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PRIVACY POLICY

Home ❯ About Us ❯ Back to Policies and Best Practices ❯ Privacy Policy


WEB PRIVACY POLICY

Blue Cross and Blue Shield of North Carolina (Blue Cross NC) respects the
privacy of everyone visiting our website or using any of the solutions or tools
used on our website.

The following guide covers how we handle the personal information you provide us
either directly on our website or indirectly, through software applications
(including web, desktop or mobile applications), data-capture devices and other
websites, whether operated by third-party service providers or by us.

This Web Privacy Policy doesn't address, and we're not responsible for, the
privacy, information or other practices of any third party, including any
third-party service provider or vendor, and any third-party operating software
applications or websites to which our website contains a link. Having such a
link on our website does not imply that we or any of our affiliates endorse the
linked application or website.

We may need to change this online privacy statement from time to time to address
new issues relating to our website or the solutions or tools we provide on our
website. We recommend you check this policy page regularly.


WHAT IS PERSONAL AND PROTECTED HEALTH INFORMATION?

Personal information and Protected Health Information (PHI) are data that
identify you. We and our third-party service providers may collect personal
information from you, including your:

 * Name
 * Mailing address (including billing and shipping addresses)
 * Telephone number
 * Email address
 * Credit Card or debit card number
 * Health plan membership number

If you share any personal information with us or our third-party service
providers, you're representing that you have the authority to do so.


HOW WE HANDLE YOUR PERSONAL INFORMATION 

Our Web Privacy Policy also describes how we handle personal information you may
provide when you visit our website.

We don't use or disclose personal information you give us online, unless it's
required or permitted under federal and state laws that apply to us. These laws
closely regulate how we may handle your information.

Under these laws, we're permitted to use and disclose your personal information
to support the services provided on this website, as well as our offline
business functions.

We'll disclose information to government officials or others if we're legally
required to do so. In addition, certain statutory authorizations allow us to
disclose personal information in emergency situations or to protect our rights
and property.

We also may disclose your personal information to our agents or business
associates who perform various functions on our behalf, but we require these
third parties to agree in writing to safeguard your information appropriately.
In addition, we don't sell or rent your personal information to third parties.

We and our third-party service providers may use your personal information to:

 * Respond to your inquiries and fulfill your requests
 * Send you administrative information, including information regarding any
   solutions or tools we provide on our website and changes to our terms,
   conditions and policies
 * Allow you to share data from a tool or solution we provide on our website to
   your friends
 * Personalize your experience on our website by presenting products or offers
   tailored to you
 * Send you communications related to your health plan and, if you choose to opt
   in, related marketing promotions

In addition, we may use personal information you submit to our website to create
aggregated, anonymous data, which we'll use to tailor our site to your
interests, develop new features, and monitor the usage of our site. We may
perform statistical analyses of these aggregate data and disclose the results as
permitted by law.


HOW WE HANDLE YOUR PROTECTED HEALTH INFORMATION (PHI)

Federal law requires that we publish a Notice of Privacy Practices describing
how we handle our members' PHI collected both online and offline. You may want
to read this Notice to learn how we process your protected health information as
well as what rights you have concerning such information.

We don't use or disclose any PHI you submit to our website or our tools and
services unless it's required or permitted under federal and state laws that
apply to us or our website.

These laws closely regulate how we may handle your PHI. Under these laws, we're
permitted to use and disclose your PHI to support the services we provide on
this website, as well as our offline business functions.

We may disclose your PHI to our agents or business associates who perform
various functions on our behalf, but we require these third parties to agree in
writing to safeguard your PHI appropriately. We don't sell or rent your PHI to
third parties.

We'll disclose information to government officials or others if we're legally
required to do so. In addition, certain statutory authorizations allow us to
disclose personal information in emergency situations or to protect our rights
and property.

We may use the PHI you submit to create aggregated, anonymous data, which we'll
use to tailor our site to your interests, develop new features and monitor the
usage of our site. We may also perform statistical analysis of this aggregate
data and disclose the results as permitted by law.

We may disclose, transfer or sell the personal information collected through our
website as an asset of the company in conjunction with due diligence for or
completion of a merger, reorganization or sale to a third party of our company
or a major portion of its assets.

Although we don't currently anticipate such an event, changes to our Web Privacy
Policy might result.

We and our third-party service providers may use Protected Health Information
to:

 * Respond to your inquiries and fulfill your requests, such as to send
   newsletters to you
 * Send you administrative information, including information regarding Blue
   Cross NC and changes to our terms, conditions and policies
 * Personalize your Blue Cross NC experience by presenting products and offers
   tailored to you

In addition, we may use protected health information for our business purposes,
such as quality improvement, data analysis, audits, new product development,
service improvement, usage and trend identification, and promotional campaign
effectiveness.


OTHER INFORMATION

In addition, we may collect a variety of other information types that aren't
individually identifiable, including:

 * Type of browser you use
 * Files you request
 * Operating system you use
 * IP address from the pages you visited
 * URLs of the pages that you came from and go to
 * Geographic location from where you request information
 * Information collected through cookies, pixel tags and other technologies
 * Demographic information
 * Aggregated information

We may be required to share information you provide us through our website in
other, limited circumstances in which we may share or transfer the information
you provide us through our website, for example, to respond to judicial process,
to comply with state, federal, or local laws, to protect the security or
integrity of our databases or website, to take precautions against liability, in
the event of a corporate reorganization or, to the extent required by law, to
provide information to law enforcement agencies.


HOW WE MAY USE AND DISCLOSE OTHER INFORMATION

Because other information isn't personally identifiable, we reserve the right to
use and disclose other information for any purpose.

If we match other information with either personal information or PHI (such as
your name and ZIP Code or your name and a medical condition), we treat the
combination as personal information or PHI, as appropriate, as long as the
information is combined.


COOKIES

We use what's known as cookies to improve your experience on our site. Cookies
are small pieces of data we place in your computer's browser to store your
preferences.

Cookies themselves don't generate personal information about you. We don't
attempt to link cookie data to your personal information. We use cookies only to
make your experience on our website more enjoyable.

If you choose not to accept cookies, you may be unable to take full advantage of
our website's features.


MOBILE

This information by itself doesn't itself identify you to Blue Cross NC, though
the information may be unique or consist of or contain details you consider
personal.

If you use products and services that are location-enabled (for example, Google
Maps) while accessing our website, tools or services, you may be sending us your
location information. This information may reveal your actual location, such as
GPS data.

We may record your phone number when you:

 * Send it to us
 * Ask us to remember it
 * Make a call to us
 * Receive from us or send to us a text or SMS (short message service)

The information we collect for mobile may include:

 * Device or hardware IDs and device type
 * Type of request
 * Your phone carrier
 * Your carrier user ID
 * The content of your request
 * Basic usage stats about your device

Some of our products, tools and services may allow you to download and/or
personalize the content you receive from us. For these products and services, we
record information about your downloads and preferences, along with any
information you provide about yourself. If the product, tool or service requires
you to log in with your Blue Cross NC account, this information will be
associated with your Blue Cross NC account.


SECURITY

We've taken steps to protect information collected from our online visitors
against unauthorized access and use.

The chat feature and all online forms that include information captured from our
users are secured using a Secured Socket Layer (SSL), which encrypts the
information as it travels from a desktop to our server.

We're committed to ensuring transaction security and privacy. We obtain
certification from industry-recognized security vendors to ensure our systems
meet security standards.

As an additional security measure, we use a firewall to prevent unauthorized
access to our site. Site personnel monitor activity logs at regular intervals to
look for unauthorized intrusions.

For your protection, please don't send e-mail to us that contains your personal
health information. We cannot guarantee the security of these emails before they
reach us, in contrast to the security precautions in place when you send us
personal information through an online form on this website. If you're a member,
we suggest you use the Blue Connect Inbox to send secure messages and receive
secure messages from us.

In addition, our Enterprise Security program protects our information and the
supporting infrastructure against unauthorized use, disclosure, modification,
damage and loss. Enterprise Security promotes a culture that understands and
respects the value of protecting information while following legal, regulatory
and accreditation requirements and standards that govern online security.

Research, planning and implementation of technologies, tools and training
programs are used to secure our critical electronic information.


PROTECTING YOUR INFORMATION ONLINE

Once someone else has your personal information or PHI, that information is no
longer in your control. It can be reused, sold, lost, stolen or misused.
Protecting your personal information online is a good and necessary action to
take. One of the most obvious reasons would be to prevent identity theft. A good
rule of thumb is to always ask yourself this question when it comes to your
personal information: Can this information be used to reset the password for my
online bank account or some other sensitive online account? If so, then you
shouldn't share that kind of information online or anywhere else for that
matter.

Here are some simple actions to protect your personal information online:

 * Weigh the benefit against the risk - is what you are getting out of this
   transaction worth the exposure of your data?
 * Read the fine print - understand what websites plan to do with your data, and
   decide if this is acceptable to you. Provide only the minimum amount of
   information necessary.
 * Create an account using a nickname or made-up name, and use an online email
   account that you don't normally use and don't care if it gets spam.

Use these basic technical controls to prevent yourself from falling victim to a
security breach:

 * Use anti-virus software.
 * Make sure all your devices have the latest security updates.
 * Don't use the same password for all your accounts.
 * Use a passphrase to strengthen your passwords.
 * Use a password longer than 10 characters. The longer the password, the better
   your chances of not getting hacked.
 * Enable encryption on your home router, disable remote access features, use
   its firewall and change its default name.
 * Be cautious when using free, but not always secure, public Wi-Fi. 
 * Know what devices are connected to your network.
 * Delete any emails that are out of the ordinary.
 * If you receive a phone call from technical support and you didn't ask them to
   contact you, don't give away any personal information. Typically, you call
   technical support when you need help, not the other way around.
 * Create backups of your computer.


LINKS TO THIRD-PARTY WEB SITES

We may provide links and pointers to websites maintained by other companies or
third-party websites. From time to time, we may provide materials from other
parties or companies on this website.

Know that these third-party websites are independently owned and operated by
someone other than Blue Cross NC. These websites have their own privacy
practices and policies. We provide these materials and links to other websites
"as is" and without warranties of any kind, either express or implied.

To the fullest extent permissible pursuant to applicable law, we disclaim all
warranties, express or implied, including, but not limited to, implied
warranties of merchantability and fitness. We don't warrant or make any
representations regarding the use or the results of the use of the third-party
materials in the third-party websites in terms of their correctness, accuracy,
timeliness, reliability or otherwise.


CHILDREN'S INFORMATION

Although parents are free to use this website on behalf of their children, we
don't direct this site to children or knowingly collect personal information
from children. We're pleased to work with parents and guardians to delete from
our records personal information that a child may have disclosed improperly on
this website.


CHANGES IN OUR CORPORATE STATUS

We may disclose, transfer or sell personal information collected through our
website as an asset of the company in conjunction with due diligence for or
completion of a merger, reorganization or sale to a third party of our company
or a major portion of its assets. Although we don't currently anticipate such an
event, changes to our privacy policy might result.


PRIVACY POLICY CHANGES

This Web Privacy Policy is effective September 1, 2015. We may change this
policy page at any time without notice.


CONTACT US

We're sincerely committed to protecting your personal privacy. While information
is the cornerstone of our ability to provide superior service, our most
important asset is our members' trust. Keeping member information secure and
using it in a responsible manner is a top priority for us.

If you have any questions or concerns about the information provided through
this website, please contact us.

About Us
* Governance and Leadership
  * Tunde Sotunde MD, MBA, FAAP
  * Kelly Calabria
  * Santiago Estrada, JD
  * Stephen Friedhoff, MD
  * Francesca Gary
  * Sonny Goyal
  * Latisha Hamilton-Williams
  * Karla Mizelle
  * Mitch Perry
  * Gerald Petkau
* Affiliates
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  * Notification of Shared Information with Other Payers
  * API Access for Payers
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  * Transparency in Coverage: Machine Readable Files
* Awards and Recognition
* Vendor Resources

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Blue Cross and Blue Shield of North Carolina does not discriminate on the basis
of race, color, national origin, sex, age or disability in its health programs
and activities. Learn more about our non-discrimination policy and no-cost
services available to you.

INFORMATION IN OTHER LANGUAGES

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 * 日本語

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© 2023 Blue Cross and Blue Shield of North Carolina. ®, SM Marks of the Blue
Cross and Blue Shield Association, an association of independent Blue Cross and
Blue Shield Plans. Blue Cross NC is an abbreviation for Blue Cross and Blue
Shield of North Carolina. Blue Cross and Blue Shield of North Carolina is an
independent licensee of the Blue Cross and Blue Shield Association.

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