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MLR and MSP Annual Survey for Employer Groups

Each year the federal government requires Independence Blue Cross and its affiliates to collect information from employer groups regarding employee count size, as outlined under Medicare Secondary Payer (MSP) and Medical Loss Ratio (MLR) guidelines. The Center for Medicare & Medicaid Services (CMS) uses MSP information to determine whether Independence or Medicare is the primary payer of your Medicare-eligible employee claims. The Affordable Care Act uses MLR information to determine if employers are entitled to a refund of a portion of their paid premiums.

Employer groups can easily and securely submit their MLR and MSP data to Independence using the link below. Please include employees who do not have health insurance coverage with Independence or any of our affiliates when filling out the survey. We need information on your total employee count.

MLR/MSP Survey

Failure to submit the group survey may result in the receipt of a demand letter from the Centers for Medicare and Medicaid Services and/or the imposition of fines or penalties on the employer or Independence.

If you have any questions, please call your broker or Independence account executive. If you do not know who your broker or account executive is, please contact 1-800-ASK-BLUE.

Please note: All letter recipients of are required to provide this information, even if the contact name is inaccurate. We need information on your total employee count size, including your employees who do not have medical insurance coverage with Independence or our affiliates.

If you have already submitted your data, we thank you for your help in this matter.

Helpful resources

Learn more about Medical Loss Ratio

Learn more about Medicare Secondary Payer

Open the Full-time Equivalent Employee Calculator