Transparency in Coverage

Transparency in Coverage (TIC)

Agencies: Internal Revenue Services, Employee Benefits Security Administration, Department of Health and Human Services

Introduction:  The Transparency in Coverage Final Rules require certain group health plans to disclose on a public Webster information regarding in-network provider rates and historical out-of-network allowed amounts and billed charges for covered items and services in two separate machine readable files (MRFs).

Link to Federal Register, Transparency in Coverage Final Rule:

Link to Transparency in Coverage Final Rule CMS Fact Sheet:

A machine readable file is 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.

These files follow the Centers for Medicare & Medicaid Services (CMS) defined layout and are in the CMS approved format (JSON) and are not meant for a consumer-friendly search of rates, benefits, or cost sharing. Please refer to the member resources available through for this information.

Plans and issuers will display these data files in a standardized format and will provide monthly updates. This data will provide opportunities for detailed research studies, data analysis, and offer third party developers and innovators the ability to create private sector solutions to help drive additional price comparison and consumerism in the health care market. These files are required to be made public for plan years that begin on or after January 1, 2022.

Anthem Link to published MRFs published by Anthem BCBS for the plans administered and maintained on behalf of the City of St. Louis: file/search__;!!O7V3aRRsHkZJLA!HQ6dC3GWF6_iy0So2GlymfEAq_Jmfb2E6ELGrphDeC-ScW4PhZvUXSNcAUPWgbzkjry1osT2lj1DO-lqNiJcXxO-HbM$

When using the search option, the page will display links to several files, including:
 In-Network Negotiated Rate Files
 Out-of-Network Allowed Amount Files
 Blue Cross Blue Shield Association Out of Area Rate Files (applicable when
members use providers in non-Anthem states.)

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