasible. Therefore, Blue Cross Blue Shield of Massachusetts cannot accommodate requests to provide benefits in line with Hawaii standards. In this situation, where the law's requirements are the obligation of the employer, we highly suggest employers speak with their own legal counsel to help decide whether or not residents of Hawaii should be enrolled in a Blue Cross Blue Shield of Massachusetts health plan.

For more information, see the Frequently Asked Questions developed by Hawaii state regulators. Alternatively, accounts with employees in Hawaii can contact Hawaii Medical Service Association (HMSA)—an Independent Licensee of the Blue Cross Blue Shield Association—to purchase a health plan directly from them.

Blue Cross Blue Shield of Massachusetts

Blue Cross Blue Shield of Massachusetts is an Independent Licensee of the Blue Cross and Blue Shield Association.
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