Credit Monitoring Service for Blue Cross Blue Shield Members

Published on January 31st, 2017

You will recall that Anthem Blue Cross Blue Shield experienced a cyberattack in 2015 that impacted almost 79 million people, including many Concordia Health Plan members living in an Anthem service area. In response to the cyberattack, Anthem offered free identity repair and credit monitoring services to impacted members and their dependents for two years. Following is an update from Blue Cross on this breach.

Credit Monitoring Service Expiration

The AllClear ID services offered to individuals affected by the 2015 cyber attack against Anthem will start to expire beginning in February 2017.

Individuals who enrolled in the AllClear ID Credit Monitoring Services (called PRO) after the Anthem cyber attack will receive a series of emails from AllClear ID prior to the expiration of those services. The emails will inform them that their AllClear ID services are set to expire and will provide renewal options for the individual. These emails will be issued 30 days prior to expiration, then again ten days prior to expiration, and finally three days prior to expiration. Each individual’s expiration date will vary and is based on the date the member actually enrolled in the AllClear Credit Monitoring Services or when the member received their mailed notice from Anthem. The earliest expiration date will be in February and the latest expiration dates will be in August of 2017.

All Concordia Health Plan members in a Blue Cross option, including those who enrolled in the expiring AllClear ID services, are eligible to enroll in Blue Cross Blue Shield of Minnesota’s (BCBSMN) free credit protection service offered through Experian.

To enroll, log onto the new BCBSMN website (or through single sign on at, scroll to the bottom of the page, and click on the box marked “Identity Protection.” If a member has issues enrolling, the Experian number is 866-926-9803. This service is available free of charge for as long as the member is enrolled in a BCBSMN option through the Concordia Health Plan.

Anthem Minor Credit Protection Program

As part of their assessment, the NAIC requested (and Anthem agreed) to provide a customized credit protection program functionally equivalent to a credit freeze for minors who were under the age of 18 on January 27, 2015. Anthem will notify the parents or legal guardians of the affected minors by U.S. mail, media notice, website notice, and member portal notice. Anthem will cover the costs of a one-time freeze and one-time removal at each of the three major credit reporting agencies (Equifax, Experian and Transunion). The offer will remain open for one year from the date of the notice.

Anthem is working closely and collaboratively with Equifax, Experian and Transunion to create this new program. Details will be provided as quickly as they become available, including a mailing to impacted members in February 2017. For the most current information, members can visit, or 1-855-260-2775 for assistance. Members should not call the credit reporting agencies about this program. Blue Cross Blue Shield of Minnesota will not be providing any sort of notification to impacted members separate from, or in addition to, the letter notice sent by Anthem.

Please Note: Some programs do not apply to retired workers with coverage through the Concordia Plans. If you are unsure if this applies to you, please call to speak with a Concordia Plan Services Customer Care representative at 888-927-7526.