Terms of Use

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By using the Anthem.com web site or any web site owned and maintained by Anthem or its subsidiaries (collectively, the “Web Site”) you agree to abide by the following Terms of Use.  
USE OF MATERIAL
The contents of this Web Site are protected by copyright. The collective work of this Web Site may also include work that is the property of others, which work is also protected by copyright or other intellectual property laws. Unauthorized use may violate copyright, trademark, and other laws. Anthem authorizes you to view and download material on the Web Site solely for your own use. You must keep all copyright and other proprietary notices on any copies you make. You may not sell or modify the material or otherwise use it for any public or commercial purpose.  
You will not use this Web Site, in violation of any laws including without limitation, those pertaining to the fraud and abuse or anti-kickback provisions of the federal Medicare and Medicaid laws. Any advertisement, links with other web sites, co-hosts or references to third parties are not endorsements of such third parties’ products or services and are not intended to result in any referrals or compensation to you or Anthem. 
USE OF INFORMATION AND RESOURCES
Anthem makes this site available for the sole purposes of providing general educational information on health-related issues and providing access to health-related resources. This site and its health-related information and resources are not intended to be a substitute for professional medical advice or for the care that patients receive from their physicians. Nothing in this site is intended to be used for medical diagnosis or treatment. Always seek the advice of your physician before beginning any new treatment or if you have any questions regarding a medical condition. You should not disregard medical advice, or delay seeking medical advice, because of something you read in this site.  
This site and its health-related information and resources are not intended, and must not be taken, to be the rendering of medical, nursing, or professional health care advice or services, or the practice of medicine, nursing, or professional health care, in any jurisdiction. Additionally, Anthem is not responsible for information provided by health information content providers, third party sites linked to or framed by the Web Site, or third-party sites, and does not make any representations regarding the content, accuracy, or timeliness of any of such information.  
By health-related information, we mean the health-related, medical, and wellness information available through the Web Site that includes, but is not limited to, text, graphics, video, and images; information created by health information content providers, licensors, suppliers, and other third parties; advertisements; and any other material, information or health information content accessible on third-party web sites to which Anthem may have links. 
PROVIDER FINDER
Anthem has made reasonable efforts to validate that its lists of providers displayed are up to date and accurate. Please call the provider prior to scheduling an appointment to verify that the provider continues to be part of the network. Anthem shall not be liable for any losses, damages, or non-covered charges as a result of using the provider locator tool or receiving care from a provider listed in on our site. 
ANTHEM CARE COMPARISON TOOL
Your health insurance benefits plan may not necessarily cover all of the services, treatments, drugs or tests discussed or recommended in the information provided in the tool. In addition, there may be requirements for precertification, or other criteria to determine your coverage. Further, certain sections of the tool and of this web site present information relating to a broad number of providers who may or may not participate in the independently contracted network applicable to your particular plan. Please check the appropriate on-line provider directory to determine whether a particular provider participates in your network. If you have any questions about particular coverage issues, simply contact us through Customer Care or call the member services toll free number on the back of your I.D. card 
CAREGIVER ACCESS
Anthem allows you to authorize a designated individual to view and/or edit your Anthem member information as it appears on the Web Site (“Caregiver Access”). This ability is subject to your acceptance of the specific terms that accompany the Caregiver Access function (contained in the relevant section of this Web Site).  
ZAGAT HEALTH SURVEY
The Zagat Health Survey available through the Web Site represents the consumer responses to the survey. The survey is not a recommendation or endorsement of any particular healthcare provider. Rather, the Zagat Health Survey results are only a reflection of the consumer opinions. The Zagat Health Survey ratings and comments consist of aggregated consumer opinions and specific comments reflecting the opinions of the consumers who posted the comments. The survey should not be considered to be health advice, nor should it be considered advice about the quality of any particular provider or the provider’s suitability for any particular treatments or health conditions. 
The Zagat Health Survey tool allows you to submit your opinions about providers you or your minor dependents have received services from and with which you have had first-hand interaction. You agree not to submit survey responses or comments for any other providers. Survey results that do not meet these criteria may be deactivated. All comments submitted with a survey must meet the Community Guidelines published on the site. Comments that are determined not to meet the Community Guidelines may be subject to deactivation. You are solely responsible for any comment you make about a provider, without regard to whether the comment is deactivated. Anthem is not responsible for the comments expressed by users or the accuracy of the information in those comments. You understand that all information, text, and comments posted in a Zagat Health Survey are the sole responsibility of the person from whom such content originated. This means that you, and not Anthem, are entirely responsible for all content that you post. Though it reserves the right to screen and deactivate any comment prior to posting, Anthem does not control the Content posted via the surveys and, as such, does not guarantee the accuracy, integrity or quality of such content. You understand that by using the Zagat Health Survey, you may be exposed to content that is offensive, indecent or objectionable. Under no circumstances will Anthem be liable in any way for any content, including, but not limited to, any errors or omissions in any content, or any loss or damage of any kind incurred as a result of the use of any content posted or otherwise made available via the Zagat Health Survey. 
OUT OF NETWORK REIMBURSEMENT
It is important to understand how in-network providers may be able to help you save money. In-network doctors, healthcare professionals, dentists and x-ray laboratories have agreed in a contract with us to accept specific amounts for various covered services. Because there is no similar contract with out-of-network providers, absent a regulation or law, they may be able to bill you for the difference between what we pay and what they charge.  
For services provided by doctors, health care professionals, dentists and X-ray laboratories who have not contracted to treat members ("Non-Participating Providers"), the amounts that will be allowed for such services and processed for payment ("Non-Participating Provider Reimbursement Amounts") are based on the member contracts. These amounts may be determined based on Medicare rates, fee schedules or a database produced by FAIR Health, Inc., as supported by member certificates, and also may be subject to deductibles, co-pays, and other limitations. 
NOTICE: There are hospitals, health care facilities, physicians or other health care providers who are not included in every plan network. Your financial responsibilities for payment of covered services may differ if you use a network provider or a non-participating provider. Please refer to the online Find a Doctor tool to determine if a particular provider is in the network, or contact customer service for assistance.  
PASSWORDS AND ACCOUNT
Your username and password (collectively, the "Password") will allow you to access the Web Site and certain information about you or your Plan. Your Password is the exclusive property and confidential information of Anthem and may be used solely for your individual use of and access to the Web Site. You are solely responsible for controlling your Passwords and for authorizing, monitoring and controlling access to your account. You are prohibited from distributing, providing or otherwise making available your Password to any third party and are responsible for all activities that occur under your Password. You agree to notify Anthem immediately of any unauthorized use of your Password or of any need to deactivate the Password(s) associated with your account. 
LINKING TO OTHER SITES
From time to time we will provide links to other web sites, not owned or controlled by Anthem. We do this because we think this information might be of interest or use to you or where, as a member, we can provide you with value added services. While we do our best to ensure your privacy, we cannot be responsible for the privacy practices of other sites. A link to a non-Anthem web site does not constitute or imply endorsement by Anthem. Additionally, we cannot guarantee the quality or accuracy of information presented on non-Anthem web sites. We encourage you to review the privacy practices of any web site you visit.  
APPROPRIATENESS OF CONTENT
This website is not intended to attract children under the age of 13. We do not collect Personal Information from any person we know is under the age of 13. Some of the content on this web site may not be appropriate for children. Parent or guardians are solely responsible for providing supervision of minors’ use of the Anthem web site.  
YOUR SUBMISSIONS
Generally, communications which you post to the Web Site are not confidential. If particular Web pages permit the submission of communications which will be treated by Anthem as confidential, that fact will be stated on those pages. You are responsible for your own communications and the consequences of such posting.  
You may not:  
communicate material that is copyrighted, without the permission of the copyright owner;
communicate material that reveals trade secrets, unless you have permission of the owner;
communicate material that infringes on any other intellectual property rights of others or on the privacy or publicity rights of others;
communicate material that is obscene, defamatory, threatening, harassing, abusive, hateful, or embarrassing to any person or entity;
communicate a sexually-explicit image;
communicate chain letters or pyramid schemes;
impersonate another person; or
violate the Children’s On Line Privacy Protection Act.
 
Anthem 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.  
 
DIGITAL MILLENIUM COPYRIGHT ACT
Anthem respects the intellectual property of others and expects users of our services to do the same. If you believe that your copyrighted work has been copied in a way that constitutes copyright infringement and is accessible on this site or through this service, you must provide the following information when providing notice of the claimed infringement to Anthem:  
A physical or electronic signature of a person authorized to act on behalf of the copyright owner and identification of the copyrighted work that is infringed;
Information reasonably sufficient to permit Anthem to contact you, such as an address, telephone number and/or electronic mail address;
A statement that you have a good faith belief that the use of the material in the manner complained of is not authorized by the copyright owner, its agent or law;
A statement that the information in the notification is accurate and under penalty of perjury, that the complaining party is authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.
 
The above information must be submitted as a written notification to Anthem through Anthem Customer Service at the toll- free number on the front of your Customer ID card or by writing us at 120 Monument Circle, Indianapolis, IN 46204, ATTENTION: LEGAL DEPARTMENT/DMCA COMPLAINT. This information should not be construed as legal advice. For further details on the information required for valid DMCA notifications, see 17 U.S.C. 512(c)(3). 
PRIVACY AND SECURITY
The Anthem Privacy Statement describes the type of information Anthem and its licensors and suppliers collect from you when you visit the Web Site and how Anthem uses that information. You can review the Anthem Privacy Statement by clicking on the Privacy button on the Log In Screen, or by going to www.anthem.com and selecting the Privacy link at the bottom of the page 
 
LIABILITY OF ANTHEM AND ITS LICENSORS AND SUPPLIERS
No Liability. ANTHEM AND ITS LICENSORS AND SUPPLIERS (INCLUDING, FOR THE PURPOSES OF THIS ENTIRE SECTION, ALL PROVIDERS OF CONTENT FOR THIS WEB SITE) SHALL NOT BE LIABLE TO YOU, UNDER ANY CIRCUMSTANCES OR UNDER ANY THEORY OF LIABILITY OR INDEMNITY, FOR ANY DAMAGES OR PENALTIES WHATSOEVER (INCLUDING, WITHOUT LIMITATION, INCIDENTAL INDIRECT, EXEMPLARY, PUNITIVE AND CONSEQUENTIAL DAMAGES, LOST PROFITS, OR DAMAGES RESULTING FROM LOST DATA OR BUSINESS INTERRUPTION) IN CONNECTION WITH THE USE OR INABILITY TO USE THIS SITE OR THE CONTENT, EVEN IF ANY OF THEM HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. ANTHEM SHALL BE LIABLE TO YOU ONLY TO THE EXTENT OF ACTUAL DAMAGES INCURRED BY YOU. THE REMEDIES STATED FOR YOU IN THESE TERMS AND CONDITIONS ARE EXCLUSIVE AND ARE LIMITED TO THOSE EXPRESSLY PROVIDED FOR IN THESE TERMS AND CONDITIONS. 
Anthem and its licensors and suppliers are not responsible for any claims you may have against any medical professionals, suppliers of products or other persons, institutions or entities identified in whole or in part through this Web Site. 
No Warranties. THE SITE, SERVICES, CONTENT AND INFORMATION ARE PROVIDED "AS IS." ANTHEM, ITS LICENSORS AND SUPPLIERS DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, NONINFRINGEMENT OF THIRD PARTIES RIGHTS OR FITNESS FOR A PARTICULAR PURPOSE. 
ANTHEM, ITS LICENSORS AND SUPPLIERS MAKE NO REPRESENTATIONS OR WARRANTIES THAT THE INFORMATION IN, OR LINKS OR SEARCHES CONDUCTED THROUGH THIS SITE IS COMPLETE, EXHAUSTIVE, RELIABLE, CURRENT OR ACCURATE. NO CLAIMS OR ENDORSEMENTS ARE MADE FOR ANY DRUG, HERB, SUPPLEMENT, COMPOUND, THERAPY, OR TREATMENT. 
 
LIMITATIONS
The descriptions of Anthem products and services contained in the Web Site are not offers to sell or solicitations for any product or service. Anthem is not licensed to sell products and services in all states. The descriptions of products and services contained on the Web Site are offered as a convenience and do not contain all of the terms, conditions, limitations and exclusions that may be applicable.  
TERMINATION
Anthem may terminate any User's right to use this site at any time. Anthem reserves the right to block, delete or stop the uploading of materials and communications that it in its sole discretion finds unacceptable for any reason. Your right to use this site will end at the close of your Membership in the Anthem plan. If your right to use this site ends, you shall make no further use of this site or any information obtained from this site. 
CHANGES TO THIS TERMS OF USE STATEMENT
Anthem may revise, modify or amend these Terms of Use at any time. Any such revision, modification or amendment shall be effective immediately upon either posting it to the Web Site or otherwise notifying you.  
MISCELLANEOUS
Anthem is based in Indianapolis, Indiana in the United States of America and makes no claims that the content and information included at this site is appropriate or may be downloaded outside of the United States. Access to the content and information included at this site may not be legal by certain persons or in certain countries. If you access this site from outside the United States, you do so at your own risk and are solely responsible for compliance with the laws of your jurisdiction and any other applicable laws. 
This User Agreement shall be governed and construed in accordance with the laws of the State of Indiana without regard to the choice of law provisions of any jurisdiction. Anthem may without notice to you assign its rights and duties under this Agreement to any party at any time. Failure to enforce or insist on strict performance of any provision of this Agreement shall not be construed as a waiver of any provision or right. You agree that any legal action or proceeding between Anthem and you in any way related to this Agreement shall be brought exclusively in a court of a competent jurisdiction sitting in Indianapolis, Indiana. Any cause of action or claim you may have against or involving Anthem must be commenced within one year after the claim or cause of action arises. Neither the course of conduct between the parties nor trade practice shall modify the provisions of this Agreement. The invalidity or unenforceability of any provision shall not in any way affect the validity or enforceability of the rest of this Agreement. This agreement constitutes the entire agreement between you and Anthem, and it supersedes all prior agreements, representations, proposals and other communications with respect to Anthem' s web site and content. 
NOTICES
To the extent that the law and/or any applicable regulation allows for the provision of notice electronically, and further provide that any group health plan agreement by which you are covered does not require notice by mail, you hereby agree to receive all such notices electronically, including but not limited to notices required by state or federal privacy laws, and all financial information pertinent to, or required in connection with the operation of, your account at this online health site. By accepting the terms of this Agreement, you are acknowledging receipt of all privacy notices linked to this site as a necessary step to obtaining the services in connection with this plan and health site. 
QUESTIONS
If you have questions and comments, or if you believe that your confidentiality has been breached or that any of your communications have been intercepted, or you wish to notify us regarding a suspected violation of these terms, please call Customer Service at Anthem immediately at the toll- free number on the back of your Customer ID card.  
Anthem.com is produced by Anthem Blue Cross and Blue Shield at various locations including 120 Monument Circle, Indianapolis, IN 46204. © 2005-2012 Anthem Insurance Companies, Inc. Anthem ® is a registered trademark of Anthem Insurance Companies, Inc. ® The Blue Cross and Blue Shield names and symbols are registered marks of the Blue Cross and Blue Shield Association. All rights reserved.  

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Anthem Blue Cross and Blue Shield is the trade name of: In Colorado Rocky Mountain Hospital and Medical Service, Inc. HMO products underwritten by HMO Colorado, Inc. In Connecticut: Anthem Health Plans, Inc. In Indiana: Anthem Insurance Companies, Inc. In Kentucky: Anthem Health Plans of Kentucky, Inc. In Maine: Anthem Health Plans of Maine, Inc. In Missouri (excluding 30 counties in the Kansas City area): RightCHOICE® Managed Care, Inc. (RIT), Healthy Alliance® Life Insurance Company (HALIC), and HMO Missouri, Inc. RIT and certain affiliates administer non-HMO benefits underwritten by HALIC and HMO benefits underwritten by HMO Missouri, Inc. RIT and certain affiliates only provide administrative services for self-funded plans and do not underwrite benefits. In Nevada: Rocky Mountain Hospital and Medical Service, Inc. HMO products underwritten by HMO Colorado, Inc., dba HMO Nevada. In New Hampshire: Anthem Health Plans of New Hampshire, Inc. In Ohio: Community Insurance Com pany. In Virginia: Anthem Health Plans of Virginia, Inc. trades as Anthem Blue Cross and Blue Shield in Virginia, and its service area is all of Virginia except for the City of Fairfax, the Town of Vienna, and the area east of State Route 123. In Wisconsin: Blue Cross Blue Shield of Wisconsin ("BCBSWi"), which underwrites or administers the PPO and indemnity policies; Compcare Health Services Insurance Corporation ("Compcare"), which underwrites or administers the HMO policies; and Compcare and BCBSWi collectively, which underwrite or administer the POS policies. Independent licensees of the Blue Cross and Blue Shield Association. ® ANTHEM is a registered trademark of Anthem Insurance Companies, Inc. The Blue Cross and Blue Shield names and symbols are registered marks of the Blue Cross and Blue Shield Association. Use of the Anthem Web sites constitutes your agreement with our Terms of Use