Terms and Conditions of Use

PLEASE READ THESE TERMS AND CONDITIONS OF USE PRIOR TO USING THIS WEBSITE

  1. GENERAL TERMS AND CONTRACT BETWEEN US
  2. Binding Contract. These Terms and Conditions of Use (Terms and Conditions) are a binding contract between you and Louisiana Health Service & Indemnity Company and Blue Cross and Blue Shield of Louisiana and its subsidiaries and affiliates – HMO Louisiana, Inc. and Southern National Life Insurance Company, Inc. (BCBSLA).  BCBSLA owns and operates this website. Unless stated in these Terms and Conditions, there are no third-party beneficiaries to this contract.

    BCBSLA. BCBSLA primarily does business at 5525 Reitz Avenue, Baton Rouge, Louisiana 70809 and is an independent licensee of the Blue Cross and Blue Shield Association that provides medical, dental, and life insurance coverage.

    Your Agreement. All website users (“you”, “your” and “they”) represent and warrant that they (1) are at least 18 years of age, (2) possess the legal right and ability to agree to these Terms and Conditions, and (3) shall use this website in accordance with these Terms and Conditions. Use of this website is conditioned on acceptance, without modification, of all Terms and Conditions. By using this website, you unequivocally acknowledge and represent that you have read, understand, and agree to be bound by these Terms and Conditions.  If you do not agree with the Terms and Conditions of this website, you are not authorized to access or use the website. You further expressly state that you have read and agree to the provisions of BCBSLA’s privacy policy.

    Amendment. BCBSLA reserves the right at its discretion to modify the Terms and Conditions. Your use of this website after such modification shall be deemed your unequivocal agreement to the modified Terms and Conditions.

    Materials. BCBSLA owns or has third-party permission to post all material and information displayed or transmitted on this website, including but not limited to text, photographs, images, illustrations, video clips, audio clips, logos, trade names, trade dress, brands, and graphics (Materials).  All Materials are protected by United States and international copyright, trademarks, service marks, and other proprietary rights, and various state and federal laws.

    Materials Conditions. Except as described otherwise, all Materials are made available only to provide information about BCBSLA or its products and services. BCBSLA controls and operates this website from its headquarters in Baton Rouge, Louisiana, and makes no representation that these materials are appropriate or available for use in other locations. The descriptions of products and services on this website are not intended to constitute offers to sell or solicitations in connection with any product or services, and not all products and services are available in all areas to all persons. Services and products are subject to applicable laws and regulations. If you are interested in a particular product or service, please contact BCBSLA Customer Service to obtain additional information about a product or service, or to speak with an agent. The Materials are furnished free of charge and for informational purposes only. Although we may update the content of this website from time to time, information changes rapidly. BCBSLA has no obligation to update the information.

    Material Restrictions. You may not copy, reproduce, publish, transmit, transfer, sell, rent, modify, create derivative works from, distribute, repost, perform, display, or in any way commercially exploit the Materials, nor may you infringe upon any of the copyrights or other intellectual property rights contained in the Materials. You may not remove or alter, nor cause to be removed or altered, any copyright, trademark, or other proprietary notices or visual marks and logos from the Materials.  Any unauthorized use or modification of the Materials is prohibited. and is a violation of BCBSLA copyright, service marks and other proprietary rights.

    Your Lack of Ownership in Materials. You acquire no rights or license whatsoever in the Materials other than the limited right to use the website in accordance with these Terms and Conditions. Any Materials accessed or downloaded from this website must be accessed or downloaded in accordance with the Terms and Conditions. BCBSLA reserves any rights not expressly granted under these Terms and Conditions of use.

    Termination. BCBSLA reserves the right to modify, update, suspend, discontinue, or restrict your use of or access to this website or any portion of this website, at any time and without notice or liability for any commercially reasonable reason.

    Your Liability. You are liable to BCBSLA for all claims, actions, losses, damages, costs and expenses (including attorney fees) arising from your use of the website including, but not limited to, your upload of anything to this website that belongs to anyone else, is copyrighted, trademarked or infringes upon another party’s intellectual property rights.

    Passwords and Credentials. To the extent your use of the website requires a password or credentials, you agree that you will not share your account or account information with others. You are responsible for taking reasonable steps to maintain the confidentiality of your username and password, and you are responsible for all activities under your account that you can reasonably control. You agree to promptly notify us of any unauthorized use of your username, password, or other account information, or of any other breach of security that you become aware of involving your account or the Materials.

    Links. You are not authorized to link to this website. Further, no portion of this website may be included, framed into, or embedded within another website or online presence.

  3. NOT MEDICAL ADVICE
  4. THE CONTENT OF THIS WEBSITE IS PROVIDED AS GENERAL INFORMATION ONLY AND IS NOT MEDICAL, LEGAL, OR HEALTH PLAN PURCHASING ADVICE. THE INFORMATION ON THIS WEBSITE IS NOT DESIGNED TO REPLACE HEALTH CARE OR MEDICAL ADVICE FROM A HEALTH CARE PROFESSIONAL. ALL QUESTIONS ABOUT INDIVIDUAL CARE AND TREATMENT SHOULD BE REFERRED TO YOUR HEALTH CARE PROVIDER.

    BCBSLA has designed this website to provide information to you regarding our products and services. Nothing contained on this website should be construed as medical advice, medical opinion, diagnosis or treatment. BCBSLA expressly and unequivocally states that nothing on this website and no Materials contain any medical advice or medical opinion whatsoever.

  5. USAGE RULES
  6. Third-Party Services or Platforms. This website may integrate, be integrated into, or be provided in connection with third-party websites, services, applications, platforms, and/or content. We do not control those third-parties or the products they make available. You should read the terms of use agreements and privacy policies that apply to such third-party products. If you access a BCBSLA website using an Apple iOS, Android or Microsoft Windows-powered device, you agree that your access to this website using these devices also shall be subject to the usage terms set forth in the applicable terms of service governing your use of such devices. You represent to BCBSLA that you have read and agreed to those terms.

    Internet, Browser and System Requirements. You may need a high-speed internet connection and/or minimum system and/or browser requirements to access and use certain aspects of the website. You are required to review the minimum requirements necessary for use of the specific Product.

    Mobile Networks. When you access the website through a mobile network, your network or roaming provider’s messaging, data and other rates and fees will apply. Downloading, installing, or using certain aspects of the website may be prohibited or restricted by your network provider and not all such aspects may work with your network provider or device.

    App Permissions. When using the website you may grant certain permissions to us for your device and/or accounts. Most mobile device platforms provide additional information regarding these permissions and how, if possible, to changes your permission settings. By downloading, installing or using the any BCBSLA app, you agree to receive automatic software updates (as applicable).

    Malware. You agree not to knowingly or recklessly introduce a virus or other harmful component, or otherwise tamper with, impair or damage any BCBSLA website, Materials, or connected network, or interfere with any person or entity’s use or enjoyment of any such BCBSLA website or Materials.

  7. LEGAL AND JURISDICTION
  8. Personal Jurisdiction. By accessing, transmitting, using, or viewing any information on this website, you irrevocably agree to be subject to personal jurisdiction in the state of Louisiana. The exclusive venue for making any legal claim or originating any dispute arising out of accessing, transmitting, using, or viewing any information on this website shall be East Baton Rouge Parish, Louisiana.  Any such dispute or legal proceeding shall be exclusively governed by the laws of the state of Louisiana, without regard to any conflicts of law.

    Binding Arbitration. Any dispute arising from your use of this website shall be submitted to and resolved by binding arbitration. BINDING ARBITRATION IS THE SOLE AND EXCLUSIVE MECHANISM FOR THE RESOLUTION OF ALL DISPUTES.  Arbitration shall be conducted in accordance with the rules of the American Arbitration Association (“AAA”), specifically the commercial arbitration rules.  The arbitration shall be initiated in accordance with the protocol outlined in the commercial rules.  The arbitration shall be conducted in Baton Rouge, Louisiana before a single arbitrator mutually agreed upon by the parties.  If the parties cannot mutually agree upon an arbitrator, the arbitrator will be selected in accordance with the commercial arbitration rules as if there is no direct party appointment of the arbitrator.  The arbitrator shall be bound to resolve the dispute under the terms and conditions of this Agreement.  The Arbitrator shall not award any consequential, special, punitive, or exemplary damages, each of which are expressly waived by both parties.  The award of the arbitrator shall be in writing and shall be final and binding upon the parties. Any such award shall be enforceable or challenged pursuant to the Federal Arbitration Act (9 USC 1, et seq.) or the Louisiana Arbitration Law (La.R.S. 9:4201, et seq.) as applicable.

    Survival. If a court, arbitrator, mediator, or other tribunal of competent jurisdiction holds any of the provisions of these Terms and Condition to be unenforceable such provisions shall be limited or eliminated to the minimum extent necessary so that the remaining Terms and Conditions remain in full force and effect.

    Severability. BCBSLA’s failure to act with respect to a breach by you or others of these Terms and Conditions shall not waive BCBSLA’s right to act upon subsequent or similar breaches. These Terms and Conditions set forth the entire understanding and agreement between BCBSLA and you with respect to your use of the website.

  9. DISCLAIMERS AND LIMITATIONS OF LIABILITY
  10. Disclaiming Liability Arising from Your Use. Use of this website is solely at your own risk, and BCBSLA disclaims all express and implied to the fullest extent allowed by law.

    Disclaiming Liability Arising from Materials. This website and all Materials, including but not limited to information, graphics, audio, video, software, and other date, if any, are provided As-Is without express or implied warranties or guaranties of any kind, including but not limited to any warranty of merchantability, fitness for a particular purpose, or non-infringement.

    The Materials  may contain inaccuracies, typographical errors, or out-of-date information. BCBSLA does not warrant, represent, or guarantee the accuracy, timeliness, or completeness of this website or any of the Materials. BCBSLA disclaims any responsibility for errors or omissions in the Materials, other related documents, or other information referenced by or linked to this website. BCBSLA will not be liable to you or anyone else for any decision made or action taken by you or anyone else in reliance on Materials obtained or downloaded from this website, or any direct, indirect, consequential, incidental, special, or similar damages even if BCBSLA is advised of the possibility of such damages.

    Disclaiming Liability Arising from Links. BCBSLA expressly disclaims any responsibility for any third-party websites, which are provided for your convenience on an As-Is basis without warranties of any kind, express or implied. BCBSLA accepts no responsibility for the content, products, or services provided at non-BCBSLA locations that may be linked to or referenced within this website. BCBSLA does not regularly review the content of other websites. The links contained on this website do not imply any endorsement or sponsorship of any other website or any of the products or services that may be offered on any other website. BCBSLA does not control, endorse, promote, or have any affiliation with any other website unless expressly stated on this website.

    No Uninterrupted Service. BCBSLA does not guarantee continuous, uninterrupted service to this website. Operation of thi website may be interfered with by numerous factors outside BCBSLA’s control.

    Limitation of Liability. IN NO EVENT WILL BCBSLA BE LIABLE, WHETHER IN TORT OR CONTRACT OR UNDER ANY OTHER LEGAL LIABILITY (INCLUDING STRICT LIABILITY AND NEGLIGENCE) FOR LOST PROFITS OR REVENUES, LOSS OR INTERRUPTION OF USE, LOST OR DAMAGED DATA OR SECURITY, DAMAGES, COSTS, EXPENSES, OR FOR ANY ECONOMIC LOSS, ANY INDIRECT, EXEMPLARY, SPECIAL, INCIDENTIAL, CONSEQUENTIAL OR SIMILAR DAMAGES ARISING FROM OR RELATING TO VIEWING, USING OR ACCESSING THIS WEBSITE, EVEN IF BCBSLA WAS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. BY VIEWING, USING OR ACCESSING THIS WEBSITE, YOU AGREE THAT THE TOTAL AGGREGRATE LIABILITY OF BCBSLA AND ITS SUBSIDIARIES ARISING FROM USE OR RELATED TO USE OR VIEWING OF THIS WEBSITE SHALL NOT EXCEED ONE HUNDRED ($100.00) DOLLARS.

    Legal Contact. If you have any questions or comments regarding Terms and Conditions contact:

    Legal Affairs Department
    Blue Cross and Blue Shield of Louisiana
    5525 Reitz Avenue
    Baton Rouge, LA 70809

  11. PAPERLESS

    BCBSLA’s paperless program allows you to access your plan related information through your online account at bcbsla.com. You will receive email notifications when a document subject to the paperless program is made available to you. Please note that BCBSLA is required to send some documents by mail even if you have elected paperless.  A general overview of the paperless program rules follows.

    Electronic Documents. Types of documents that will eventually be provided electronically: Contract Books, Schedule of Benefits, Explanation of Benefit, Notices, Summary of Benefit Comparisons, Premium Invoices (individual policyholders), Tax documents.  Not all documents are currently available in electronic format. Please create and log into your account to view documents that can be sent electronically, for example Explanation of Benefit documents, which are eligible.

    Request for Electronic Delivery. You may request any document or notice be delivered to you via mail at no charge to you. To request a copy, please contact Customer Service Monday through Friday from 8 a.m. to 8 p.m.

    Opt-out of Electronic Delivery. At any time you can elect to opt out of the paperless program. To no longer participate, simply log in to your My Account and change your paperless preference to no.

    How to Change Information. If you need to change your email address, you can do so by one of the following options: (1) log in to your online account at bcbsla.com and navigate to Manage My Account, or (2) contact Customer Service Monday through Friday from 8 a.m. to 8 p.m.

    Computer requirements

      • Computer:
        • Processor (CPU) with 2 gigahertz (GHz) frequency or above
        • A minimum of 2 GB of RAM
        • Monitor Resolution 1024 X 768 or higher
        • Internet Connection Broadband (high-speed) Internet connection with a speed of 4 Mbps or higher
        • Keyboard and a Microsoft Mouse or some other compatible pointing device
      • Operating System:
        • Windows 7, Windows 8 or Windows 10
        • Mac OSX 10.8, 10.9, 10.10 or 10.11
      • Browsers:
        • Chrome 36+
        • Edge 20+
        • Mozilla Firefox 31+
        • Safari 6+ (MacOS only)
      • Software:
        • Adobe Acrobat Reader --for PDF files Adobe® Reader®. If you do not have Acrobat Reader, click on the link Acrobat Reader to download to your computer

    Questions. If you have any questions or need assistance, please contact BCBSLA Customer Service. You can find the number for Customer Service on the back of your Membership ID card or on our Contact Us page.  Our Customer Service staff is available Monday through Friday from 8 a.m. to 8 p.m. You can contact our Customer Service any time through our Public Secure Inquiry Form.

  12. COPYRIGHT AND USE

Copyright © 2022, All Rights Reserved. Louisiana Health Service & Indemnity Company and Blue Cross and Blue Shield of Louisiana.

All service marks, trademarks and registered items are the sole and exclusive property of BCBSLA unless otherwise noted. All rights are reserved.

Updated June 15, 2022