Privacy & Legal
Privacy & Legal
Notice of Privacy Practices
THIS NOTICE DESCRIBES HOW MEDICAL INFORMATION ABOUT YOU MAY BE USED AND DISCLOSED AND HOW YOU CAN GET ACCESS TO THIS INFORMATION. PLEASE REVIEW IT CAREFULLY.
Our Privacy Promise
We understand the importance of handling your medical information with care. We are committed to protecting the privacy of your medical information. State and federal laws require us to make sure that your medical information is kept private. Federal law requires that we provide you with this Notice of Privacy Practices, which describes our legal duties and privacy practices with respect to your medical information and your legal rights with respect to our use and disclosure of your medical information. We are required by law to follow the terms of the Notice currently in effect. This Notice is effective September 23, 2013, and will remain in effect until it is changed or replaced.
We reserve the right to change our privacy practices and the terms of this notice at any time, as long as the law allows. These changes will be effective for all medical information that we keep, including medical information we created or received before we made the changes. When we make a material change to our privacy practices, we will provide a copy of a new notice (or information about the changes to our privacy practices and how to obtain a new notice) in a mailing to members who are covered under our health plans at that time.
Uses and Disclosures of Medical Information
Treatment, Payment, Health Care Operations
We may use and disclose your medical information for purposes of treatment, payment and health care operations.
Treatment: We may disclose your medical information to a physician or other health care professional to help him or her provide your treatment.
Payment: We may use or disclose your medical information for these and other activities related to payment:
- Paying claims from physicians, hospitals and other health care providers.
- Obtaining premiums.
- Issuing explanations of benefits to the named insured.
- Providing information to health care professionals or other entities that are bound by the federal Privacy Rules for their payment activities.
Health Care Operations: We may use or disclose your medical information in the normal course of conducting health care operations, including such activities as:
- Quality assessment and improvement activities.
- Reviewing the qualifications of health care professionals.
- Compliance and detection of fraud and abuse.
- Underwriting, enrollment and other activities related to creating, renewing or replacing a plan of benefits. We may not, however, use or disclose genetic information for underwriting purposes.
- Providing information to another entity bound by the federal Privacy Rules for its health care operations, in limited circumstances.
You and Your Family and Friends
We may use and disclose your medical information to communicate with you for purposes of customer service or to provide you with information you request. We may disclose your medical information to a family member, friend or other person to the extent necessary for him or her to assist with your health care or payment for your health care. Before we disclose your medical information to that person, we will give you a chance to object to us doing so. If you are not available, or if you are incapacitated or in an emergency situation, we may, in the exercise of our professional judgment, determine whether the disclosure would be in your best interest. We may also use or disclose your medical information to notify (or help notify, including identifying and locating) a family member, a personal representative or other person responsible for your care of your location, general condition or death.
Your Employer or Organization Sponsoring Your Group Health Plan
We may disclose summary information and enrollment information to your employer (or other plan sponsor). Summary information is a summary of the claims history, claims expenses or types of claims that members of your group health plan have filed. The summary information will not include demographic information about you or others in the group health plan, but your employer or plan sponsor may be able to identify individuals from the summary information provided.
We may use or disclose your medical information to a public or private entity authorized by law or by its charter to assist in disaster relief efforts.
We may use or disclose our members medical information as authorized by law for the following purposes that are in the public interest or benefit:
- As required by law.
- For public health activities, including disease and vital statistics reporting, child abuse reporting, FDA oversight, and to employers regarding work-related illness or injury.
- To report adult abuse, neglect or domestic violence.
- To health oversight agencies.
- In response to court and administrative orders and other lawful processes.
- To law enforcement officials in response to subpoenas and other lawful processes concerning crime victims, suspicious deaths, crimes on our premises, reporting crimes in emergencies and to identify or locate a suspect or other person.
- To coroners, medical examiners and funeral directors.
- To organ procurement organizations.
- To avert a serious threat to health or safety.
- In connection with certain research activities.
- To the military and to federal officials for lawful intelligence, counterintelligence and national security activities.
- To correctional institutions regarding inmates.
- As authorized by state workers compensation laws.
You may give us written authorization to use your medical information or to disclose it to anyone for any purpose. You may revoke your authorization in writing at any time. However, this will not affect any uses and disclosures we made while your authorization was in effect. Without your written authorization, we will not use or disclose your medical information for any reason except those described in this notice.
You have certain rights with respect to the medical information we maintain about you. To exercise any of these rights or to obtain more information about these rights (including any applicable fees), contact us using the information listed at the end of this notice.
You have the right to inspect or receive a paper or electronic copy of your medical information, with some exceptions. To inspect or receive your medical information, you must submit the request in writing. If you request to receive a copy of your records, we are allowed to charge a reasonable, cost-based fee.
You have the right to request, in writing, a record of instances in which we (or our business associates) disclosed your medical information for purposes other than treatment, payment, health care operations, and as allowed by law. We will provide you with a record of such disclosures for up to the previous six years. If you request a record of disclosures more than once in a 12-month period, we may charge you a reasonable, cost-based fee for each additional request.
You have the right to request, in writing, that we place additional restrictions on our use or disclosure of your medical information. By law, we are not required to agree to these additional restrictions, but if we do, we will abide by our agreement (except in an emergency). Any agreement to additional restrictions will be made in writing and signed by a person authorized to make such an agreement for us.
You have the right to request, in writing, that we communicate with you about your medical information by other means, or to another location. We are not required to agree to your request unless you state that you could be in danger if we do not communicate to you in confidence. In that case, we must accommodate your request if it is reasonable, if it specifies the other means or location, and if it permits us to continue to collect premiums and pay claims under your health plan. We will not be bound to your request unless our agreement is in writing.
You have the right to request, in writing, that we amend your medical information. Your request must explain why we should amend the information. We may deny your request if we did not create the information you want amended and the person or entity that did create it is available, or we may deny your request for certain other reasons. If we deny your request, we will send you a written explanation. .
Notice of Breach
We are required to notify affected individuals following a breach of unsecured medical information. explanation.
You may request a written copy of this notice at any time or download it from our website.
Questions and Complaints
If you want more information about our privacy practices, or if you have questions or concerns, please contact us using the information below.
If you believe we may have violated your privacy rights, you may submit a complaint to us using the contact information listed below. You also may submit a written complaint to the U.S. Department of Health and Human Services. We will provide you with that address upon request.
We support your right to the privacy of your medical information. We will not retaliate in any way if you choose to file a complaint with us or with the U.S. Department of Health and Human Services.
Attn: Privacy Officer
I 20 East @ Alpine Road (AC-200) Columbia, SC 29219
Blue Cross and Blue Shield of South Carolina, together with its affiliates (collectively referred to as “Company” or “we”) is the owner of this website (this “Site”) and, makes the Site available to you.
1. General Terms
1.2. The right to use the Site is personal to you and is not transferable to any other person or entity. You are responsible for protecting the confidentiality of your password and user name, if you have them. You may only use this Site to access information about you or your dependents. Do not use this Site to access information about any other person, including a friend or family member.
1.3. You acknowledge that the Site may experience service interruptions or events that are beyond Company’s control and that Company will not be responsible for any information you may lose while you are using the Site or when you transmit information to the Site via the Internet.
1.4. Your use of the Internet is solely at your own risk. You agree to assume all risks associated with unauthorized users of your login or other information you share with or have access to on this Site and further release us from any and all claims, liabilities and damages, of whatever nature, related to the Site.
1.5. You represent and warrant to us that you are age 18 or older. Use by those under the age of 18 is not authorized. The Site is not directed at children under the age of 13. Company does not knowingly permit registration or submission of personally identifiable information by anyone younger than 13 years of age..
2. Information on the Site
2.1. Company has no legal duty to you to update information on the Site. This means information on the Site may be out of date at any given time. Company also may make improvements or changes to the information, products, or services described on the Site at any given time without notice.
2.2. Company has no legal duty to you to ensure that the Site is correct. By using this Site, you agree not to hold Company liable for any inaccuracy of this information and you assume all the risks associated with its use.
2.3. We may modify, remove, or update information on the Site without notice. Company may change or terminate any feature of the Site, including, but not limited to, content, hours of availability, and equipment needed for access or use. Company may stop providing any information or category of information, may change or eliminate any transmission method, and may change transmission speeds or other aspects of the Site’s operation. If we terminate your access to Site, then this Agreement shall remain in full force and effect and shall survive as the governing terms of your access and use of the website and Services prior to your termination. Furthermore, we may modify or discontinue your access to any or all of the Site in our discretion at any time.
2.4 Depending on your status, you may have access to eligibility and benefits information through the Site. The information you obtain is not a guarantee of payment. Unless otherwise required by state law, any information you obtain regarding eligibility and benefits is not a guarantee of payment. Benefits are subject to all contract limits and member status on the date of service and other terms of your insurance policy or benefit plan. Also, nonpayment of premiums and other contractual limitations may result in denial of benefits or refunds. You should always consult your insurance policy or benefit plan document about what your insurance policy or benefit plan covers.
Accumulated amounts such as deductibles may change as additional claims are processed. Deductible and out-of-pocket limits may not apply for all services under your benefit plan. The deductible and out-of-pocket status information is a standard calculation based on the limits for professional outpatient services performed in a hospital. If your benefit plan does not impose a limit for this service or includes different limits for other types of services, the actual amounts may vary.
The replacement deductible is for the deductible specific to the service type requested. This replaces the global deductible for this service type. Please contact Customer Service for additional information regarding benefits
2.5 Nothing contained, expressed, or implied in the Site is intended as, nor shall be construed or understood as, medical advice. No doctor-patient or other medical provider-patient relationship is established between Company and you by reason of your use of the Site or under any circumstances whatsoever. The information in the Site is for general informational purposes only. If you have questions about medical issues or health information arising from your use of the Site, you should contact your own health professional.
2.6 Nothing contained, expressed, or implied in the Site is intended as, nor shall be construed or understood as, legal or financial advice, guidance, or interpretation. No attorney-client or accountant-client relationship is established between Company and you by reason of your use of the Site or under any circumstances whatever. The information in the Site is for general informational purposes only. If you have questions about any law, statute, regulation or requirement expressly or implicitly referenced in the Site, or its financial ramifications, you should contact your own legal counsel, financial professional, or both.
2.7 Confidentiality of Communications: Communications that you post to the Site are not confidential. You are responsible for your own communications and the consequences of such posting. Some parts of this Site may allow you to post, or to e-mail to Company, materials or information ("Visitor Content"). Communications that you post to the Site are not confidential. You are responsible for your own communications and the consequences of such posting. You grant Company the unrestricted right to use or distribute, free of charge, any Visitor Content posted on this Site by you or anyone using your login information. COMPANY DOES NOT REPRESENT OR GUARANTEE THE TRUTHFULNESS, ACCURACY OR RELIABILITY OF ANY COMMUNICATIONS POSTED BY OTHER USERS OR ENDORSE ANY OPINIONS EXPRESSED BY OTHER USERS. ANY RELIANCE ON MATERIAL POSTED BY OTHERS IS AT YOUR OWN RISK.
Company may review, remove or edit any Visitor Content at its discretion. COMPANY HAS NO RESPONSIBILITY AND ASSUMES NO LIABILITY FOR VISITOR CONTENT POSTED BY YOU OR BY ANY OTHER PARTY.
3. Proprietary Rights
3.1 This Site and all contents posted on the Site are the exclusive property of Company or are licensed to Company for its use. Company is the owner or licensee of the copyright in the entire content (including images, text, and look and feel attributes) of the Site and reserves all rights in that regard. Except as provided in Section 3.3, below, YOU MAY NOT POST, LINK, OR MAKE OTHER MODIFICATIONS TO THE SITE OR COPY MATERIAL FROM THE SITE WITHOUT COMPANY’S EXPRESS WRITTEN CONSENT.
3.2 Company does not transfer or grant any of its intellectual property or other rights to you, including any copyright, trademark, service mark or patent rights, all of which Company expressly reserves for itself. You may not remove or change any copyright notice on any material on the Site.
3.3 You may make reasonable use of the Site and content on the Site for your personal or household purposes. You may not use content on the Site for any commercial purpose. You agree not to distribute, manipulate, create derivative works from, or use the information on this Site for any purpose other than as described above or as expressly authorized by Company. You acknowledge that you do not acquire any ownership rights by copying or downloading copyrighted material. Furthermore, you agree that you shall comply with all applicable laws, regulations or other government directives regarding your use. You agree that you do not have permission to use and will not use the Site: (i) to access any information for which you do not have the legal right to view; or (ii) to distribute or publish any defamatory statements, pornographic material, copyrighted, trademarked or other proprietary material. You may not submit or post any material or information which is illegal, obscene, threatening, defamatory, invasive of privacy, or infringing of proprietary rights of any person or entity, or which contains software viruses, corrupted data, cancel bots, commercial solicitations, or mass mailings or any form of "spam." You may not use a false e-mail address to impersonate any person or otherwise mislead as to the origin of any material or information you submit or post.
3.4 Any violation of this Agreement may result in copyright, trademark, or other intellectual property right infringement that may subject you to civil and/or criminal penalties. The Site contains Company’s copyrighted material, trademarks, and other proprietary information, including, but not limited to, text, software, photos, video, graphics, music, and sound. This content is protected by copyright as a collective work under the United States copyright laws.
4. Security/Privacy; Other Websites; Information Sharing; Mobile Device Information Usage; Consent to Usage of Information; Email Usage; Cookies and Similar Technologies
4.1 Security/Privacy: This Site has security/privacy measures in place to protect against the loss, misuse and alteration of the information under our control. While your Username and Password are used to initially recognize you as an enrolled member, some of the functions offered by the Site may require a higher level of validation and will use your member/group/provider/agent number and date of birth to allow access to these functions. We use your Internet Protocol (IP) address to help diagnose problems with our server, and to administer our website. Your IP address is also used to help identify you and to help gather broad demographic information. Although we have security and privacy measures in place, we cannot guarantee that unauthorized third parties (including computer hackers) will not gain unauthorized access to your information or otherwise misuse the system. Use your own best judgment when sending information via the Internet to an email address or website. Email sent via the Internet may pass through private and public networks with varying levels of security. Some networks may have taken steps to secure email transmissions while others have not, thereby compromising the privacy and integrity of an email. An email may be copied, altered or destroyed.
4.2 Third Party Sites, Terms and Information Sharing: As you navigate through the Site, you will be able to link to other sites for special offers or information. Please note that we provide these links for your convenience, but inclusion of the link does not imply endorsement by us. We do not guarantee any third party’s performance and do not guarantee any of the services or materials provided by any third party. The linked sites are not under our control and we are not responsible for the contents of any linked site or any link contained as a linked site. You may be required to accept a linked website’s separate terms and conditions in order to access such website. Some linked sites may provide particular, personalized services. For the linked site to provide this type of detailed information, it may be necessary for us to provide the linked site with specific information related to your personal information. Your acceptance of this Agreement constitutes your agreement that we may provide such linked sites with necessary personal information. Because we do not control the linked sites, we encourage you to understand the privacy policies of linked sites. Obviously, we cannot be responsible for the privacy practices or the content of such websites. With regard to third party information, we do not endorse or otherwise recommend or approve any product or information located on or available through the Site.
4.3 Mobile Device Usage and Information. You agree to the following:
(a) Mobile usage includes any program or service accessed or used via your mobile device (e.g. an iPhone or smart phone) and the software modules operating within our mobile environment and appearing on your mobile device that provide you access to a variety of content and services.
(b) We collect information for mobile usage, such as your device type and hardware IDs; the request type; your mobile carrier; your mobile carrier’s user ID; the content of your request; basic usage stats about your device; and use of our products and services. This information does not by itself identify you to us, though it may be unique or consist of or contain information that you consider personal.
If you use location-enabled products and services, such as Google Maps for mobile, you may be sending us location information. This information may reveal your actual location, such as GPS data, or it may not, such as when you submit a partial address to look at a map of the area.
Certain use of our products and services allows you to download and/or personalize the content you receive from us. For these products and services, we will record information about your downloads and preferences, along with any information you provide about yourself. If the product or service requires you to log in with a specific account, this information will be associated with your account.
(c) All requests made via your mobile device must be sent through your mobile carrier's network and your mobile carrier may have access to it. For information regarding your mobile carrier's treatment of your information, please consult your mobile carrier's privacy policies
4.5. Consent to use of Email: You agree Company may use any email address you supply to correspond with you regarding the Site, to provide any services, products, or benefits to you, your spouse or your dependents and to send other communications, including, without limitation, marketing communications, to you, your spouse or your dependents. Company also may retain this email address for such future use as Company may determine. Additionally, Company may send email responses to questions submitted to “Ask Customer Service” or “Ask Provider Services”. If you would like to update your personal information, you may do so either via the website’s Ask Customer Service or Ask Provider Services function or by calling the Customer Service department.
5 Limitation of Liability; Warranties
5.1 By using the Site, any programs or tools on the Site, and any third-party sites to which you may link through the Site you agree to (a) release Company from any and all claims, liabilities or damages related to such use and (b) accept all risks related to such use.
5.2 You agree not to hold Company responsible for any damages or injury, whether for breach of contract, tortious behavior, negligence, or under any other cause of action, caused by any failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communication line failure, theft or destruction, or unauthorized access to, alteration of, or use of records or information made available on (a) the Site, (b) any program or other tool available at the Site, or (c) any third-party site to which you may link through the Site. Without limiting the foregoing, you specifically agree not to hold Company responsible for the defamatory, offensive, or illegal conduct of any third party using the Site.
5.3 ALL MATERIALS ON THIS SITE ARE PROVIDED AS IS, WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED. COMPANY DISCLAIMS ANY AND ALL EXPRESS AND IMPLIED WARRANTIES, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT..
5.4 COMPANY SHALL NOT BE LIABLE FOR ANY SPECIAL, INDIRECT, PUNITIVE, INCIDENTAL, OR CONSEQUENTIAL DAMAGES, INCLUDING, WITHOUT LIMITATION, LOST REVENUES OR LOST PROFITS, THAT MAY RESULT FROM THE USE OF THIS SITE, THE MATERIALS POSTED ON THE SITE, AND LINKS PROVIDED ON THIS SITE.
5.6 The Site is controlled and operated by the Company from offices in the United States. Company makes no representation that materials provided on the Site are appropriate or available for use in other locations and access to them from locations in which their contents are illegal is prohibited. Those who choose to access the Site from such other locations are responsible for compliance with applicable local laws.
6.2 You agree that any cause of action arising out of or related to the Site or your use of the Site must commence within one (1) year after the cause of action accrues. Otherwise, such cause of action is permanently barred.
6.4 By using this Site, you agree that any claim, suit or dispute resolution proceeding will be conducted only on an individual basis and not in a class or representative action.
7.1 Electronic Signature and Agreement: You agree that the act of clicking the words “Continue” or “Yes” or “I agree” or any similar phrasing anywhere in using this Site is intended by both parties to be an electronic signature that has the same significance as a signature in ink and that both such signature and this Agreement are considered to be in writing to the maximum extent permitted by law.
7.3 You agree that, if you experience any problems in using this Site or need to request assistance in using this Site, you should contact the following: 877-274-1715
7.4 This Agreement does not establish any relationship or partnership, joint venture, employment, franchise or agency between you and us.
7.5 If any provision of this Agreement is determined to be invalid or unenforceable, then all other provisions of this Agreement shall remain in full force and effect. If any provision of this Agreement is determined to be invalid or unenforceable, then the court shall enforce this Agreement to the maximum extent allowed by law or equity.
Revised: December 5 2018
The Information We Collect, Use, and Disclose
Information About Your Use of the Site: When you visit this Site, it automatically captures your domain name, the IP address of the Web page from which you enter the Site, the pages you visit on the Site, and the amount of time you spend on the Site. This information alone does not identify you to us. In addition, we collect information about the use of various features of the Site, such as the extent to which certain features are used and the links or information that users access. We use this information to better understand how the Site is used, to improve and expand the Site, and to enhance your and other users’ experience with the Site.
We may hire third-party contractors to monitor, evaluate, and help improve users’ experience on our website. These contractors may have access to the information described above, subject to contractual obligations to comply with privacy and security requirements.
Protected Health Information. The Site includes pages that give you the opportunity to provide us with personal information about yourself. You are not required to provide personal information to use the Site, but personal information is necessary for certain functions of the Site. Personal information you provide to us on this Site(“Protected Health Information”) is subject to the HIPAA Privacy Rule. When Company collects Protected Health Information on this Site, Company’s HIPAA Privacy Practices Notice (please view the Privacy Practices section), describes how the Protected Health Information may be used and disclosed and the rights you have with respect to the information.
Once you download Protected Health Information from the Site, it is your responsibility to safeguard the information. We are not responsible for any third party’s access to your Protected Health Information once you have downloaded it.
Privacy and Security
Company is committed to taking appropriate measures to protect your privacy against unauthorized disclosures. Company and its third-party web vendor use a variety of safeguards and techniques designed to protect the confidentiality,integrity, and (when appropriate) availability of your information. You should be aware, however, that website security technology changes rapidly and that any security system can be “hacked.” Accordingly, we cannot guarantee that these safeguards will ensure the safety of your information in all situations or that your information will not be intercepted while being transmitted to or by us over the Internet. In any event, Company is not responsible for (and not liable for) third parties’ illegal or criminal activity.
The Site may contain links to websites of third parties that you may access.These websites have their own privacy policies and we recommend that you review those policies before using those websites. We cannot control the information disclosed to or by these third-party websites or how that information is used and disclosed.
The Site is not directed at children under the age of 13. Company complies with the Children’s Online Privacy Protection Act (“COPPA”) and does not knowingly permit registration or submission of Protected Health Information by anyone younger than 13 years of age without the consent of a parent or guardian. To best protect your child’s privacy, please carefully supervise your child’s access to the Internet and this Site. For more information on how to protect your child’s privacy, you can visit the Federal Trade Commission’s Kids privacy page, accessible via www.ftc.gov.
Notice for Users Outside of the United States
To contact us regarding this policy and our related privacy practices, please contact us at:
Attn: Privacy Officer
I 20 East @ Alpine Road (AC-200) Columbia, SC 29219
If you believe we or any company associated with us has misused any of your information please contact us immediately and report such misuse.