What is the Multi-State Plan (MSP) Program? Blue Cross Blue Shield-South Carolina explains!
The Affordable Care Act (ACA) created the MSP, and the U.S. Office of Personnel Management (OPM) administers it. OPM contracts with the Blue Cross and Blue Shield Association (BCBSA) to offer a nationwide network of ACA-compliant qualified health plans. OPM certifies plans, monitors performance, administers external appeals and oversees plan compliance with the ACA.
The ACA created the MSP program to drive competition. MSP options ensure that Americans across the country have access to high-quality health insurance plans with reliable benefits. OPM ensures that these plans have an effective network of providers, a high percentage of spending on health care rather than administrative costs and strong consumer protections.
Other facts about MSP:
MSP coverage became available in the Marketplace in January 2014 through participating Blues plans, including BlueCross BlueShield of South Carolina.
MSP products BlueCross BlueShield of South Carolina offers do NOT have any local network, out-of-area network or benefit differences when compared to all of our other ACA individual metal products sold on and off exchange. All products use the same BlueEssentialsSM network and BlueCard® PPO Basic nationwide network.
OPM is the same agency that administers the health plan for federal government employees, although MSP is completely separate from plans offered to federal employees.
BlueCross BlueShield of South Carolina offers multi-state plans to individuals in South Carolina through the Federally Facilitated Marketplace (FFM) only. Financial assistance is available to those who qualify. The timing of Open Enrollment for MSP coincides with ACA Open Enrollment each year. We do not offer MSP group coverage.
BlueCross BlueShield of South Carolina offers customers a choice of two MSP health plans: MSP Silver 1 and MSP Gold 1.
MSP plans cover all essential health benefits and other coverage guidelines the ACA and state law require. Enrollment in an MSP is available through www.healthcare.gov.
For More Information
For more information, visit www.opm.gov/healthcare-insurance/multi-state-plan-program/consumer.