Privacy Policy

Revised 09/03/2019

Welcome! You have arrived at an online service location (e.g., web site or application) that is owned and operated by the Blue Cross and Blue Shield Association ("BCBSA" or "we," "our" or "us"). Your privacy is important to us. BCBSA takes steps to protect the privacy of the personally identifiable information (PII) that we collect about you. PII refers to information that lets us know the specifics of who you are and can be used to identify, contact or locate you. This “Privacy Policy” describes what you (“End User” or “you”) can expect when you allow us to collect PII about you for this web site (the “Site”).  Additionally, this Privacy Policy governs your use of any online service location (e.g., web site or application) that posts a link to this Privacy Policy, and also applies to your use of interactive features, widgets, plug-ins, applications, content, downloads and/or other services (collectively, the "Service") that: (i) we own and control and make available through an online service; or (ii) that posts a link to this Privacy Policy, regardless of how you access or use the Service, whether via personal computers, mobile devices or otherwise

To the extent we provide you notice on our Service of different or additional privacy policies or practices (e.g., at the point of our collection), those additional terms shall govern such data collection and use. By using our Service, you consent to this Privacy Policy and our collection, use and sharing of your information and data, and other activities, as described below.

PLEASE REMEMBER that this Privacy Policy covers only the data collection and use practices related to the Site, which is an official web site of BCBSA.  BCBSA’s privacy policies may differ at other BCBSA owned and operated web sites or in BCBSA’s off-line data collection and reporting practices.  PII that we collect about you for this Site is not protected by the Privacy Rule under the Health Insurance Portability and Accountability Act of 1996. You should address any questions regarding the privacy policy of any of the independent, local Blue Cross and/or Blue Shield Companies (each, a “Blue Company”) directly to that Blue Company. Neither BCBSA nor any independent, local Blue Cross and/or Blue Shield Company (each, a “Blue Company”) will ever use PII that we collect about you for this Site to affect your health insurance coverage or premiums.

Your authorization for your Blue Company’s use and disclosure of information and your permissions for BCBSA’s use and disclosure of information, and how to revoke those permissions, appear separately on the Site’s Registration page and Terms of Use.

1. The Information We Collect

While using the Site, you may, among other things, gather information, reply to advertisements, receive third party coupons and special offers, download content, purchase products or services from third party suppliers (each, a “Vendor”), directly from such Vendors or by purchasing vouchers on the Site, or check on the status of past purchases on the Site.  In doing so, we will collect information about you in order to assist your use of the Site and purchases, and to monitor, manage and assist Blue Companies, as well as third party contractors, consultants, and Vendors who assist with the Site and the deals offered on the Site.  The Site’s web servers automatically capture your domain name, the IP address of the web page from which you enter the Site, the pages you visit on the Site, the amount of time you spend on the Site, and the number of End Users and frequency and manner of use of the Site. We may also collect information regarding the use of the Site’s Vendor network and other features of the Site, such as the extent to which certain features are used, and what deals you access and/or purchase.  Some of this information is statistical information that reflects the scope of the Site’s End User base, sales, use patterns and related information. We use this information to better understand how the Site is used, and to improve the experience of End Users.  In addition, certain information is collected by BCBSA, Vendors and other third-parties during the course of serving advertisements on the Site, including the number of times you viewed an advertisement or an offer. That, with other information from independent third parties on consumer demographics and preferences, is used to facilitate and monitor the serving of advertisements and offers for Vendors’ products and/or services.

2. Use of the Information the Site Gathers/Tracks

PII is collected when you register on the Site, order a product or service from a Vendor shown on the Site, receive a coupon or voucher, fill out surveys, participate in contests or sweepstakes, enter into or participate in any discussion or ‘chat’ groups, forums or other groups or programs, correspond with us or otherwise volunteer information (for instance, through the use of any advertisements, trial offers, coupon offers, or when you request e-mails from us to keep you posted on new deals or to provide you with information on deals you purchased or browsed previously).  PII that is collected varies based on the purpose for which it was collected and may include, among other things, your name, location, mailing address, telephone number, mobile phone number, e-mail address, gender, birth year, account preferences, Blue Company affiliation, product or service selections, order number, referring URL, IP address and password and other identification and contact information, as well as similar information on anyone to whom you may share or forward an offer.  With this information, we can fill your service or product orders and requests, and better provide you with personalized services. You also may have the option of importing information into certain web sites (including, but not limited to, the Site) from third-party software programs.  This information may include the types of information described above, as well as other types of information that you have entered into these third-party software programs. This information may be used to fulfill your requests for services, to communicate with you about your account, to support your online activities, to respond to your questions, and to customize your experience and the content or features of the Site and the products and services available thereon.  We may use your PII to notify you of changes to the Site, the products or services, the Terms of Use, and this Privacy Policy.  We may also use your PII to personalize your interactive experience on the Site, through social media (e.g., Facebook, Twitter, Instagram, Amazon and Pinterest) or other platforms. For example, if you have given us permission, we may use your information to inform you (by e-mail or social media) of other products or services that you may find to be valuable.  We may also use your PII to make improvements that better serve End Users’ needs.  We may share your PII with third parties who assist us in operating and managing the Site and in fulfilling and monitoring your purchases.

When someone else places an order for delivery to you, we need to collect PII regarding that third party to fulfill the order. PII that is collected varies based on the purpose for which it was collected and may include the name, location, mailing address, telephone number, mobile phone number, e-mail address, gender, birth year, account preferences, Blue Company affiliation, product or service selections, order number, referring URL, IP address and password and other identification and contact information of the person placing the order for delivery to you.

Information that you voluntarily provide to Us will be maintained as long as BCBSA deems appropriate to fulfill the purpose for which you provided the information, until you request us to remove it, or for as long as permitted under applicable law. PII provided voluntarily by you may be retained by us indefinitely for the purposes described in this Privacy Policy.

If you prefer not to receive information about additional products and services that we think you may be interested in, send us an e-mail indicating that you no longer wish to receive such information, and provide us with your name and e-mail address(es) at which you no longer wish to receive such unwanted communications.

3. Disclosure of Information

We may share your PII among BCBSA divisions and business groups, Blue Companies and their respective affiliates, consultants and contractors, as well as Vendors and other third parties, including those third parties who perform services for us in operating and marketing the products and services available on the Site (including but not limited to the monitoring of End User behavior on the Site and the processing of payments for products or services): (a) as necessary to provide marketing, data and other information for measuring information of audiences responding to public advertisement and offers; (b) in special situations, including responding to governmental officers and agencies and in response to legal process such as a court order or subpoena; (c) to prevent or combat fraud; as required by federal or state law; (d) our enforcement of the Terms of Use; (e) in connection with the protection of the rights, property or safety of BCBSA, a Blue Company, End Users or third parties; and (f) in connection with a merger, acquisition or liquidation of BCBSA, its subsidiaries or affiliates. To the fullest extent permitted by applicable law, we have complete discretion in electing to make or not make such disclosures, and to contest or not contest requests for such disclosures, all without notice to you.

4. Security

BCBSA is committed to taking reasonable measures to protect your privacy against unauthorized disclosures. BCBSA’s third party web vendor uses a variety of secure techniques designed to protect your information.  While safeguards have been implemented, you should be aware that Internet security technology changes rapidly. As such, we cannot guarantee that the safeguards employed today can protect your PII from the threats of tomorrow, or that the Site’s security measures are failsafe and not subject to circumvention or unauthorized intrusion. You should also be aware that, despite our reasonable efforts, factors beyond our control may result in disclosure of data.

5. Third-Party Links

Portions of the services and functionality available on the Site may contain links to other third party web sites, which you may access.  These third party web sites have their own privacy policies, and you should review those privacy policies before following those links.  We cannot control the information disclosed at these third-party web sites or how that information is used.

6. Children’s Privacy

We do not intend that the Site will be accessed or used by children under the age of thirteen (13), and such use and access is prohibited.  In the event that we become aware that we have collected personal information from any child under the age of thirteen (13) years, we will dispose of that information in accordance with the Children’s Online Privacy Protection Act and other applicable laws and regulations.  If you are a parent or guardian and you believe that your child under the age of thirteen (13) has provided us with personal information without your consent, please contact us at Webmaster via e-mail at, and we will take reasonable steps to ensure that such information is deleted from our files.  By using the Site, you represent that you are at least eighteen (18) years of age, and understand that you must be at least eighteen (18) years of age in order to make purchases through the Site.

We do not knowingly collect or use information from children under the age of eighteen (18) without the consent of a parent or guardian.  To best protect your child’s privacy, please supervise your child’s access to the Internet, and the Site offers and content carefully.  For more information on how to protect your child’s privacy, you can visit the Federal Trade Commission’s Kids privacy page, accessible via

7. Third Party Analytics Providers and Ad Servers

We may use third-party vendors to perform certain services on behalf of us or the Service, such as hosting the Service, designing and/or operating the Service’s features, tracking the Service’s activities, utilization of sharing technology that allows users to share content on this Site through social media, and analytics. We may provide these vendors with access to user information or they may directly collect your information to carry out the services they are performing for you or for us. Third-party analytics and other service providers may set and access their own tracking technologies on your device and they may otherwise collect or have access to information about you, potentially including personal information, about you. We are not responsible for those third party technologies or activities arising out of them.

We may also work with certain third parties to provide us with information regarding traffic on the Service to serve advertisements elsewhere online, and to provide us with information regarding the use of our website or services and the effectiveness of our advertisements. These third parties may automatically collect information about you using their own cookies or other technologies, or may otherwise collect or have access to, information about your visits to this and other websites, your IP address, your ISP, the browser you use to visit our website and other usage information. Information collected may be used, among other things, to deliver advertising targeted to your interests and to better understand the usage and visitation of our website and the other sites tracked by these third parties.

If you would like more information about this practice and to know your choices about not having this information used by these companies, you may visit: (for website users), (for website users), or (for mobile app users).

8. Cookies Policy and Statement

When you visit the Service, we may place a temporary “session” or a persistent cookie on your computer that will allow us to customize and enhance your experience at the Service, make improvements to our Service, or to report Service activity. Our session cookies are not permanently stored on your computer and expire when you leave. Permanent cookies are issued to Service visitors who link the Service from a search engine and are used only to permit BCBSA to attract qualified users to the Service. Our cookies are not used to send spam. We store cookie information in aggregate form and use the aggregate information to make improvements to the Service or in internal reports on Service activity. You may opt out of allowing cookies to be placed on your computer. Refusing cookies disables our ability to include information about your visit in our regular monitoring of Service traffic.

9. Cookies and Similar Technology Policy

What are cookies?

A cookie is a small amount of data sent from a web server to your browser and stored on your computer or mobile device’s hard drive while you are viewing the website. We may use both session cookies (which expire once you close your web browser) and persistent cookies (which stay on your computer until you delete them) to provide you with a more personal and interactive experience on our website. This type of information is collected to make the Service more useful to you and to tailor your experience with us to meet your special interests and needs. We use and store this information to provide you with more personalized and customized online services and to make our site more convenient, useful, valuable and appealing to you.

We use two broad categories of cookies: (1) first party cookies, served directly by us to your computer or mobile device, which we use to recognize your computer or mobile device when it revisits our website; and (2) third party cookies, which are served by service providers on our website, and can be used by such service providers to recognize your computer or mobile device when it visits other websites.

Cookies we use

The Service may use the following types of cookies for the purposes set out below:

Essential Cookies

These cookies are essential to provide you with services available through our website and to enable you to use some of its features. Without these cookies, the services that you have asked for cannot be provided, and we only use these cookies to provide you with those services.

Functionality Cookies

These cookies allow our website to remember choices you make when you use the Service, such as remembering your language preferences, remembering your login details and remembering the changes you make on other parts of our website, which you can customize. The purpose of these cookies is to provide you with a more personal experience and to avoid you having to re-enter your preferences every time you visit the Service.

Analytics and Performance Cookies

These cookies are used to collect information about traffic to our website and how users use the Service. The information gathered does not identify any individual visitor. The information is aggregated and anonymous. The information gathered may include the number of visitors to the Service, the websites that referred them to our website, the pages they visited on our website, what time of day they visited our website, whether they have visited our website before, and other similar information.

We use Google Analytics for this purpose. Google Analytics uses its own cookies. You can find out more information about Google Analytics cookies here and about how Google protects your data here. You can prevent the use of Google Analytics relating to your use of our Site by downloading and installing the browser plugin available here.

Targeted and Advertising Cookies

These cookies track your browsing habits to enable us to show advertising that is more likely to be of interest to you. These cookies use information about your browsing history to group you with other users who have similar interests. Based on that information, third party advertisers can place cookies to enable them to show advertisements that we think will be relevant to your interests while you are on third party websites.

Social Media Cookies

These cookies are used when you visit any public page. A social networking website such as Facebook, Pinterest, Twitter or LinkedIn can record that you have visited this page and could use this information to serve you relevant ads that are in compliance with platform advertising policies.

Disabling Cookies

If you decide at any time that you no longer wish to accept cookies from our services for any of the purposes described above, then you can typically instruct your browser, by changing its settings, to remove or stop accepting cookies or to prompt you before accepting a cookie from the websites you visit. In order to do this, consult your browser’s technical information (instructions are usually located within the “settings,” “help” “tools” or “edit” facility). Many browsers are set to accept cookies until you change your settings. Further information about cookies, including how to see what cookies have been set on your computer or mobile device and how to manage and delete them, visit If you do not accept our cookies, you may experience some inconvenience or not be able to use all portions of the services or all functionality of the services.

Pixel tags

In addition, we may use pixel tags (also referred to as clear GIFs, web beacons, or web bugs) on the Service to track the actions of users on website. Pixel tags are tiny graphic images with a unique identifier, similar in function to cookies, which are used to track online movements of web users. In contrast to cookies, which are stored on a user’s computer hard drive, pixel tags are embedded invisibly in web pages. Pixel tags also allow us to send email messages in a format users can read, and they tell us whether emails have been opened, for example, to ensure that we are sending messages that are of interest to our users. We may use this information to reduce or eliminate messages sent to a user.

Do not track signals

Some internet browsers may be configured to send “Do Not Track” signals to the online services that you visit. We currently do not respond to do not track signals. To find out more about "Do Not Track," please visit

10. Changes to this Privacy Policy

Your use of the Site constitutes your acceptance of the terms of this Privacy Policy, as may be amended or revised by us. We may update this Privacy Policy, from time to time. We may advise you that changes have been made by posting a notice on the Site or otherwise.  The date of the latest revisions will be noted above at the beginning of this Privacy Policy. Please consult the Site and the Privacy Policy regularly for any changes.

11. Notice to End Users outside the United States

You should be aware that the United States and other countries have not harmonized their privacy regulations.  Because the Site is intended specifically for End Users in the United States, we have written this Privacy Policy to satisfy United States regulations. By using the Site and the services available on the Site, you agree to the level of privacy protection set out in this Privacy Policy. The goods and services offered on this website are not intended for members located outside of the United States.

If you have any questions or comments or receive any unwanted e-mail from the Site, please contact the Webmaster via e-mail at

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