Terms and Conditions of Use

What is this about?

This information describes your relationship with our website. It outlines your rights and responsibilities in using our site, especially how you can use our information and how we can use yours.

Terms and conditions

Please read these terms of use carefully before using this site.

Welcome to bcbsm.com, a website provided by Blue Cross Blue Shield of Michigan. The following Terms and Conditions of Use govern your use of the Blue Cross Blue Shield of Michigan website. We may change the Terms and Conditions of Use at any time. Your use of our website (after updates are made to our Terms and Conditions of Use) is your agreement accepting the changes. Please revisit this Terms of Use page often for your review of updates. If you disagree with the Terms and Conditions of Use, you are instructed not to use this website.

Top of page

Ownership of this website and restrictions on use of materials

Blue Cross Blue Shield of Michigan owns and operates this website. The contents of the website, including but not limited to the text, images, layout and code, are proprietary information, intellectual property or copyrighted material belonging to BCBSM and its content providers. We and our content providers retain all right, title and interest in the content we make available to you.

No material from this website may be modified, copied, reproduced, republished, uploaded, posted, broadcasted, transmitted, framed, licensed, sold or distributed in any way without the prior written consent of BCBSM, except BCBSM authorizes you to view and download material on the website solely for your personal, non-commercial use. You may not erase or alter any copyright or other proprietary notices on any copies you make.

You may not cause or allow anyone to (1) co-brand the website or any portion (which means a name, logo trademark or other means of attribution or identification of any party displayed in such manner reasonably likely to give a website user the impression that such other party has the right to display, publish or distribute the Blue Cross Blue Shield of Michigan website or its accessible content); or (2) frame the website or any portion (where the website or portion will appear on the same screen with a portion of another website). You agree to cooperate with Blue Cross Blue Shield of Michigan in causing any unauthorized co-branding, framing or linking to immediately cease.

You may not use this website to:

  • Distribute anyone else's copyrighted material, intellectual property, or trade secret information without written permission of the owner;
  • Interfere with privacy or publicity rights of others;
  • Send a sexually-explicit image; use obscene, defamatory, threatening, harassing, abusive, or hateful language;
  • Embarrass any person, group or company;
  • Pretend to be another person by using their password or otherwise; or
  • Violate the Children's On Line Privacy Protection Act (COPPA).

You will not use this website in violation of any laws. Activity on this website is subject to monitoring by Blue Cross Blue Shield of Michigan at any time. Anyone who uses this site consents to such monitoring and agrees that BCBSM may use the results of such monitoring without limitation.

Top of page

Permitted use

You may use this website to transact your personal business matters with us and print out a copy of any website page or content solely for your personal use. You may not erase or alter any copyright or other proprietary notices on any copies you make.

Top of page

Disclaimers and limitation of liability

The website may contain inaccuracies or typographical errors. While we try to promptly correct all errors under our control that become known to us, Blue Cross Blue Shield of Michigan makes no representations on the accuracy, reliability, completeness or timeliness of the material. BCBSM has no obligation to update information presented on this website, so information herein may be out of date at any given time. Your website use and any of its material is at your own risk. Changes are made to the website often and can occur at any time.

Blue Cross Blue Shield of Michigan does not warrant that the website will operate error free or without interruption, or that the website and its server are free of all computer viruses or computer code harmful to your equipment, your programs or your data. The features, functions, service and content of the website are provided on an 'as is' basis without any warranties of any kind.

In no event will Blue Cross Blue Shield of Michigan, its service providers, content providers, employees, agents, officers and directors be liable for any incidental indirect, consequential or special damages, including loss of revenue or income, loss of programs or data on your equipment, pain and suffering, emotional distress or similar damages even if we have been advised of the possibility of such damages. If you are dissatisfied with any of the material on this website, or with any of BCBSM's terms and conditions, your sole and exclusive remedy is to discontinue using this site.

Top of page

Minor children

This website is not meant for use by children under the age of 18. We don't allow anyone under 18 to have a user ID for our website and don't collect any information from any person we know is under the age of 18.

Some of the content on this website may not be appropriate for children. Parents or guardians are solely responsible for supervising any use of the Blue Cross Blue Shield of Michigan website by minors under their custody.

Top of page

No personal healthcare advice or other advice

This website provides general educational information on health-related issues and provides access to health-related resources for the convenience of our users. This site and its health-related information and resources are not a substitute for professional medical advice or for the care that patients receive from their physicians or other health care providers.

This site and its health-related information resources are not meant to be the practice of medicine or the practice of nursing, or meant to carry out any professional health care advice or service in the state where you live. Nothing in this website is to be used for medical or nursing diagnosis or professional treatment.

Always seek the advice of your physician or other licensed health care provider. Always consult your health care provider before beginning any new treatment, or if you have any questions regarding a health condition. You should not disregard medical advice or delay seeking medical advice because of something you read in this site.

Top of page

Benefit information and eligibility

Descriptions of Blue Cross Blue Shield of Michigan products and services are offered in outline form as a convenience. They do not contain all the health plan benefit terms, conditions, limitations, procedures and exclusions that apply to your coverage.

Top of page

Your password responsibilities

Parts of our website are password-protected and for use only by Blue Cross Blue Shield of Michigan authorized users. If you register, you agree to provide us with accurate and complete registration information and to inform us immediately of any updates or other changes to such information. For example, you may not:

  • Enter, select or use a false name or an email address owned or controlled by another person with the intent to impersonate that person or use as a User ID a name subject to any rights of a person other than yourself without appropriate authorization. BCBSM reserves the right to refuse registration of or cancel a User ID in our discretion.

When you register to use a password-protected website, you will establish your account password. To protect your privacy, you alone are responsible to keep your password a secret. Our employees or agents will never ask you to tell them your password. Do not give out your password or allow it to be seen or used by anyone else. If someone else learns your password, they might use this website to get private information about you without your knowledge and BCBSM cannot stop the access until you change your password.

Our website allows you to change your password. We recommend that you use this feature to periodically change your password to better protect your privacy. If you think your password no longer is secret, you must use the password page of the website to immediately change it to protect your own privacy.

Top of page

Submitting information or posting communications

Some website pages may permit you to post communications or send us information. Unless a website page states information you chose to provide will be transmitted in a secure manner, your communication is not private. You are responsible for any communications you choose to post or information you choose to submit that we have not stated is transmitted by secure means. You assume any and all consequences (including, but not limited to, the possible loss of your privacy) resulting from your transmission of any unsecured information.

Top of page

Termination or limitation of access

Blue Cross Blue Shield of Michigan reserves the right to terminate or limit your access to the website or its content at any time without notice.

Top of page

imp-info

Questions?

If you have any questions about our online privacy practices, call 313-225-9000.

©1996-2014 Blue Cross Blue Shield of Michigan and Blue Care Network are nonprofit corporations and independent licensees of the Blue Cross and Blue Shield Association. We provide health insurance in Michigan.

State and Federal Privacy laws prohibit unauthorized access to Member's private information. Individuals attempting unauthorized access will be prosecuted.

Site Map  |  Feedback  |  Important Legal and Privacy Information

Explanation of Level A Conformance
Better Business Bureau Online Seal of Reliability