Privacy Policies

Information may be collected in the following ways on this website and application:

• If we provide user account access, you may elect to establish an account so that you can gain additional access to online service applications, health tools, health information, subscriptions, or other services where it is important for us to know who you are in order to best meet your needs. Providing personal information is always voluntary.
• We may use “cookies” and/or other web trackers to help us improve this website and application by tracking your navigation habits and storing some of your preferences. A cookie is a small file created by a website or application to store information on your computer. Cookies do not allow websites or applications to gain access to other information on your computer. Once a cookie is saved on your computer, generally only the website or application that created the cookie can read it.
• An Internet Protocol (IP) address is a number that automatically identifies the computer or mobile device that you are using to access the Internet. The IP address enables our server to send you the site pages that you want to visit, or the data you want to view. The IP address may disclose the server owned by your Internet Service Provider. We use your IP address to help diagnose problems with our server and to support our administration of this website and application.

Traffic/Usage Data: We may track certain information about your visits to the Site/Application. The information tracked may include:

• the referring source that may have sent you to the Site/Application URL;
• domain servers/services;
• types of computer systems/devices accessing the Site/Application;
• types of web browsers used to access the Site/Application;
• other information associated with the interaction of your browser and the Site/Application; and
• IP address.

Any personal information that you provide is used for the purpose for which you provide it and to better improve or customize services being provided. For example, if you use location services to find a provider near your current location, your location is used only to facilitate that function. Or if you provide us with an email address, we will only use it in a manner consistent with your consent for us to do so.

Requesting or Signing Up to Receive Information:

By submitting your email address or other contact information, you authorize us to send you information and educational materials about health plan options and services available to you. This authorization is voluntary, and your treatment, payment, enrollment, or eligibility for benefits are not conditioned on providing this authorization. You have the right to withdraw this authorization and opt-out at any time by calling toll-free at 1-844-203-3796 to be put on internal Do Not Mail and/or Do Not Email lists. It may take up to two weeks to process your opt-out request once it is received. Opting-out will not affect any action taken before your opt-out request is processed. You are entitled to a copy of this authorization.

We may also gather quantitative user information, such as the number of users and the pages or data accessed, to perform administrative, technical, hosting, or other functions that help us manage our website and application and deliver new functionality to you. We may use your personal information with technology to better support and enable services provided to you. We do not sell, license, transmit, or disclose personal information that you provide to us to third parties except with the following exceptions:

• Upon your authorization;
• When such disclosure is necessary to allow us and our contractors or agents to carry out treatment, payment, or healthcare operations; or
• When required or permitted by law.

We follow data minimization principles and retain personal information for periods of time reasonably necessary to perform our services, except where retaining data for longer periods is necessary to improve or provide services or as otherwise disclosed in our applicable policies or permitted, by law. How long we keep your data will depend on the data type and state, federal, and contractual requirements.

We retain personal information that is serving a legitimate business purpose, is relevant to pending or reasonably anticipated litigation, and/or is required to be retained in compliance with applicable laws and regulations and for certain periods of time depending on the level of sensitivity in the data which may be tied to: business processes and programs; legal obligations under applicable statutes, regulations and/or contracts; or individual consent to use information.

We may work with third-party service providers who may place third-party persistent cookies, web beacons, or similar technologies to collect anonymous information about the use of our websites and applications. They are not permitted to collect any personal information, and this information will be solely used for web usage analysis for a better understanding of how individuals use our website application, and/or to customize our content and advertising.

Providing personal information through this website or application is optional. Personally identifiable information will not be collected from you without your knowledge and approval. You will be told when your failure to provide information might affect your ability to enroll in or use a product or service.

If you do not wish to have your activity on this website and application tracked, you can opt-out at any time here. The link will allow you to discontinue first-party cookie tracking of your web activity for the current computer and browser you are using. NOTE: The opt-out option is not managed by us.

You also have the choice to opt-out of third-party cookies, web beacons, or similar technologies. If you do not want third-party service providers to collect your anonymous information for marketing purposes, visit the Network Advertising Initiative (NAI) website to opt-out.

Additionally, you can direct your Internet browser to notify you and seek approval whenever a cookie is being sent to your hard drive. You may also delete a cookie manually from your computer, tablet, or smartphone through your Internet browser settings or other programs. You can also set your browser to refuse all cookies. Please note that some parts of this website or application may not function properly or be available to you if you refuse to accept a cookie or choose to disable the acceptance of cookies.

We do not respond to web browser “do not track” signals, except where required by law. As such, your navigation of our website and application may be tracked as part of the gathering of quantitative user information described above. If you arrive at our website or application by way of a link from a third-party application that does respond to “do not track” requests, the recognition of any “do not track” request you have initiated will end as soon as you reach our website or application.

We may provide email and fax links to further facilitate communication for our members and their designee’s and caregivers. Information collected through email may be shared with our Member Services department, other associates, or third parties that perform services on our behalf. Unless otherwise noted, email through our website or application is not a completely secure and confidential means of communication. Non-encrypted email may be accessed and viewed by other Internet users without your knowledge and permission while in transit to us.

Also, if you request that we email or fax information about you to someone using the email and fax capabilities in this website or application, that email or fax may not be completely secure. Please verify email addresses and fax numbers carefully before submitting such a request.

Texting Terms and Conditions apply when you provide prior express consent to receive text messages from us or our affiliates, subsidiaries, agents, contractors, or vendors ("us" or "we" or "our'). Text messaging from us may include one-time or recurring texts related to your benefits, programs, products, services, and tools, and/or general health information. Text messages may be generated with the assistance of artificial intelligence (AI). At enrollment for recurring texting programs, we specify the frequency of texts and information on how to unsubscribe and seek assistance. In all programs, you may text “STOP” to stop messaging for that program and "HELP" for help. Text messages will be sent to your mobile number using an automatic dialing system. Message and Data rates may apply.

Participation is optional. If you elect to receive PHI via text this makes the data transmitted available to your phone carrier and potentially others. We provide alternative means for communicating including phone.  We do not require that you agree to receive texts for this purpose to receive treatment, payment, or for benefits enrollment and eligibility.

If you no longer want to receive text messages from us, you will need to do this by ending enrollment in the specific texting program.

Under no circumstances will we be liable for any direct or indirect, incidental, consequential, special, exemplary, or punitive damages arising out of or in connection with use of text messaging whether or not we have been advised of the possibility of such damages.

We do not guarantee the successful delivery of text messages by your wireless provider. Messages sent by text may not be delivered if the mobile device is not in range of a transmission site, or if sufficient network capacity is not available at a particular time. Even within a coverage area, factors beyond the control of wireless carriers may interfere with message delivery, including the terrain, proximity to buildings, foliage, weather, and the recipient's equipment. We will not be liable for losses or damages arising from (a) non-delivery, delayed delivery, or misdirected delivery of a text message; (b) inaccurate or incomplete content in a text message; or (c) use or reliance on the content of any text message for any purpose.

Please notify us immediately if your mobile number changes. We are not liable for any communication or transmission of information by text which happens because you did not report that your mobile number changed. Password-protecting mobile device(s) and enabling encryption, if available, is recommended.

Text messages may include protected health information (PHI). Since text messaging is unencrypted, there is a risk that this PHI could be intercepted or viewed by third parties, including others who access your device. When you choose to receive text messages from us, you do so at your own risk. Once texted, your information may no longer be regulated under HIPAA’s Privacy Rule.

We maintain administrative, technical, and physical safeguards to protect information. We require our employees to protect information through written policies and procedures and provide periodic privacy and security awareness training. We maintain a comprehensive privacy incident response and prevention program. Where required by law, our business partners must protect the privacy of data we share with them as they work with us.

We are regulated by various state and federal laws pertaining to information privacy. Under these laws, individuals may have the right to request access, deletion, or correction of their information. Individuals may have the right to opt-in consent under certain circumstances regarding their information. Please refer to Privacy Notice for California Consumers or your health plan’s HIPAA Notice of Privacy Practices for more information.

We may disclose certain personal data, as outlined above, to our service providers when required for specific services. These providers deliver services on our behalf, such as sending emails, processing payments, fulfilling orders, delivering subscriptions, or enhancing the Dow Jones Services. It is important to note that these third-party service providers are strictly prohibited from utilizing your data for purposes beyond the services they supply to us or on our behalf. Additionally, we refrain from sharing any personal data acquired through Text Messages with third parties for their marketing endeavors.

Where permitted by law, individuals may determine how their personal data is collected, used, retained, and shared, including providing or withdrawing consent where required.

Where applicable, individuals may also have the right to:

• Restrict or object to certain types of data processing
• Request portability of their personal information

We provide mechanisms to exercise these rights and respond in accordance with applicable legal requirements.

For health-related products or services, you may manage your privacy settings through your online customer portal or by calling the toll-free customer service number on your member ID card.

We may provide links to websites or applications not owned or controlled by us. We do this because we think the information might be of interest or use to you. A link to a third-party website or application does not constitute or imply endorsement by us. We cannot guarantee the quality or accuracy of information presented on third-party websites or applications. While we do our best to ensure your privacy, we cannot be responsible for the privacy practices of third-party websites or applications.

We encourage you to review the privacy practices of any website or application you visit to better understand how your information may be used and/or disclosed.