Transparency in Coverage

Transparency in Coverage

Group health plans and health insurers must make three separate machine-readable files publicly available. These files have been formatted for ease of discovery and will be updated monthly to include detailed pricing information for our in-network (INN) providers, out-of-network (OON) providers, and INN negotiated rates and historical net prices for our drug formularies. In accordance with this requirement, we have the following files available for use: index data, INN medical provider data and OON medical provider data. The requirement to post a machine-readable file (MRF) containing the in-network negotiated rates and historical net prices for all covered prescription drugs by plan or issuer at the pharmacy location level has been deferred until further notice.

You can access pricing information from this page beginning July 1, 2022.

Transparency FAQs

What is a machine-readable file (MRF)?

A machine-readable file is defined as a digital representation of data or information in a file that can be imported or read by a computer system for further processing without human intervention and without changing its meaning. The Transparency in Coverage (TiC) rule specifies that insurers/plans must create and publicly post MRFs with detailed in-network and out-of-network pricing data. TiC requires each MRF to use a nonproprietary, open format.

What data will be publicly available in the MRFs provided?
  • Beginning July 1, 2022, we will create MRFs with in-network rates and out-of-network allowed amounts.
  • The MRFs we produce will only contain the data we administer and maintain. This will include MRFs with BlueCard pricing, custom pricing for tiered groups and out-of-network pricing. These files will include pricing for drugs covered under the medical plan 002E.
  • The prescription drug file compliance date has been postponed, but we will be compliant with regulations when that date is announced.
  • If a plan uses a third-party vendor (such as carved-out behavioral health), then the group should work with that vendor to determine whether it is providing a similar solution.
Will files be created on a group-specific basis? If not, how will users know they are selecting the correct files?
  • Our website is set up so users can search for MRFs by the employer’s IRS employer identification number (EIN) or health Insurance oversight system (HIOS) ID. The search will return all the relevant files for the employer based on its EIN/HIOS ID and network code.
  • For groups with custom pricing, such as a hospital employer with a domestic pricing tier, we will generate the in-network MRFs that apply to that tier. These files will be available at our public website for that employer only.
  • Out-of-network MRFs will be created for each group based on historical claims. Pricing will correspond to the pricing methodology selected by the group (e.g., 150 percent of Medicare). Per regulations, this file will only include pricing for services when a provider has more than 20 claims for that service paid during the 90-day time period that begins 180 days prior to the publication date of the MRF.
How many files will be created for a group?

An in-network file will be created for each network a group uses and will include a separate file for each Blue® Plan nationwide. The out-of-network file will be a single file.

In what format will you provide the files?

Files will be in JSON format.

Are members able to access the MRFs?

Anyone can visit our public website and download files based on employer group EIN. However, these files are not intended for member consumption. These files are for a computer application that members may use. Members who wish to review pricing for specific providers or procedures can visit our Find Care tool available in the member portal.

Contact us

Price transparency requirements can result in very large file sizes that may, in turn, cause issues while downloading them. If you are experiencing problems, please try a different web browser or check your internet and Wi-Fi speed.

For questions about an issue with this site or downloading files, please contact us for support by emailing MRF.Support@bluechoicesc.com or by calling 800-497-3382.

Please include this information in your email:

  • A detailed description of the question or issue
  • Any errors you are receiving, including date and time of error
  • Group information for the data you are attempting to download
  • Your contact information