Insurance Machine Readable Files (MRF)
Transparency in Coverage - Machine Readable Files
The Transparency in Coverage Final Rule requires disclosure of the negotiated rates with in-network providers and the historically allowed amounts paid to out-of-network providers, for all health plans available to employers. Files containing this information for the plans covered are published on this page.
The files may be large and download times may be significant. Internet speed, browser, and computer hardware may impact your download time/speed.
Depending on your operating system, you may need to download a tool to open. There are various tools available on the internet; some are free and some are at cost.
Link to SD 308 Machine Readable Files (MRF)
Date of Update
The last update of the MRF's is located at www.bcbsil.com/asomrf?EIN=364154888. Please reference this date for all official MRF coverage periods.
Important Note
MRFs are not designed for use by covered members or as a consumer price comparison tool. Rather, these files are digital representations of in- and out-of-network rate information, in the JavaScript Object Notation (JSON) format (which can be read only by a computer system). If you are unable to open the MRF, you likely do not have the required software on your computer to open a JSON file format. Additionally, the size of the file requires a large amount of system resources to be manageable. We recommend you work with technology professionals for assistance if needed. Most importantly, MRFs are meant to be read by a computer system or software application, not by users. Members are encouraged to use Blue Access, a cost-estimator tool available on BCBSIL's Website.
Disclaimer
MRFs are not a guarantee of coverage or of the reimbursement rate that will be applied for any procedure, and they do not contain information on a member's out-of-pocket charges. Claim processing is subject to a variety of factors, such as eligibility, medical necessity, utilization management, exclusions, and other plan terms, which are not addressed in these files. The information in these files is accurate as of the date noted for each file and is subject to change without notice.
