Terms and Conditions of Use

Acknowledgment of the Company’s Terms and Conditions of Use

As a user of the Company’s web content, it is imperative that you review and understand the Company’s policies concerning use of its websites contained within the Company’s "Terms and Conditions of Use" and "Website Privacy Policy."

By using the Company’s websites, you are consenting to the Terms and Conditions of Use and the Website Privacy Policy set forth below. Likewise, you acknowledge that use of the Company’s websites is at your risk and discretion.

The Company reserves the right at its discretion to modify the Terms and Conditions of Use and the Website Privacy Policy from time to time. Your continued use of the websites after any such modifications shall constitute your agreement to be bound by any such changes. The Company may modify, suspend or discontinue all or any portion of its websites without notice or liability.

Disclaimer

The information contained on these websites (or presented during any online chat session) is for informational purposes only and no warranty is made that the information is error-free. The information contained within the Company’s web pages may be, at any time, outdated and may include inaccuracies and/or errors. Information may change at any time without notice.

NEITHER COMPANY, NOR ANY OF ITS AFFILIATES, EMPLOYEES, AGENTS, LICENSORS OR CONTENT PROVIDERS MAKES ANY REPRESENTATIONS OR WARRANTIES OF ANY KIND REGARDING ITS WEBSITES, THE CONTENT OR ANY SERVICE PROVIDED HEREIN. THE CONTENT AND SERVICES ARE PROVIDED ON AN "AS IS" BASIS AND COMPANY SPECIFICALLY DISCLAIMS ANY EXPRESS OR IMPLIED WARRANTIES, INCLUDING WITHOUT LIMITATION, WARRANTIES OF FITNESS FOR A PARTICULAR PURPOSE, WARRANTIES OF MERCHANTABILITY OR WARRANTIES AGAINST INFRINGEMENT. COMPANY, ITS AFFILIATES, EMPLOYEES, AGENTS, LICENSORS AND CONTENT PROVIDERS SHALL NOT BE LIABLE FOR ANY DAMAGES OR LOSSES, INCLUDING, WITHOUT LIMITATION, INDIRECT, CONSEQUENTIAL, SPECIAL, INCIDENTAL OR PUNITIVE DAMAGES, LOST PROFITS, LOSS OF PROGRAMS OR DATA, OR INTERRUPTION IN BUSINESS ACTIVITY, RESULTING FROM OR CAUSED BY THE COMPANY’S WEBSITES, THEIR CONTENT, OR ANY SERVICES PROVIDED HEREIN.

Website Does Not Replace Professional Advice

Content and data within the Company’s websites (or presented during any online chat session) are to be used for informational purposes only and should not replace professional advice.

If you are a member of one of the Company’s health plans or an individual seeking information the Company’s benefit plans, please note that independent decision making is expected regarding matters pertaining to personal health, well being, and investment. In other words, the information on the website should not and cannot be used in lieu of professional attention (e.g., a user should go to a family physician if concerned about an ailment and should not rely on this, or any other, website for diagnosis or treatment advice).

Not a Solicitation

Nothing within the Company’s websites is to be construed as an offer to sell or solicit insurance.

Products offered by the Company vary state-to-state and are subject to the requirements of each respective state and the terms and conditions of each policy. All products are not available in all areas and some products may only be available for employer groups.

Regarding Claims, Benefits, and Medical Management

The information provided within the Company’s web pages (or presented during any online chat session) does not represent a guarantee of coverage or specific payment. All health plan benefits are subject to the terms, conditions and limitations of the specific policy issued, including, but not limited to, eligibility, pre-certification, exclusions and limitations, and medical necessity requirements. For further information on a policy and its limitations, please contact our customer service department at the number indicated for the health plan on the Company’s website or, if you are a member, on your health plan ID Card.

If you are a health care provider, nothing contained in the Company’s websites is intended to indicate a guarantee of reimbursement for a particular service rendered or member seen. As a health care provider, your relationship with Company is governed by the terms and conditions of your participating provider agreement with Company. If you submit any information to Company via any of Company’s website’s, then by submitting such information you certify that such submitted information is true and accurate. The submission of false or misleading information will be subject to action by Company and/or appropriate law enforcement.

Intellectual Property

The Company’s website addresses and all content and images contained within the websites, as well as all copyright, trademark, trade dress and other rights therein, are owned or licensed by the Company and its affiliates. Nothing contained on the Company’s websites should be construed as granting, by implication, estoppel or otherwise, any license or right in or to such information or trademarks without the express written permission of the Company. You agree not to copy, use or otherwise infringe upon any trademarks or service marks contained in the Company’s websites. You further agree that you will not alter or remove any trademark, copyright or other notice from any copies of the information downloaded from the Company’s websites.

Third Party Websites

The Company’s websites may contain links to third party websites. These links are provided for your convenience and the Company is not to be held responsible for information contained in any third party websites, regardless of whether there are connections to or from the Company via hyperlinks and/or pointers. The Company does not have control over any information on any other organization’s website(s).

When leaving the Company website to visit another website we recommend that you review that third party’s terms and conditions of use and privacy policy. If you leave the Company’s website via a link, please remember:

• The Company does not endorse the content and accuracy of the websites you are about to visit, and therefore, disclaims responsibility for their content and accuracy;

• The Company does not make any express or implied warranties, representations or endorsements whatsoever with respect to the linked websites you visit;

• In no event will the Company be liable to you or to anyone else for any decision made or action taken by you or anyone else in reliance on results obtained from information available from any websites for which we provide a link; and

• The Company Plan is not to be held responsible for information contained in Third Party websites whereby there is a connection to or from the Company via hyperlinks and/or pointers.