“Application”) and that contain a link to these Terms. By using our Applications you are agreeing to the
USE OF THIS APPLICATION
The contents of this Application – whether the content is ours or is licensed to us by a third party -- are
protected by copyright. We authorize you to view and download material on this Application solely for
your own use. You may not sell or modify the material or otherwise use it for any commercial purpose.
You will not use this Application in violation of any laws, including the fraud and abuse or anti-kickback
provisions of the federal Medicare and Medicaid laws.
You will not, and will not permit anyone else to: (1) modify, adapt, alter, translate or create derivative
works of this Application; (2) use or merge this Application, or any component or element of this
Application, with other software, databases or services not provided by us; (3) sublicense, distribute, sell
or otherwise transfer the Application to any other party; (4) use the Application as a service bureau, or
lease, rent or loan this Application to any third party; (5) reverse engineer, decompile, disassemble or
otherwise attempt to derive the source code or structure of this Application; (6) interfere in any manner
with the operation of this Application; (7) circumvent, or attempt to circumvent, any electronic
protection measures in place to regulate or control access to this Application; (8) create a database by
systematically downloading and storing this Application; (9) use any robot, spider, site search/retrieval
application or other manual or automatic device to retrieve, index, scrape, mine data; or in any way
gather information from this Application or reproduce or circumvent the navigational structure or
presentation of this Application.
USE OF INFORMATION AND RESOURCES
We make this Application available for the purpose of access to health-related resources. Nothing on
this Application is intended to be a substitute for professional medical advice or for the care that
patients receive from their physicians. Nothing in this Application is intended to be used for medical
diagnosis or treatment. You should not disregard medical advice, or delay seeking medical advice,
because of something you read on this Application.
We are not responsible for information provided by health information content providers, third party
sites linked to or framed by the Application, and we do not make any representations regarding the
content, accuracy, or timeliness of any of such information.
LINKING TO OTHER APPLICATIONS
From time to time we may provide links to websites not owned or controlled by us. We do this because
we think the information might be of interest or use to you. A link to a third party website does not
constitute or imply endorsement by us. We cannot guarantee the quality or accuracy of information
presented on third party websites. While we do our best to ensure your privacy, we cannot be
responsible for the privacy practices of third party websites. We encourage you to review the privacy
practices of any website you visit.
APPROPRIATENESS OF CONTENT
This Application is not intended to attract children under the age of 13. We do not collect personal
information from any user that we know is under the age of 13. Some of the content on this Application
may not be appropriate for children. Parents or guardians are solely responsible for providing
supervision of minors’ use of this Application.
DIGITAL MILLENIUM COPYRIGHT ACT
We respect the intellectual property of others. If you believe that your copyrighted work has been
copied in a way that constitutes copyright infringement and is accessible on or through this Application,
you must provide the following information to us when providing notice of the claimed infringement:
A physical or electronic signature of a person authorized to act on behalf of the copyright owner
and identification of the copyrighted work that is infringed;
Information reasonably sufficient to permit us to contact you, such as an address, telephone
number and/or email address;
A statement that you have a good faith belief that the use of the material in the manner
complained of is not authorized by the copyright owner, its agent or law;
A statement that the information in the notification is accurate and, under penalty of perjury,
that the complaining party is authorized to act on behalf of the owner of an exclusive right that
is allegedly infringed.
The above information must be submitted in writing to us at 120 Monument Circle, Indianapolis, IN
46204, ATTENTION: LEGAL DEPARTMENT/DMCA COMPLAINT. This information should not be construed
as legal advice. For further details on the information required for valid DMCA notifications, see 17
WE AND OUR LICENSORS AND SUPPLIERS (INCLUDING ALL PROVIDERS OF CONTENT FOR
THIS APPLICATION) SHALL NOT BE LIABLE TO YOU, UNDER ANY CIRCUMSTANCES OR UNDER ANY
THEORY OF LIABILITY OR INDEMNITY, FOR ANY DAMAGES OR PENALTIES WHATSOEVER (INCLUDING, WITHOUT LIMITATION, INCIDENTAL INDIRECT, EXEMPLARY, PUNITIVE AND CONSEQUENTIAL DAMAGES, LOST PROFITS, OR DAMAGES RESULTING FROM LOST DATA OR BUSINESS INTERRUPTION) IN CONNECTION WITH THE USE OR INABILITY TO USE THIS APPLICATION OR THE CONTENT, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. WE SHALL BE LIABLE TO YOU ONLY TO
THE EXTENT OF ACTUAL DAMAGES INCURRED BY YOU. THE REMEDIES STATED FOR YOU IN THESE
TERMS AND CONDITIONS ARE EXCLUSIVE AND ARE LIMITED TO THOSE EXPRESSLY PROVIDED FOR IN
THESE TERMS AND CONDITIONS.
We and our licensors and suppliers are not responsible for any claims you may have against any medical
professionals, suppliers of products or other persons, institutions or entities identified in whole or in
part through this Application.
THE APPLICATION AND ITS SERVICES, CONTENT AND INFORMATION ARE PROVIDED AS
IS; WE AND OUR LICENSORS AND SUPPLIERS DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT OF THIRD PARTIES RIGHTS OR FITNESS FOR A
We are not licensed to sell products and services in all states. The descriptions of products and services
contained on this Application may not contain all of the terms, conditions, limitations and exclusions
that may be applicable. Before purchasing any health plan you should read the contract or explanation
of benefits that contains all exclusions and limitations on coverage.
We may terminate any user’s right to use this Application at any time. We reserve the right to block,
delete or stop the uploading of materials and communications that we find unacceptable for any reason.
If your right to use this site ends, you shall make no further use of this site or any information obtained
from this site.
CHANGES TO THESE TERMS
We may revise, modify or amend these Terms at any time. Any such revision, modification or
amendment shall be effective immediately upon either posting it to the Application or otherwise
notifying you. These terms were most recently updated November 1, 2016.
We make no claims that the content and information included at this Application is appropriate or may
be downloaded outside of the United States. Access to the content and information included at this
Application may not be legal by certain persons or in certain countries. If you access this Application
from outside the United States, you do so at your own risk and are solely responsible for compliance
with the laws of your jurisdiction and any other applicable laws.
These Terms shall be governed and construed in accordance with the laws of the State of Indiana
without regard to the choice of law provisions of any jurisdiction. We may without notice to you assign
our rights and duties under these Terms to any party at any time. Failure to enforce or insist on strict
performance of any provision of these Terms shall not be construed as a waiver of any provision or right.
You agree that any legal action or proceeding between us and you in any way related to these Terms
shall be brought exclusively in a court of a competent jurisdiction sitting in Indianapolis, Indiana. Any
cause of action or claim you may have against or involving us must be commenced within one year after
the claim or cause of action arises. Neither the course of conduct between the parties nor trade practice
shall modify the provisions of these Terms. The invalidity or unenforceability of any provision shall not in
any way affect the validity or enforceability of the rest of these Terms. These Terms constitutes the
entire agreement between you and us regarding your use of this Application, and it supersedes all prior
agreements, representations, proposals and other communications with respect this Application and its
If you have questions and comments, or if you believe that your confidentiality has been breached or
that any of your communications have been intercepted, or you wish to notify us regarding a suspected
violation of these Terms, please call Member Services immediately at the toll-free number on the back
of your ID card.