Incorporated under the laws of the Commonwealth of Massachusetts as a Non-Profit Organization HMO-PPO (1-1-2022) January 1, 2025 Printing effective 1/1/25 (issued 5/13/24) Welcome to Blue Cross Blue Shield HMO Blue! We are very pleased that you’ve selected Blue Cross and Blue Shield of Massachusetts HMO Blue, Inc. This Subscriber Certificate is a comprehensive description of your benefits, so it includes some technical language. It also explains your responsibilities — and our responsibilities — in order for you to receive the full extent of your coverage. If you need any help understanding the terms and conditions of your health plan, please contact us. We’re here to help!