Terms & Conditions

This website and the services offered through this website (collectively, this “Site”) are operated and maintained by Blue Cross & Blue Shield of Rhode Island (“Blue Cross”). PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY BEFORE USING THIS SITE.

Internet Terms & Conditions

The following terms and conditions ("Terms ") govern your use of this Site. By accessing, viewing, or using the material on the Site, you indicate that you understand and accept these Terms. We may revise and update these Terms at any time. Please periodically review these Terms as posted on this Site, because your continued use of this Site after changes to these Terms have been posted will mean that you accept those changes.

No Solicitation or Offer

This Site is designed to provide general information about Blue Cross, its products, services, and plans.Information on the Site is not intended to constitute an offer to sell or a solicitation of any particular product or service. Some products and/or services may not be available for all employees, members, or in all areas of the State of Rhode Island.

No Medical or Legal Advice

The information provided on this Site is for general informational purposes. It is not medical or legal advice and is not a substitute for obtaining up-to-date, professional advice from a qualified person. Always consult  with your doctor for appropriate examinations, treatment, testing, and care recommendations. Do not rely  on information on this Site as a tool for self-diagnosis. If you have questions about any law or requirement referenced in this Site, you should contact your own legal counsel.

If your use of this Site involves exercise, please consult with a physician prior to beginning any exercise or exercise program. When undertaking any exercise activity, there is a risk of injury. Although we try to outline the safest and most effective methods of fitness training, we cannot prevent injuries from occurring. You should be healthy and familiar with the proper form, techniques, and preparation for the exercises you undertake and the equipment you use. Always use safe techniques and protective equipment when engaging in exercise. If you are unfamiliar with the proper and safe techniques and equipment for the exercises you intend to perform, please seek advice and assistance before performing them. Discontinue exercising if you experience any headaches, dizziness, shortness of breath, or discomfort, and consult your physician or other health care provider. Blue Cross is not responsible or liable for any injury that may result from your exercise. Blue Cross assumes no liability or responsibility for damage or injury to persons or property arising from any use of any product, information, idea, or instruction contained in the materials provided to you.

Privacy and Security

Blue Cross has a Privacy Statement disclosing what information we collect about visitors to this Site, how we use such information, the steps we take to secure such information, how you can view and correct such information, and how you can decline to have information about you collected or used. The Privacy Statement also discloses information about the security and confidentiality of information that you submit to us via e-mail or this Site. Click here to view the Privacy Statement. Please be advised that the confidentiality of any communication or material transmitted to Blue Cross via this Site or Internet electronic mail cannot be guaranteed. To ensure private and personalized attention, you may contact Blue Cross by telephone at 401-459-1000 or at the telephone numbers provided at various locations on our Site, or by writing to us at Blue Cross & Blue Shield of Rhode Island, 500 Exchange Street, Providence, Rhode Island 02903-2699, Attn. Web Services. The security of your electronic communications to Blue Cross is discussed in further detail in our Privacy Statement.

Email Communications

You acknowledge and agree that if you provide your email address to Blue Cross, we may use your email address for all Site-related and other communications with you. You hereby consent to our use of your email address for all communications.

Your Use of this Site

User Responsibility for Site Use. You may NOT share your password or account with others or with any third party. You must notify Blue Cross at Blue Cross & Blue Shield of Rhode Island, 500 Exchange Place,Providence, RI 02903, Attn: Web Services, of any known or suspected unauthorized use(s) of your account,or any known or suspected breach of security, including, but not limited to, loss, theft or unauthorized disclosure of your password. You are responsible for all usage or activity on this Site with your account. Any fraudulent, abusive, or otherwise illegal activity may be grounds for termination of your access to this Site, at Blue Cross’ sole discretion and Blue Cross may refer you to appropriate law enforcement agencies.

Restrictions. Subject to your acceptance of these Terms, Blue Cross authorizes you to view, download and/or print a small number of copies of the content on this Site solely for your personal, noncommercial use, provided you keep intact all copyright and other proprietary notices. Otherwise, no content from this Site may be reproduced, modified, republished, transmitted, displayed, performed, or distributed in any way. You may not modify, sell, assign, or transfer the content or reproduce, display, distribute or otherwise use the content in any way for any public or commercial purpose or otherwise except as expressly permitted herein. You may not reverse-engineer, disassemble, decompile, or create any derivative works based on the content. Content is subject to change without notice at the discretion of Blue Cross.

Use of Interactive Areas. Blue Cross may provide interactive forums, chat rooms, blogs, news groups,bulletin boards, scorecards, rating and review tools, and other interactive areas (“Interactive Areas”) on this Site. Interactive Area postings do not represent the professional advice or opinions of Blue Cross or its staff. Blue Cross does not assume any responsibility for the truthfulness, accuracy, or reliability of any material posted on any Interactive Area, or of consequences of any Interactive Area communications on or arising from use of this Site. ANY RELIANCE ON CONTENT POSTED IN AN INTERACTIVE AREA IS AT YOUR OWN RISK. In cases where you feel threatened or believe someone else is in danger, you should contact your local law enforcement agency immediately.

You are responsible and liable for all activities conducted by you in such Interactive Areas and for the content of your messages. You are responsible for ensuring that you do not act in any manner which constitutes, or forms a part of a course of conduct amounting to, a violation of any state, federal or other applicable competition law. You specifically agree that you will not:

  • Violate any code of conduct or other guidelines which may be applicable for any particular Interactive Area;
  • Allow any other person or entity to use your identification to post or view comments;
  • Delete, modify, hack or attempt to change or alter any of the content on the Site;
  • Use the Interactive Area in connection with surveys, contests, pyramid schemes, chain letters, junk email, spamming or any duplicative or unsolicited messages (commercial or otherwise);
  • Use any device, software or routine intended to damage or otherwise interfere with the proper functioning of an Interactive Area or take any other action that interferes with other parties’ use of the Site;
  • Use any robot, spider or other automatic or manual device or process for the purpose of harvesting or compiling information on the Site for purposes other than for a generally available search engine;
  • Advertise or offer to sell or buy any goods or services for any business purpose, unless such an Interactive Area specifically allows such messages;
  • Restrict or inhibit any other user from using and enjoying the Interactive Areas;
  • Publish, post, upload, distribute or disseminate any inappropriate, profane, obscene, indecent or unlawful topic, name, material or information; or
  • Defame, abuse, harass, stalk, threaten or otherwise violate the legal rights of any third party.

Blue Cross has no obligation to monitor any Interactive Areas on this Site. However, Blue Cross reserves the right to review, reprint, modify, distribute, remove or delete any posts in the Interactive Areas, regardless of whether such communication(s) violate these Terms. Blue Cross reserves the right at all times to disclose any information as Blue Cross deems necessary to satisfy any applicable law, regulation, legal process or governmental request, or to edit, refuse to post, or to remove any information or materials, in whole or  in part, in Blue Cross’ sole discretion. Blue Cross is not obliged to maintain back-up copies of any material submitted or posted on this Site.

USERS LESS THAN 18 YEARS OF AGE AND NOT AN EMANCIPATED MINOR MUST OBTAIN PARENTAL PERMISSION PRIOR TO ANY USE OF THE SITE. The parent or guardian assumes full responsibility for the interpretation and use of any information provided through this Site for the minor.

Links to Other Websites

This Site may contain links to other Internet Web Sites for the convenience of users in locating information and services that may be of interest. You acknowledge that these third-party sites are maintained by persons or organizations over which Blue Cross exercises no control, and Blue Cross is not responsible for the content, the accuracy of the information, and/or quality of products or services provided by or advertised on these third-party sites. Unless otherwise stated, links do not represent an intent to promote or endorse information, products or services.

Proprietary Rights

All material contained in this Site is protected by law, including but not limited to United States copyright law. Except as indicated, Blue Cross is the owner of the copyright in the entire content (including images, text and look and feel attributes) of www.BCBSRI.com and reserves all rights in that regard. Any commercial use of Site content is prohibited without the prior written consent of Blue Cross.

Opinions, Comments and Suggestions

Blue Cross welcomes your comments and suggestions about how to improve our products and services and this Site. By transmitting any such comments and/or suggestions (collectively, "Content") to Blue Cross,you automatically grant Blue Cross the royalty-free, perpetual, irrevocable, non-exclusive right and license to use, distribute, and display such Content (in whole or part) and/or to incorporate it in other works in any form for the full term of any rights that may exist in such Content.

Disclaimer of Warranty and Liability

While we endeavor to keep the materials on the Site up-to-date, Blue Cross cannot assume responsibility for any errors or omissions in these materials. Blue Cross has no obligation to update this Site and any information presented may be out of date and contain inaccuracies or errors. Blue Cross may make changes to these materials, to the products or services described herein, or to these Terms, at any time without prior notice, except as prohibited by law. Neither Blue Cross nor your employer or plan sponsor makes any representation or warranty concerning errors, omissions, delays or other defects in the information supplied to users, or that its files are free of viruses, worms, Trojan horses or other code that include or manifest contaminating or destructive characteristics.

USERS OF THIS SITE AGREE THAT BLUE CROSS SHALL NOT BE LIABLE FOR ANY CLAIM, LOSS OR DAMAGES WHICH MAY RESULT FROM THE USE OF, ACCESS TO, OR INABILITY TO USE THIS SITE. YOU AGREE TO USE THIS SITE AND SUBMIT INFORMATION AT YOUR OWN RISK.

BY ENTERING OR USING THIS SITE, YOU HEREBY EXPRESSLY AGREE THAT BLUE CROSS, YOUR EMPLOYER OR PLAN SPONSOR, AND THEIR RESPECTIVE PARENTS, OFFICERS, DIRECTORS, AGENTS AND EMPLOYEES, SHALL NOT BE LIABLE TO YOU FOR ANY DAMAGES, CLAIMS, DEMANDS OR CAUSES OF ACTION, DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE, AS A RESULT OF YOUR USE OF THIS SITE OR ANY INFORMATION YOU OBTAIN ON IT OR ANY OTHER INTERACTION WITH THIS SITE. IN DOING SO, YOU AGREE THAT YOU ARE WAIVING VOLUNTARILY AND UNEQUIVOCALLY ANY LIABILITY OF BLUE CROSS, YOUR EMPLOYER OR PLAN SPONSOR.  PLEASE NOTE THAT SOME JURISDICTIONS MAY NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN WARRANTIES, SO COME OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU.

Any claim or cause of action arising out of your use of this Site or these Terms must be filed within one (1) year after such claim or cause of action arose or it shall forever be barred, notwithstanding any statute of limitations or other law to the contrary. Within this period, any failure by Blue Cross to enforce or exercise any provision of these Terms or related right shall not constitute a waiver of that right or provision.

Resolution of Disputes

These Terms and the application of these provisions, disclosures and disclaimers and all other matters arising from your use of this Site, or of any information you obtain from this Site, shall be governed by the laws of the United States of America and the State of Rhode Island and Providence Plantations.

Other Terms of Use

Severability. If any part of these Terms is held by a court of competent jurisdiction to be invalid or unenforceable, that part will be enforced to the maximum extent permitted by law, and the remainder of these Terms will remain fully in force.

Notices. Any notice to Blue Cross shall be given in writing and sent by certified and registered mail to Blue Cross & Blue Shield of Rhode Island, 500 Exchange Place, Providence, RI 02903.

YOU HEREBY ACKNOWLEDGE THAT THE PROVISIONS, DISCLOSURES AND DISCLAIMERS SET FORTH ABOVE ARE FAIR AND REASONABLE, AND THAT YOUR AGREEMENT TO FOLLOW AND BE BOUND TO THEM IS NOT THE RESULT OF FRAUD,DURESS OR UNDUE INFLUENCE EXERCISED UPON YOU BY ANY PERSON OR ENTITY. BY USING THIS SITE OR ANY SERVICES OFFERED ON THIS SITE, YOU ACKNOWLEDGE AND CONFIRM THAT (I) YOU HAVE READ AND UNDERSTAND ALL OF THE ABOVE AGREEMENT, TERMS, POLICIES, PROVISIONS, DISCLOSURES AND DISCLAIMERS, (II) THAT THESE TERMS HAVE THE SAME FORCE AND EFFECT AS A SIGNED, WRITTEN AGREEMENT, AND (III) THAT YOU EXPRESSLY AGREE TO BE BOUND BY THESE TERMS.