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Terms and Conditions of Use
Acknowledgment of the Company’s Terms and Conditions of Use
The information contained on these websites (or presented during any online chat session) is for informational purposes only and no warranty is made that the information is error-free. The information contained within the Company’s web pages may be, at any time, outdated and may include inaccuracies and/or errors. Information may change at any time without notice.
NEITHER COMPANY, NOR ANY OF ITS AFFILIATES, EMPLOYEES, AGENTS, LICENSORS OR CONTENT PROVIDERS MAKES ANY REPRESENTATIONS OR WARRANTIES OF ANY KIND REGARDING ITS WEBSITES, THE CONTENT OR ANY SERVICE PROVIDED HEREIN. THE CONTENT AND SERVICES ARE PROVIDED ON AN "AS IS" BASIS AND COMPANY SPECIFICALLY DISCLAIMS ANY EXPRESS OR IMPLIED WARRANTIES, INCLUDING WITHOUT LIMITATION, WARRANTIES OF FITNESS FOR A PARTICULAR PURPOSE, WARRANTIES OF MERCHANTABILITY OR WARRANTIES AGAINST INFRINGEMENT. COMPANY, ITS AFFILIATES, EMPLOYEES, AGENTS, LICENSORS AND CONTENT PROVIDERS SHALL NOT BE LIABLE FOR ANY DAMAGES OR LOSSES, INCLUDING, WITHOUT LIMITATION, INDIRECT, CONSEQUENTIAL, SPECIAL, INCIDENTAL OR PUNITIVE DAMAGES, LOST PROFITS, LOSS OF PROGRAMS OR DATA, OR INTERRUPTION IN BUSINESS ACTIVITY, RESULTING FROM OR CAUSED BY THE COMPANY’S WEBSITES, THEIR CONTENT, OR ANY SERVICES PROVIDED HEREIN.
Website Does Not Replace Professional Advice
Content and data within the Company’s websites (or presented during any online chat session) are to be used for informational purposes only and should not replace professional advice.
If you are a member of one of the Company’s health plans or an individual seeking information the Company’s benefit plans, please note that independent decision making is expected regarding matters pertaining to personal health, well being, and investment. In other words, the information on the website should not and cannot be used in lieu of professional attention (e.g., a user should go to a family physician if concerned about an ailment and should not rely on this, or any other, website for diagnosis or treatment advice).
Not a Solicitation
Nothing within the Company’s websites is to be construed as an offer to sell or solicit insurance.
Products offered by the Company vary state-to-state and are subject to the requirements of each respective state and the terms and conditions of each policy. All products are not available in all areas and some products may only be available for employer groups.
Regarding Claims, Benefits, and Medical Management
The information provided within the Company’s web pages (or presented during any online chat session) does not represent a guarantee of coverage or specific payment. All health plan benefits are subject to the terms, conditions and limitations of the specific policy issued, including, but not limited to, eligibility, pre-certification, exclusions and limitations, and medical necessity requirements. For further information on a policy and its limitations, please contact our customer service department at the number indicated for the health plan on the Company’s website or, if you are a member, on your health plan ID Card.
If you are a health care provider, nothing contained in the Company’s websites is intended to indicate a guarantee of reimbursement for a particular service rendered or member seen. As a health care provider, your relationship with Company is governed by the terms and conditions of your participating provider agreement with Company. If you submit any information to Company via any of Company’s website’s, then by submitting such information you certify that such submitted information is true and accurate. The submission of false or misleading information will be subject to action by Company and/or appropriate law enforcement.
The Company’s website addresses and all content and images contained within the websites, as well as all copyright, trademark, trade dress and other rights therein, are owned or licensed by the Company and its affiliates. Nothing contained on the Company’s websites should be construed as granting, by implication, estoppel or otherwise, any license or right in or to such information or trademarks without the express written permission of the Company. You agree not to copy, use or otherwise infringe upon any trademarks or service marks contained in the Company’s websites. You further agree that you will not alter or remove any trademark, copyright or other notice from any copies of the information downloaded from the Company’s websites.
Third Party Websites
The Company’s websites may contain links to third party websites. These links are provided for your convenience and the Company is not to be held responsible for information contained in any third party websites, regardless of whether there are connections to or from the Company via hyperlinks and/or pointers. The Company does not have control over any information on any other organization’s website(s).
• The Company does not endorse the content and accuracy of the websites you are about to visit, and therefore, disclaims responsibility for their content and accuracy;
• The Company does not make any express or implied warranties, representations or endorsements whatsoever with respect to the linked websites you visit;
• In no event will the Company be liable to you or to anyone else for any decision made or action taken by you or anyone else in reliance on results obtained from information available from any websites for which we provide a link; and
• The Company Plan is not to be held responsible for information contained in Third Party websites whereby there is a connection to or from the Company via hyperlinks and/or pointers.
Certain information contained in the Investor Relations portion of www.cvh.com may include forward-looking statements within the meaning of the Securities Act of 1933 and the Securities Exchange Act of 1934 as amended by the Private Securities Litigation Reform Act of 1995. All forward-looking statements are inherently uncertain as they are based on expectations and assumptions concerning future events and they are subject to numerous known and unknown risks and uncertainties which could cause actual events or results to differ materially from those projected. The forward-looking statements contained in this site include the intent, belief or current expectations of the Company and members of its senior management team with respect to the Company as well as the assumptions upon which such statements are based. Prospective investors are cautioned that any such forward-looking statements are not guarantees of future performance, and involve risks and uncertainties, and that actual results may differ materially from those contemplated by such forward-looking statements.
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When you visit and navigate our websites and when you communicate with us via our websites, we will not collect personal information about you unless you provide us that information voluntarily. Any non-public personal information that you may provide via our websites will be used solely for the purpose stated on the web page where it is collected. (In some cases, and in all cases where required by law or regulation, you will be able to update the information that you provide to us either by sending us an e-mail or, where you have established personal profiles with us, by updating your profile online. Please refer to the specific pages where data is collected for more information.)
The Company will not sell, license, transmit or disclose this information outside of the Company and its affiliated companies unless (a) expressly authorized by you, (b) necessary to enable the Company’s contractors or agents to perform certain functions for us, or (c) required or permitted by law. In all cases, we will disclose the information consistent with applicable laws and regulations and we will require the recipient to protect the information and use it only for the purpose it was provided.
By “personal information,” we mean data that is unique to an individual, such as a name, address, date of birth, or telephone number.
Notice of Privacy Practices for Company’s Members
The Company appreciates the opportunity to provide health care benefits plans to our members and their families. In the course of providing the health care benefit plans we administer or offer, the Company must collect, use, and disclose nonpublic personal information.
The Company has adopted a Notice of Privacy Practices that describes the members’ rights with respect to their personal information and how the Company will use, disclose and protect such information. The Notice of Privacy Practices is available by clicking the link below.
Click here to obtain a copy of our Notice of Privacy Practices.
The Company takes reasonable precautions to protect its website users and any information provided by those users. All data, correspondence, and responses that you, the user of this website, provide will be handled confidentially, both online and off-line. To protect from unauthorized access, data that you provide is safeguarded behind a secure firewall.
Please note that data transmitted by e-mail is vulnerable to security breaches (see "E-mail").
Some websites offer a “Remember Me” feature. While your password information will not be saved as part of the “Remember Me” function, your username will be remembered and displayed each time you return to the particular website. Using this feature is optional and is provided for your convenience. If you are using a computer that may be accessed by multiple persons, you should not use the “Remember Me” function.
The Company uses IP addresses to analyze trends, to administer the site, to track user movement, and to gather broad demographic information for aggregate use. IP addresses, basically numeric web addresses used between computer servers, enable the Company to identify the Internet Service Providers (ISP) that web users utilize. This helps the Company with trending and market research. IP addresses are not linked to personally identifiable information.
Hyperlinks to Other Websites
The Company’s websites contains hyperlinks to other websites. Please be aware the Company is not responsible for the privacy practices of such sites. When leaving our site, it is strongly recommended you review the privacy statements and disclaimers of each and every website you visit.
The Company is not responsible for either the privacy policies of other websites or the validity of information therein. Any hyperlink to an external website does not indicate in any manner the Company’s endorsement of that website. See Terms and Conditions of Use: Third Party Websites.
It should be noted that any e-mail message sent to the Company, as with nearly all Internet communication, is susceptible to potential outside interception. As is the case throughout the Internet, outside sources may be able to access e-mail unbeknownst to either sender or recipient. In addition, any email you send to the Company may be read by one or more employees of the Company, as dictated by business processes and practices.
As a result, we strongly recommend that you do not send any information via e-mail that you consider to be private or confidential. Please contact us by phone at the numbers indicated on our web pages or using the toll-free customer service number(s) on the back of your ID card(s).
There are some locations on our websites where we have made special provisions for a more secure environment in which we can exchange information with you. At each of these locations, we will provide you with appropriate instructions.
Member’s access to Dependents' Information through the online member portal tool
For members of our health plans, the Company provides, as a convenience to members of the same family, the ability of a subscriber to access his/her dependents' information. This right of access is only provided with the dependent’s consent. By clicking the checkbox to enable the checkmark on the Login Profile, the dependent provides consent for the subscriber (the provider of medical benefits in your household) on the account (for example, your spouse, mother, father, legal guardian) to have access to all information available on this site that relates to the dependent, including but not limited to claims history, referrals/authorizations, PCP change requests, and service requests.
Dependents have the right not to permit this access by ensuring the checkbox does not have a checkmark in it. By allowing the subscriber access, a dependent agrees that the Company has no control over how the information may be used. A dependent has the right to revoke a subscriber’s access at any time by removing the checkmark from the checkbox.
The Company may revoke access at any time and may change its policies with respect to subscriber and dependent access at any time without prior notice.
Notification of Changes
Concerns / Issues