Legal Notice

Be sure to read this Legal Notice, as it covers the terms and conditions applicable to accessing and using this Web site. As a condition to accessing and using this Web site you agree to accept the terms and conditions below.

Thank you for taking the time to visit our website. This website is owned and operated by Horizon Healthcare Services, Inc. d/b/a Horizon Blue Cross Blue Shield of New Jersey, together with its subsidiaries and affiliates (collectively, “Horizon BCBSNJ”). As you view this material, please read and follow these Terms of Use in their entirety as they cover the terms and conditions applicable to accessing and using this website. As a condition to accessing and using this website, you agree to accept the terms and conditions below.

Horizon BCBSNJ has made every effort to present the information contained on this website accurately; however, additions, deletions and changes may occur. Horizon BCBSNJ has no obligation to update this website on a timely basis, and content may be out of date and may contain inaccuracies or errors at any time. The website highlights Horizon BCBSNJ's health products and services, and is for educational purposes only.

NEITHER HORIZON BCBSNJ NOR ITS EMPLOYEES, AGENTS, SUCCESSORS, AND/OR ASSIGNS MAKE ANY WARRANTIES, EXPRESS OR IMPLIED, INCLUDING THE WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, OR ASSUME ANY LEGAL LIABILITY OR RESPONSIBILITY FOR THE ACCURACY, ADEQUACY, QUALITY, COMPLETENESS, OR TIMELINESS OF ANY INFORMATION CONTAINED AT THIS WEBSITE. FURTHER, HORIZON BCBSNJ SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, CONSEQUENTIAL, OR INCONSEQUENTIAL DAMAGES TO THE USER, OR A THIRD PARTY ARISING FROM THE USE OR RELIANCE UPON THE INFORMATION CONTAINED ON THE WEBSITE, OR ANY OTHER LINKED WEBSITE, INCLUDING WITHOUT LIMITATION, ANY LOST PROFITS, BUSINESS INTERRUPTION, OR LOST DATA, EVEN IF HORIZON BCBSNJ HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, AND REGARDLESS OF THE FORM OF THE ACTION.

Horizon BCBSNJ does not warrant or guarantee that any files available for downloading are free of cookies, viruses, worms, “Trojan horses,” or other harmful or destructive elements. Please note that downloaded information may be subsequently updated by Horizon BCBSNJ and it is the responsibility of users to ensure that the information they have downloaded is the most up-to-date information made available by Horizon BCBSNJ.

The content is general in nature and is not a substitute for professional health care. It is not meant to replace the advice of health care professionals. If you have specific health care needs, or need your complete health information, please see a doctor or other health care provider. Check with your doctor before starting any new diet or exercise program.

The information provided in this website is not intended to replace or modify the terms, conditions, limitations, and exclusions contained within health benefit plans issued or administered by Horizon BCBSNJ. In the event of a conflict between the information contained on this website and your plan documents, your plan documents shall control.

The content is limited in nature and may not contain all the relevant terms, conditions, limitations or exclusions of any product and service on the website. The content on this website does not constitute any offer to sell or promote products. Anyone interested in a particular product or service should contact a Horizon BCBSNJ representative.

This website is not intended to attract children under the age of 13. We do not collect personally identifiable information from any person we know is under the age of 13. Some of the content on this website may not be appropriate for children. Parents or guardians are solely responsible for providing supervision of minors’ use of this website.

Horizon BCBSNJ has no liability for any actions taken as a result of or in connection with viewing this website. In providing information through its sites, Horizon BCBSNJ does not assume any liability as a result of the use or misuse of the information. By your use of this information, you recognize and agree to hold Horizon BCBSNJ harmless from any liability arising from your use of this information. You agree to use this website and submit information at your own risk.

Some pages of our website may include links to others that we do not own, control or influence. We refer to external websites that we think might be useful to you, but we are not liable for their content or privacy practices. Information contained in those websites is not endorsed by Horizon BCBSNJ.

Use your own best judgment before sending personal or confidential data to Horizon BCBSNJ through the Internet. Please Contact Us for any questions that you may have in this regard.

All service-marked, trademarked and registered items are the sole and exclusive property of Horizon BCBSNJ unless otherwise noted. All rights are reserved. They may not be downloaded, distributed, transmitted, reproduced, reprinted, or used, in whole or in part, in any manner except (i) for personal use, or (ii) with the written consent of Horizon BCBSNJ or the copyright holder.

For purposes of any information contained within this website, or any offer or business arising from the use of this website, the laws of the State of New Jersey shall apply.

Our Privacy Statement is part of these Terms of Use. It explains how we collect and use data you give us. Horizon BCBSNJ may change or update both documents from time to time without notice, so please check back to keep informed. These Terms of Use do not create any contractual or other legal right in or on behalf of any party.

Last Updated: March 10, 2016

Privacy Statement At Horizon Blue Cross and Blue Shield of New Jersey (Horizon BCBSNJ), we know how important your privacy is to you, and it is very important to us as well. Whether you are a current customer or just visiting our website, we are committed to attempting to protect the information you provide, just as we protect it when you provide it to us over the phone, in person or through the mail.

We value your relationship with us, so we want you to understand our privacy objectives for our website, and how and why we collect, use and disclose the personal information about you on our websites. If you are a customer of Horizon BCBSNJ, you have also received the Horizon BCBSNJ HIPAA Notice of Information Privacy Practices that describes Horizon BCBSNJ's use and disclosure of your "protected health information" under the Health Insurance Portability and Accountability Act of 1996 ("HIPAA"). If you are not yet a customer, but are applying for an insurance product through this website, any information you supply to us is protected as stated in that HIPAA Notice. This website Privacy Statement supplements that HIPAA Notice by providing you with information concerning Horizon BCBSNJ's practices and procedures relating specifically to information we collect at this website.

Use of Email We appreciate your questions and comments about our website and services and welcome your email messages to mailboxes listed on our websites. We will share your messages with those within our organization who are most capable of addressing the issues contained in your message. We preserve the content of your email, your email address and our response so that we can efficiently respond to questions you might have. We also do this in an effort to meet legal and regulatory requirements. We will respect your request not to be contacted by email.

Please use your own best judgment when sending information via the Internet to an email address. Email sent via the Internet may pass through private and public networks with varying levels of security. Some networks may have taken steps to secure email transmissions while others have not, thereby compromising the privacy and integrity of an email. An email may be copied, altered or destroyed. You may always convey confidential, personal or sensitive information more securely by calling the appropriate member service phone number that you will find under Contact Us.

Confidentiality and Security We restrict access to personal information collected about you at our websites to our employees, our affiliates' employees, or others who need to know that information to provide services to you or are conducting our normal business operations. We maintain appropriate physical, electronic, and procedural safeguards to protect personal information.

Please note the advice above, under "Use of Email," regarding sending confidential, personal or sensitive information by email. If you do provide your personal information to us, such as an email, telephone or fax number, or other identifying information, we do not plan to disclose it without your consent. We will plan to maintain this information, as well as any other transactions, according to our usual security and confidentiality standards.

Links to Other Websites For your convenience we may provide links to other websites and web pages that we do not control. We cannot be and thus, we are not responsible for the privacy practices of any websites or pages not under our control. We do not endorse any of these websites or pages, the services or products described or offered on such sites or pages, or any of the content contained on those sites or pages.

Communications Horizon BCBSNJ takes the security of its members seriously and recognizes the risks created by so called “phishing” and “spoofed” emails or text messages. These messages can be used as methods to lure individuals to log in to fake websites to “validate” information. They can also be used to convince them to click and run a program attached to an email or on a website. As part of our commitment to keeping member information secure, we are advising you of our communications practices to assist you with identifying legitimate communications from us.

Hyperlinks and Attachments. We will never send you a message requesting you “click” on a link to validate information. Additionally, we will never solicit you to execute an attachment in an e-mail, or run an email attached program on your home computer.

Messaging Mistakes. We carefully review all our communications before transmission. If you find grammatical errors, typographical errors, or awkward wording within our communications, be suspicious. Validation of Information. We will never claim your account may be closed if you fail to validate, verify or authenticate your personal information via email.

Personal Information Requests. We will never solicit you to reply via email with any personal information such as your Social Security number, Subscriber Card Number, banking information, login credentials or passwords. If you receive an electronic communication requesting these things, do not respond.

System and security updates. We will never claim the need to confirm or correct information about you via email because of a system change or upgrade.

Unsolicited Offers. We will never ask you to fill out a customer service survey in exchange for money. We will never solicit you to provide an account number to receive moneys won in a contest.

If you receive a suspicious communication claiming to be from us, please forward it to us immediately at abuse@horizonblue.com.

Use of Cookies or Other Data Collection Tools Horizon BCBSNJ uses “cookies” on many of its web pages to enhance your experience with our sites. Cookies are text files we place in your computer’s browser to store your web preferences. By themselves, cookies do not tell us your email address or other personally identifiable information unless you choose to provide this to us by, for example, registering at one of our sites. However, once you choose to furnish the site with such information, it may be linked to the data stored in the cookie.

We use cookies to understand site usage and to improve the content and offerings on our sites. For example, we may use cookies to personalize your experience at our web pages (e.g., to recognize you by name when you return to our site), save your password in password protected areas, and enable you to use shopping carts on our sites. We also may use cookies to offer you products, programs or services.

You can decide if and how your computer will accept a cookie by configuring your preferences or options in your browser. However, if you choose to reject cookies, you may not be able to use certain online products, services or features on our website. We may occasionally use other companies to set cookies on our websites and gather cookie information for us. In some cases we may also use another company to operate web servers for our website. We use the cookie information gathered by these companies in the same manner as stated above.

Horizon BCBSNJ may collect information from its website visitors (apart from its proper use of private information that it may otherwise collect from members through its Internet member portal). This may be collected when a visitor registers for online services, enters a Horizon BCBSNJ sweepstakes, leaves feedback or otherwise expresses an opinion about our site.

The types of personally identifiable website visitor information that may be collected at Horizon BCBSNJ’s web pages include: name, address, email address, telephone number, fax number, and information about your interests in and use of various products, programs and services. In addition, when we send you emails, we may include a “web beacon,” which allows us to determine the number of people who open our emails. When you click on a link in an email, we may record this individual response – to allow us to customize our offerings to you. Web beacons collect only limited information, such as a cookie identifier, time and date of a page being viewed; and a description of the page on which the web beacon resides (the URL).

Horizon BCBSNJ may use personally identifiable Web visitor information to communicate with you, such as to notify you when you have won one of our sweepstakes; or that we have made enhancements to our Web site.

Horizon BCBSNJ may also collect and use non-personally identifiable website visitor information, such as the type of browser you are using (e.g., Mozilla, Internet Explorer), the type of operating system you are using (e.g., Windows XP or Mac OS), or the domain name of your Internet Service Provider (e.g., America Online, Earthlink). Horizon BCBNSJ may use such website visitor information to improve the design and content of our site and to enable us to personalize your Internet experience. We may also use this information in the aggregate, to analyze website usage.

Copyright Infringement Notification If you are a copyright owner or an agent for such an owner and believe that any content on the Horizon BCBSNJ internet, intranet or extranet sites violates your rights, you may submit notice in writing under the Digital Millennium Copyright Act ("DMCA") (see 17 U.S.C.512(c)(3). To do so, you must provide our Copyright Agent with the following:

  1. A physical or electronic signature of a person permitted to act on behalf of the copyright owner;
  2. Identification of the material that you believe has been improperly copied, published or displayed. If you believe there is more than one instance of such improper use of materials at our online site, include a list;
  3. Identification, by location or link, of the material or activity that you believe infringed on your copyright and that is to be removed, or access to which is to be disabled;
  4. Information that enables Horizon BCBSNJ to contact you, such as an address, telephone number and email address;
  5. A statement that you believe in good faith that use of the material in the manner complained of is not allowed by the copyright owner, its agent, or the law; and
  6. A statement that the information in your notice is accurate, and under penalty of perjury, that you are given power to act on behalf of the copyright owner of the material that is allegedly infringed.

Our designated Copyright Agent to receive notifications of claimed infringement is:

Legal Affairs
Horizon Blue Cross and Blue Shield of New Jersey
Three Penn Plaza East, PP-16C
Newark, New Jersey 07105-2200
Email: abuse@horizonblue.com

If you fail to meet all of the requirements, your DMCA notice may not be valid. Please also note that under Section 512(f) of the DMCA, any person who knowingly reports falsely that material or activity is infringing may be held legally responsible.

Changes to our Website Privacy Statement Evolving technology will continue to provide us with new and better ways to collect and use information so that we may better serve your health coverage needs. We may change this Statement at any time and from time to time. This Statement is not intended to and does not create any contractual or other legal right in or on behalf of any party.

Contacting Us If you have any questions about this Statement or would like to learn more about how we protect privacy, please contact us.

Last Updated: January 30, 2013

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