Collection of Personally Identifiable Information - In order to access certain services and restricted areas within the website or to respond to specific inquiries, Excellus BlueCross BlueShield requires that you provide Personally Identifiable Information. This information may include, without limitation, your legal name, address, telephone number, email address, subscriber name or "screen name," and password used to access the services. We may also collect the email addresses of visitors that communicate with us via email; information provided by the visitor in online forums, registration forms, surveys, email messages, and other online features (including demographic and personal profile data); and visitor-specific information about the pages on this site that our visitors access. We reserve the right to request any additional information necessary to establish and maintain your account for use of the services and access to the restricted areas.
How We Use the Information - Personally Identifiable Information collected when you visit this website will not be shared with or otherwise disclosed to anyone outside the Excellus BlueCross BlueShield family of companies without the consent of the person(s) authorized to permit us to do so, unless we are required to disclose the information by law, regulation or court order. Personally Identifiable Information you provide to Excellus BlueCross BlueShield via this website will only be used for the express purpose of your disclosure to us, unless as otherwise described herein.
Non-Personally Identifiable Information collected when you use this website may be used for internal review purposes in the aggregate, including measuring and monitoring the use of our website, diagnosing problems with our server, and administering our website.
We, or third party companies with whom we collaborate or hire to perform services on our behalf, may use your Non-Public Personal Information and Non-Personally Identifiable Information to provide you with information that we believe may be useful to you, such as information about health products or services provided by or through us through permissible targeted advertisements. You may opt-out of receiving permissible targeted advertisements by using the NAI Opt-out tool.
We also use Google Analytics in particular, however, there is a tool created by Google that prevents websites using Google Analytics from sending web visit data to the service for analytics purposes. You may opt out of this tracking by using Google Analytics Opt-out.
No Absolute Security of Information Transmitted Via the Internet- Excellus BlueCross BlueShield has implemented security features to help prevent the unauthorized release of or access to personal information that has been received via this website. Please be advised, however, that the confidentiality of any communication, information or other material transmitted to or from Excellus BlueCross BlueShield via this site or e-mail cannot be guaranteed. Accordingly, Excellus BlueCross BlueShield is not responsible for the security or confidentiality of information being transmitted via the Internet, the World Wide Web or other global computer networks. Excellus BlueCross BlueShield will have no liability for disclosures of Personally Identifiable Information due to errors in transmission or unauthorized acts of third parties.
Excellus BlueCross BlueShield' Right to Contact User - Excellus BlueCross BlueShield may contact site visitors who provide Excellus BlueCross BlueShield personally identifiable information regarding account status and changes to the subscriber agreement, privacy statement, or any other policies or agreements relevant to site visitors.
Protecting Children Online - We are committed to protecting the privacy and security of all of our customers, including minors who are enrolled in our insurance plans. Children under the age of 13 can access our websites as guests. If they wish to use features on our websites, we require that they do so with the permission of their legal guardian. We will not knowingly collect or use any personal information regarding a user under the age of 13 without the consent of a parent or legal guardian.
Use of Aggregated Information - We reserve the right to disclose to third parties information about usage of the website and any related services, including information gathered during your use of the website. Any information disclosed for this purpose will be in the form of aggregated data (such as overall patterns or demographic reports) that does not describe or identify any individual user.
Protection of Member Health Information - If you are a member of Excellus BlueCross BlueShield (and not someone visiting the website only for informational purposes), then it is possible that you may also provide us with Personally Identifiable Information that constitutes health information protected by the Health Insurance Portability and Accountability Act of 1996 ("HIPAA"). Excellus BlueCross BlueShield is a Covered Entity under HIPAA. Accordingly, Excellus BlueCross BlueShield is covered by (and complies with) HPIPAA regulations regarding the use and disclosure of members' health information for each health plan. Our Notice of Privacy Practices explains how we may use and disclose health information to carry out payment and health care operations and for other purposes that are permitted or required by law. "Health information" that is protected under HIPAA by health plans ("Protected Health Information") generally means claims information and any other information that relates to an individual's past, present or future physical or mental health.
What is 'Personally Identifiable Information'?
It is any information that could be used to identify you. For example, your name, address or identification number.
We collect two types of Personally Identifiable Information about our customers:
Nonpublic Personal Information - This is information you give us on your enrollment form, claim forms, premium payments and other ways. It includes for example: names, account numbers, e-mail address, type of health care benefits and payment amounts.
Protected Health Information - This is information that you or your health care provider sends to us to process your claim. This includes diagnoses and type of services you receive from your health care provider.
How Does Excellus BlueCross BlueShield Inc. use your Personally Identifiable Information?
We use this information:
- To administer health care benefits and for our health care operations. For example:
decide claim payment by asking you and/or your health care provider(s) for necessary information about services, or treatment;
work with other insurers to decide coverage;
bill for premiums which may include looking at your claim history;
answer customer and provider questions about benefits, enrollment and claims;
monitor quality of care and service to our customers which may include case management, and
perform utilization and cost containment review activities.
- For permissible marketing, advertising, product development and research purposes
Who Has Access To My Personally Identifiable Information?
Authorized employees at Excellus BlueCross BlueShield may access your information to administer benefits. Each year, all of our employees must sign an agreement to follow our Code of Business Conduct that includes our confidentiality policy.
We may work with other companies to help us conduct our business. We are required by law to sign an agreement with these other companies that prohibits them from using or giving out information for any reason other than the purpose of the contract. For example we may contract with:
How is my Personally Identifiable Information protected?
It is our policy to keep all information about you confidential. It is so important to us that we take the following steps:
our employees sign an agreement to follow our Code of Business Conduct;
we have a privacy oversight committee that reviews our privacy practices;
we have a security coordinator to detect and prevent security breaches;
all computer systems that contain personal information have security protections; and
we check provider offices to ensure that medical records are kept in secure locations.
Reproduction - The materials on this site may be downloaded and/or reprinted for non-commercial use by our members, employer accounts, participating broker/agents and health care providers only, provided that any copyright, trademark or other proprietary notices included in the materials downloaded are not removed from the materials. Any reproduction, distribution, republication, or retransmission of any materials posted on this site in whole or in part for any reason except personal use is prohibited without the prior written permission of Excellus BlueCross BlueShield, its affiliates or subsidiaries.
Scope of Use of this Website - The purpose of this site is to provide information to our customers about our products and services and health care in general. The information contained on this site is not intended to be used in place of your doctor's advice. You should see a health care professional if you have a specific health care question or concern and prior to beginning any exercise program. If you are experiencing a medical emergency, call 911 immediately or contact your local emergency services.
Appropriate Use of Our website - Once registered, you should not share your User ID or Password with anyone. By accessing or registering with the member account system through this website, you are representing that you are the member or you are legally authorized to act on behalf of the member, and you agree not to impersonate or falsely claim to represent any other person. Any individual who provides false information, attempts to pose as or impersonate someone else, or otherwise defrauds Excellus BlueCross BlueShield may be subject to civil and criminal penalties and legal action.
Service Marks/Trademarks - All BlueCross BlueShield service marks on this site are owned by the Blue Cross and Blue Shield Association, unless otherwise indicated. Excellus BlueCross BlueShield is an independent licensee of the BlueCross BlueShield Association. Other trademarks, service marks and trade names appearing on this website are the property of their respective owners.
Service Limitations - The descriptions of products and services on this site are not intended to constitute offers to sell or solicitations in connection with any product or service. All products and services are not available in all areas or to all parties, and are subject to applicable laws and regulations. If you are interested in a particular product or service, you should contact us to request a complete description of the product or service, as well as information regarding its availability.
Disclaimer - The information and graphics on the site may contain inaccuracies, typographical errors and out of date information. Your use of this site and the information and graphics contained on this site are at your own risk. Excellus BlueCross BlueShield, its affiliates or subsidiaries do not warrant, represent or guarantee the accuracy, timeliness or completeness of this site or any of the information or graphics contained on this site. This site, and all materials contained on this site, including but not limited to information, graphics, audio, video, software and other data, if any, are provided “as is” without express or implied warranties or guarantees of any kind, including but not limited to any warranty of merchantability, fitness for a particular purpose, or non-infringement.
Liability - Excellus BlueCross BlueShield, its affiliates or subsidiaries have no duty to update or keep current this site, and disclaim any responsibility for the content or accuracy of the information contained on this site. To the extent permitted by law, Excellus BlueCross BlueShield, its affiliates or subsidiaries will not be liable to you or anyone else for (1) any decision made or action taken by you or anyone else in reliance on materials or information obtained or downloaded from this site, or (2) any direct, indirect, consequential, incidental, special, or similar damages arising out of or related to the use of, delay in being able to use, or inability to use this site, the materials, products and services it provides, or any other hyperlinked website or third party product or service, even if Excellus BlueCross BlueShield, its affiliates or subsidiaries are advised of the possibility of such damages. Certain states do not allow the limitation or exclusion of liability, so some or all of the above limitations and exclusions may not apply to you.
Indemnification - You agree to defend, indemnify and hold Excellus BlueCross BlueShield, its subsidiaries, affiliates, managers, officers, members, agents, employees and representatives harmless from and against any loss, damage, liability, cost or expense of any kind, including attorneys’ fees and other professionals’ fees, incurred by Excellus BlueCross BlueShield in connection with a third party claim, action or demand due to, arising out of, related to or otherwise attributable to your use of this site, including without limitation your use of any third party information or content in connection with your use of this site, or your violation of these Terms and Conditions.
Links to Other websites - Links from this site to other websites are provided for your convenience, however, Excellus BlueCross BlueShield, its affiliates or subsidiaries do not regularly review the content of those sites. The links contained on this site do not imply any endorsement or sponsorship of those sites or any of the products or services that may be offered at those sites. Excellus BlueCross BlueShield, its affiliates or subsidiaries disclaim any responsibility for the content or accuracy of those sites.
Availability - We cannot guarantee the availability of this information upon your demand. We do our best to provide continuous availability but circumstances beyond our control may mean that there may be periods when our website is unavailable. We reserve the right to modify, suspend or discontinue any portion of this website, materials or services at any time, with or without notice.
Termination - Excellus BlueCross BlueShield reserves the right, in its sole discretion and for any reason whatsoever, to cancel, terminate, suspend or restrict, permanently or temporarily, your access to the Excellus BlueCross BlueShield site at any time and without prior notice. Excellus BlueCross BlueShield may also remove any content that you post, and cancel, modify, suspend, terminate or otherwise change or eliminate any of the services it provides, without cause and without prior notice to you. You agree that Excellus BlueCross BlueShield shall not be liable to you or any third party for any cancellation, termination, suspension or restriction of your access to the Excellus BlueCross BlueShield site, or for any change to or termination of services.
Jurisdiction - These Terms and Conditions shall be interpreted, construed, governed by and enforced in accordance with the laws of the State of New York. Under no circumstances shall the laws of any other state be applied, even where such a result would be indicated by choice of law rules. By using this site, you hereby irrevocably consent to the personal and exclusive jurisdiction and venue of federal and state courts in Monroe County, New York regarding any and all disputes relating to these Terms and Conditions or your use of the site.
Discrepancies - This website provides an overview of the benefits available under our plans. To the extent of any discrepancy between the information contained on this website and your Subscriber Contract or Evidence of Coverage, your Subscriber Contract or Evidence of Coverage takes priority.