Blue Links for Employers

Important Employer Surveys: Medical Loss Ratio and Employer Group Size


In July, employers with a fully insured, premium financial arrangement with us will receive at least one of the following two surveys in the mail.

About the PPACA survey
The Patient Protection and Affordable Care Act (PPACA) survey allows us to accurately calculate medical loss ratios for the small and large employer group segments. If medical loss ratio standards are not met, premium rebates would be issued to the applicable market segment(s). We use this data, along with other components, to determine if we will need to issue rebates.

About the MSP survey
The federal Medicare Secondary Payer (MSP) survey allows us to annually track the number of employees each company has. This includes all employees and is not limited to those associated with employers' Blue Cross Blue Shield of Massachusetts accounts.

How to determine which survey employers will receive:

  Account Type

  Survey(s)

Accounts with 125 or fewer enrolled employees

The Patient Protection and Affordable Care Act survey
See the letter and survey.

Our annual survey for the purpose of determining the size of the company based on Medicare Secondary Payer (MSP) laws

See the letter and survey.

Accounts that canceled coverage with Blue Cross in 2015

The Patient Protection and Affordable Care Act survey

See the letter and survey.

Questions?
For more information about these surveys, medical loss ratio, or national health care reform, please read the following resources:
Frequently Asked Questions—MSP
Frequently Asked Questions—PPACA
 

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