Insurance Cards – Mandated Changes by the Consolidated Appropriations Act

The Consolidated Appropriations Act (CAA) was enacted into law in December 2020 and contains numerous requirements for health plans, including changes to insurance ID cards. Beginning 1/1/22, at a group’s legal plan year, ID cards must identify the amount of any in-network or out-of-network deductible and any in-network or out-of-network out-of-pocket maximum. Additionally, ID cards must include a phone number and website at which members can access additional benefit information.


To meet this requirement, updated digital ID cards will be available by 1/1/22 for groups with legal plan years beginning 1/1/22. Members can access their digital ID cards by logging in to myBlueCross at Digital ID cards are identical to hard-copy ID cards. Most groups should receive new hard-copy ID cards by 1/1/22 or at their legal plan year. However, there may be delays due to printing volume. Your employees’ existing hard-copy ID cards will be valid until new hard-copy ID cards are received.


Blue Cross is committed to meeting the requirements of the CAA mandate and ensuring a positive member experience. We encourage you to submit your group’s benefit information on time in order to minimize delays in delivering hard-copy ID cards to your employees.

Additional CAA Information

CAA Group Flier - Updated October 6, 2021