The Blue Cross Blue Shield Association (BCBSA) is headquartered in Chicago, Illinois, USA. The independent local Blue Cross and Blue Shield Plans in the United States underwrite and provide customer service and claims processing functions for Blue Cross and Blue Shield Service Benefit Plan members worldwide.
Questions and comments, including the reporting of any non-functioning links in the website, should be submitted to the local Blue Cross and Blue Shield Plan. You may call the Plan at the customer service number located on the back of your member ID card during regular business hours or you can submit an electronic inquiry using the Customer eService link provided on our homepage. If you are not a Service Benefit Plan member, the number for the local Blue Cross and Blue Shield company can be found in the Contact Us
section of this website.
1. Protected access website:
The website and its contents are primarily intended for use by members covered under, and persons eligible to enroll in, the Blue Cross and Blue Shield Service Benefit Plan. All passwords used to access specific areas of the website must be kept confidential. Under no circumstances should you share your password with or provide access to the website for an unauthorized person or entity.
2. Proprietary rights:
All material contained in this website is protected by law, including without limitation United States copyright law. BCBSA also owns a copyright in this website as a collective work and/or compilation, and in the selection, coordination, arrangement, organization and enhancement of website content. Removing or altering the copyright notice on any material on the website is prohibited. Unless otherwise indicated, Blue Cross and Blue Shield companies and their controlled affiliates may reproduce and distribute content solely for use in conjunction with the conduct of their own businesses, provided that all copyright notices are included and the content is not materially altered. Unless otherwise indicated, prior written consent is required in order to modify or create derivative works based upon the content of this website. All trademarks, service marks or other logos featured on the website are protected by law. Use or misuse of these trademarks, service marks or logos is expressly prohibited and may violate federal and state law.
Please be advised that BCBSA actively and aggressively enforces its intellectual property rights to the fullest extent of the law.
3. Appropriate Use:
You may not use the website to send offensive or disruptive material, including without limitation offensive sexual, racial or gender related material, material that violates the Association’s non-discrimination policies, viruses or other material that may disrupt or interfere with hardware or software functionality, or spam. Notwithstanding the foregoing, BCBSA is not responsible and shall not be liable for the contents of content posted to or sent from the website by visitors or persons, other than BCBSA employees, in email, forums, surveys, or by any other means. Opinions or comments contained in such content reflect the views of the author and not of BCBSA unless BCBSA expressly states to the contrary.
Nothing contained, expressed, or implied on this website is intended as nor shall be construed as medical advice. No doctor-patient relationship is established between BCBSA and you by reason of your use of this website or under any circumstances whatsoever. Individual inquiries about medical issues, or sensitive or confidential matters should be addressed to the appropriate healthcare professionals. You should not rely upon the website in any way in the event of an emergency health situation. In such an emergency situation, the user should instead call 911 or his/her healthcare provider.
4. Contributions to the Site:
BCBSA welcomes your input, feedback, and suggestions about how to improve our products and services, and this website. By transmitting any suggestions, material, information, or other content (collectively, “content”) to BCBSA, you automatically grant BCBSA the royalty-free, perpetual, irrevocable, non-exclusive right and license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, redistribute, transmit, perform and display such content (in whole or part) worldwide and/or to incorporate it in other works in any form, media, or technology now known or later developed for the full term of any rights that may exist in such content. Further, unless otherwise agreed to in advance, BCBSA is free to use any ideas, concepts, know-how, techniques, and suggestions contained in any communications you send to this Site for any purpose whatsoever, including but not limited to creating and marketing products and/or services using such information.
You can submit your feedback and suggestions to your local Blue Cross and Blue Shield company. The addresses for each local company are available in the Contact Us
section of this website.
5. Corrections and changes:
While we endeavor to keep the materials on the website up to date, BCBSA cannot assume responsibility for any errors or omissions in these materials. BCBSA further does not warrant the accuracy or completeness of the information, text, graphics, links or other items contained within these materials. BCBSA may make changes to these materials, or to the products or services described herein, at any time without notice, and makes no commitment to update the information contained herein.
BCBSA reserves the right to terminate your access to this website in the event that you violate these terms and conditions, or for any reason whatever.
6. Links to other websites:
This website may contain links to other Internet sites, extranet sites, or sites on other networks for the convenience of users in locating information and services that may be of interest, as well as links to our Business Partners, including Blue Cross and Blue Shield companies, Chip Rewards, Prime Therapeutics (Specialty Pharmacy), CVS Caremark (Pharmacy), WebMD Health Services (Health Tools), Davis Vision (FEP BlueVision®), DeCare Dental (FEP BlueDental®), AXA Assistance (Overseas benefit and provider information), and the FEP® Operations Center (Customer eService), who work with BCBSA to provide benefits and services to Service Benefit Plan members, FEP BlueDental and FEP BlueVision members. With the exception of the websites of our business partners, visitors to the website acknowledge that these are third-party sites maintained by persons or organizations over which BCBSA exercises no control, and for which BCBSA disclaims any responsibility for the content, the accuracy of the information and/or quality of products or services provided by or advertised on these third-party sites. BCBSA does not control, endorse, promote, or have any affiliation with any other website unless expressly stated on the website. This includes the websites of Blue Cross and Blue Shield companies and our Business Partners, Chip Rewards, Prime Therapeutics, LLC (Specialty Pharmacy), CVS Caremark (Pharmacy), WebMD Health Services (Health Tools), Davis Vision (FEP BlueVision), DeCare Dental (FEP BlueDental), AXA Assistance (Overseas benefit and provider information), and the FEP Operations Center (Customer eService).
7. Use of the Internet:
Use of the Internet is solely at your own risk and is subject to all applicable state, national and international laws and regulations. Neither BCBSA nor its affiliates will be liable for any loss resulting from a cause over which they do not have direct control, including but not limited to failure of electronic or mechanical equipment or communication lines, telephone or other interconnect problems, computer viruses, unauthorized access, theft, operator errors, severe weather, earthquakes, natural disasters, strikes or other labor problems, wars, or governmental restrictions.
8. Confidentiality and security cannot be guaranteed:
Please be advised that the confidentiality of any communication or material transmitted using the public Internet or non-secure Internet electronic mail cannot be guaranteed.
While this website resides on the public Internet, we use customized, state-of-the-art software to help ensure the confidentiality and security of any communications transmitted to Blue Cross and Blue Shield companies from www.fepblue.org
. Notwithstanding these efforts, BCBSA cannot guarantee the confidentiality and security of such electronic communications.
9. Privacy statement:
section to learn more.
10. No legal advice:
Nothing contained, expressed, or implied in this website is intended as, nor shall be construed or understood as, legal advice, guidance, or interpretation. No attorney-client relationship is established between BCBSA and you by reason of your use of this website or under any circumstances whatever. The information in this website is for general informational purposes only. If you have questions about any law, statute, regulation, or requirement expressly or implicitly referenced in this website, you should contact your own legal counsel.
11. Securities information:
This website and the information contained herein does not constitute an offer or a solicitation of an offer for the purchase or sale of any securities. The website may contain information and press releases about BCBSA, Blue Cross and Blue Shield companies and controlled affiliates and business partners, and although this information was believed to be accurate as of the date prepared, BCBSA disclaims any duty or obligation to update such information. To the extent that any information is deemed to be a “forward looking statement” as defined in the rules and regulations of the Securities Act of 1933, as amended, such information is intended to fit within the “safe harbor” for forward looking information and is subject to material risk factors, which may or may not be disclosed herein.
12. Disclosure for uses and response times for email, electronic messages, and other communications transmitted via the website:
BCBSA makes no guarantees about its response to emails, electronic messages, and other communications transmitted in response to services available through our Business Partners accessed through this website. However, it will attempt to answer all such communications brought to our attention within 30 days of receipt of such communication.
13. Editorial Policy:
Our mission is to give our members well written, up-to-date, trustworthy and accurate online benefit and health-related information about the Blue Cross and Blue Shield Service Benefit Plan to empower our members to make informed and appropriate decisions about their health insurance coverage and healthcare needs.
We take prudent steps to ensure we do not provide false and/or misleading information on this website. The information on this website is not intended to replace the advice of a physician or other healthcare professional. Always consult your physician to determine your personal healthcare needs.
Material on the website is updated weekly and reviewed at least annually to ensure the information is up-to-date and accurate.
The Blue Cross Blue Shield Association creates original content for web information and for our newsletters. We identify the subjects for the articles based upon what is happening in healthcare, in the federal healthcare environment and in the lives of all our members. Web features and topics include a more detailed explanation of benefits available under the Service Benefit Plan coverage, such as dental care, preventive care, incentive programs and Medicare. We also provide information about how new laws affect you and your coverage and the benefit changes for the upcoming year.
Health-related information and newsletter articles highlight emerging trends, such as healthy living. Articles on specific health related topics, such as diabetes, smoking cessation and fitness, are based on information available on our Health Tools website, and as needed other sources, such as www.cdc.gov
All newsletters include authorship and source identification for each article, and are dated on the contents pages. Health-related information is dated and has source identification. Articles in the online newsletter and other information on the Web site, may be written by various individuals. Where appropriate, we will include a summary of the person's experience and qualifications. While we believe the articles we provide contain up-to-date and accurate information, regardless of the authorship, we cannot guarantee the accuracy of the information.
All material for the website is reviewed by the legal counsel of the Blue Cross Blue Shield Association, as well as experts with appropriate experience and training in health information, benefits, medical case and disease management, communications, finance, and privacy to provide educated and fact-based feedback and comments. All information is reviewed before it is added to the website. The scope of the review responsibility includes but is not limited to:
- Overseeing development, implementation and maintenance of website principles and standards
- Establishing editorial policy standards and overseeing implementation
- Evaluating the quality of member communications on the features of this website
- Identifying opportunities for improvement and establishing priorities among them
- Evaluating the website to oversee compliance with regulatory and accreditation standards
All Blue Cross Blue Shield Association authors and content providers are required to avoid any situation where a conflict could or appear to exist between their personal interests and those of the Blue Cross Blue Shield Association. Compliance with this policy requires full disclosure of any potential or actual conflicts of interest so a determination can be made whether a conflict actually exists and to eliminate or avoid a conflict. BCBSA employees are required to sign annual Disclosure Agreements. BCBSA employees are also required to annually certify knowledge of the code of ethics.
This website does not accept advertising nor does it receive funds from advertising.
14. Disclaimer of Warranty and Liability:
USE OF WWW.FEPBLUE.ORG IS ENTIRELY AT YOUR OWN RISK. NEITHER THE BLUE CROSS BLUE SHIELD ASSOCIATION NOR THEIR AFFILIATES ARE RESPONSIBLE FOR THE CONSEQUENCES OF RELIANCE ON ANY INFORMATION CONTAINED OR SUBMITTED TO THIS WEBSITE, AND THE RISK OF INJURY FROM THE FOREGOING RESTS ENTIRELY WITH YOU. THESE MATERIALS ARE PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. BCBSA SHALL NOT BE LIABLE FOR ANY DIRECT, SPECIAL, INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, LOST REVENUES OR LOST PROFITS, WHICH MAY RESULT FROM THE USE OF, ACCESS TO, OR INABILITY TO USE THESE MATERIALS. UNDER NO CIRCUMSTANCES WILL THE TOTAL LIABILITY OF BCBSA TO YOU EXCEED THE PRICE PAID FOR USE OF WWW.FEPBLUE.ORG.
You agree to defend, indemnify, and hold harmless BCBSA, its affiliates and subsidiaries, and all of their respective directors, officers, employees, representatives, proprietors, partners, shareholders, servants, principals, agents, predecessors, successors, assigns, and attorneys from and against any and all claims, proceedings, damages, injuries, liabilities, losses, costs, and expenses (including attorney’s fees and litigation expenses) relating to or arising from your use of the website and any breach by you of these terms and conditions.
16. Governing law and jurisdiction:
These terms and conditions will be governed by and construed in accordance with the laws of the State of Illinois, without reference to its choice of law rules. By accessing, viewing, or using the material on the website, you consent to the jurisdiction of the federal and state courts presiding in Chicago, Illinois, and agree to accept service of process by mail and hereby waive any and all jurisdictional and venue defenses otherwise available. This website is controlled and operated by BCBSA from its offices within the United States. BCBSA makes no representation that materials in the website are appropriate or available for use in other locations, and access to them from territories where their contents are illegal is prohibited. Those who choose to access this website from other locations do so on their own volition and are responsible for compliance with applicable local laws.
These terms and conditions constitute the entire agreement between you and BCBSA with respect to your use of the website. If any part of these terms and conditions is held to be invalid or unenforceable for any reason, the remaining parts will remain in full force and effect. You acknowledge that, in providing you access to and use of the website, BCBSA has relied on your agreement to be legally bound by these terms and conditions. BCBSA reserves the right to terminate your access to the website in the event that you violate these terms and conditions, or for any reason whatever.
© 2000-2017 Blue Cross Blue Shield Association. All Rights Reserved. Revised 2018.