ELAINE LAWTON vs. COMMONWEALTH GAS COMPANY.

OCONNOR, J. The complaint alleges that Commonwealth Gas Company's employee, George Lawton, [Note 1] and the plaintiff, Elaine Lawton, were divorced by a judgment which became absolute on January 5, 1985. A separation agreement, which merged in the judgment, had provided that George Lawton would maintain his current medical insurance plan for the benefit of the plaintiff as long as she remained eligible. However, the company notified the plaintiff that, in accordance with company policy, the company would remove her from its Blue Cross and Blue Shield health plan as of June 1, 1985. The complaint prays for a declaration of the rights of the parties

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and an injunction prohibiting the company from terminating the plaintiff's coverage. In the complaint, the plaintiff relies on G. L. c. 175, Section 110I, as appearing in St. 1984, c. 414, Section 3, which provides, in part, that, "[i]n the event of the granting of a judgment absolute of divorce . . . to which a member of a group hospital, surgical, medical, or dental insurance plan provided for in section one hundred and ten is a party, the person who was the spouse of said member prior to the issuance of such judgment shall be and remain eligible for benefits under said plan . . . as if said judgment had not been entered; provided, however, that such eligibility shall not be required if said judgment so provides. Such eligibility shall continue through the member's participation in the plan until the remarriage of either the member or such spouse, or until such time as provided by said judgment, whichever is earlier." In answer to the complaint, the company averred in pertinent part that it maintains a "cost plus" employee welfare benefits plan which is administered by Blue Cross and Blue Shield and therefore is not an insurance plan subject to State insurance laws, including c. 175, Section 110I.

The plaintiff moved for summary judgment submitting an affidavit that substantially repeated the allegations in her complaint. The company also filed an affidavit asserting that the company "has in place a self-funded health insurance plan administered by Blue Cross & Blue Shield," which "is not governed in any manner by [G. L. c. 175] as it is not a plan by a commercial carrier as contemplated by [G. L. c. 175]." Attached to that affidavit was a copy of a Blue Cross and Blue Shield "Master Medical" certificate stating as follows: "Blue Cross and Blue Shield certify that you have the right to benefits for services according to the terms of your contract. This certificate is part of your contract. Your Blue Cross and Blue Shield Card or Number will identify you to a provider as a person who has the right to benefits set out in your contract. You should present it to the provider when you receive services so that we may properly administer your benefits." (Emphasis in original.) A judge of the Probate and Family Court Department declared that George Lawton "is obligated ... to maintain

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his current health insurance for the benefit of the Plaintiff," until one of the parties remarries or the judgment of divorce is modified. The judge also ordered the company to maintain its "medical insurance coverage" on the plaintiff. The company appealed. George Lawton did not. We transferred the case here on our own motion. We reverse, and, in accordance with the company's request on appeal, we order the entry of judgment declaring that the company is entitled to remove the plaintiff from its health benefits plan.

Consistent with its answer to the complaint and its affidavit filed in connection with the plaintiff's motion for summary judgment, the company's first position on appeal is that G. L. c. 175, Section 110I, does not govern self-funded employee health benefits plans such as the plan it maintains. On appeal, the plaintiff appears no longer to rely on G. L. c. 175, Section 110I. Accordingly, we need not address that matter. Instead, the plaintiff argues that, as a result of furnishing to its employees the Blue Cross and Blue Shield Master Medical certificate, a copy of which was attached to the company's affidavit, the company is estopped from denying that it provided Blue Cross and Blue Shield coverage to George and Elaine Lawton. The plaintiff then directs our attention to G. L. c. 176A, Section 8F, inserted by St. 1984, c. 414, Section 4, and G. L. c. 176B, Section 6B, inserted by St. 1984, c. 414, Section 5. General Laws c. 176A, Section 8F, and G. L. c. 176B, Section 6B, are replicas of G. L. c. 175, Section 110I, except that they relate to nonprofit hospital service and nonprofit medical service organizations, such as Blue Cross and Blue Shield, respectively. Chapter 176A, Section 8F, provides, in material part, that, "[i]n the event of the granting of a judgment absolute of divorce . . . to which a subscriber of a group nonprofit hospital service contract is a party, the person who was the spouse of said subscriber prior to the issuance of such judgment shall be and remain eligible for benefits under said contract . . . ." Chapter 176B, Section 6B, provides, in material part: "(a) In the event of the granting of a judgment absolute of divorce . . . to which a subscriber of a group nonprofit medical service plan is a party, the person who was the spouse of said subscriber prior to the issuance of such judgment shall be and remain eligible for benefits under said plan . . . ."

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The company argues that its health benefits plan is neither the plan of a nonprofit hospital service organization nor the plan of a nonprofit medical service organization, but rather it is a self-funded plan, merely administered by Blue Cross and Blue Shield, and therefore not governed by c. 176A, Section 8F, or c. 176B, Section 6B. In any event, the company argues, those sections, inserted by St. 1984, c. 414, Sections 4 and 5, do not affect this case because they did not take effect until March 27, 1985, nearly three months after January 5, 1985, the day on which the judgment of divorce became absolute, and they do not apply retroactively.

We need not resolve the estoppel issue raised by the plaintiff, nor do we need to consider the company's contention that its plan is not the kind of a plan addressed by c. 176A, Section 8F, or c. 176B, Section 6B. It is enough that we agree with the company's contention that c. 176A, Section 8F, and c. 176B, Section 6B, do not apply retroactively to the Lawtons' divorce. "The general rule of interpretation is that all statutes are prospective in their operation, unless an intention that they shall be retrospective appears by necessary implication from their words, context or objects when considered in the light of the subject matter, the pre-existing state of the law and the effect upon existent rights, remedies and obligations. Doubtless all legislation commonly looks to the future, not to the past, and has no retroactive effect unless such effect manifestly is required by unequivocal terms. It is only statutes regulating practice, procedure and evidence, in short, those relating to remedies and not affecting substantive rights, that commonly are treated as operating retroactively, and as applying to pending actions or causes of action." Hanscom v. Malden & Melrose Gas Light Co., 220 Mass. 1, 3 (1914). See Hay v. Cloutier, 389 Mass. 248, 253 (1983); Goodwin Bros. Leasing v. Nousis, 373 Mass. 169, 173 (1977); Hein-Werner Corp. v. Jackson Indus., 364 Mass. 523, 525 (1974). The rights bestowed on former spouses by c. 176A, Section 8F, and c. 176B, Section 6B, are substantive. Furthermore, nothing in the language of those statutes suggests retroactivity. Consequently, those statutes do not benefit the plaintiff. Accordingly, we reverse the judgment below, and order the

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entry of a judgment declaring that the company may remove the plaintiff from its health benefits plan [Note 2]

So ordered.