Blue Links for Employers

Minimum Creditable Coverage Guidelines

The Massachusetts Health Connector Board has approved minimum creditable coverage (MCC) standards that employer group and individual health plans must meet so that residents can satisfy the mandate that they have health insurance. Medical benefits purchased through Blue Cross Blue Shield of Massachusetts may not, on their own, satisfy MCC requirements because certain benefits may have been excluded from the subscriber's health plans for various products.

The MCC guidelines also state that an individual's total health coverage through an employer may be considered for the purpose of determining MCC compliance. Consulting with an advisor or legal counsel is recommended to confirm the health plan is MCC-compliant when providing coverage for the required benefits through another carrier.

Combined Benefits Package Requirements

  • The complete benefits package provided to individuals and their dependents meets health care reform MCC requirements.

  • An individual and/or their dependents are not allowed to opt out of the benefits offered via a secondary carrier/vendor.

  • The carved-out benefits are in force throughout the time benefits are in effect with Blue Cross Blue Shield of Massachusetts.

If Attestation Form is Submitted
Blue Cross Blue Shield of Massachusetts will provide 1099-HC services on behalf of eligible employers. Download the Plan Sponsor Attestation form and return it to Blue Cross Blue Shield of Massachusetts at the address below by November 1, 2010:

Blue Cross Blue Shield of Massachusetts
Attn: Paul Brown
Financial Services, Mailstop 01/07
401 Park Drive
Boston, MA 02215

If you have any questions, please contact your account executive.

For more information, visit:

Blue Cross Blue Shield of Massachusetts

Blue Cross Blue Shield of Massachusetts is an Independent Licensee of the Blue Cross and Blue Shield Association.
® Registered Marks of the Blue Cross and Blue Shield Association.
© 2012 Blue Cross and Blue Shield of Massachusetts, Inc., and Blue Cross and Blue Shield of Massachusetts HMO Blue, Inc.
Landmark Center, 401 Park Drive, Boston, MA 02215-3326 | 800-262-BLUE (2583)
Terms of Use, Privacy & Security | Accessibility