Terms of Use

We are delighted to welcome you to Truli's Website. This site is offered to you, the user, conditioned upon your acceptance without modification of the terms, conditions, and notices contained herein. Your use of this website constitutes your acceptance and agreement to all such terms, conditions and notices. If you do not agree to the terms and conditions of use, you may not access or otherwise use this website.

Use Limitations

This website is for your personal and non-commercial use. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer or sell any information, software, products or services obtained from this website, except as follows:

You may download and make copies of the content and other downloadable items displayed on this site for personal, non-commercial use only, provided that you maintain all copyrights and other notices contained in such content. Copying or storing of any content for other than personal, non-commercial use is expressly prohibited without the prior written permission from Florida Blue, or the copyright holder identified in this individual contents copyright notice.

Notices

Florida Blue owns the compilation copyright to this website. Florida Blue 1998. All rights reserved. Florida Blue is a trade name of Blue Cross and Blue Shield of Florida, Inc., an Independent Licensee of the Blue Cross and Blue Shield Association.

Liability Disclaimer

The information, services, and other material published on this website may include inaccuracies or typographical errors. Changes are periodically made to the information and services contained herein. Florida Blue reserves the right to change the website at any time, in its discretion. Florida Blue does not warrant that the functions contained in the website, services, or any materials or content contained therein will be uninterrupted or error free, that defects will be corrected, or that the website, services or the server that makes the website available is free of viruses or other harmful components. Florida Blue and its subsidiaries and affiliates shall not be liable for the use of the website and any services contained therein, including, without limitation, the content and any errors contained therein. Furthermore, while Florida Blue will make all reasonable efforts to ensure that the website and Services are available at all times, Florida Blue does not guarantee, represent or warrant that your access to the website or any of the services will be uninterrupted or error-free.

FLORIDA BLUE MAKES NO REPRESENTATION ABOUT THE SUITABILITY OF THE INFORMATION, SOFTWARE, MATERIALS, PRODUCTS OR SERVICES CONTAINED OR DISCUSSED ON THIS WEBSITE FOR ANY PURPOSE. ALL SUCH INFORMATION, SOFTWARE, MATERIALS, PRODUCTS OR SERVICES ARE PROVIDED "AS IS" TO THE FULLEST EXTENT PERMISSIBLE BY LAW WITHOUT WARRANTY OF ANY KIND AND ALL WARRANTIES, INCLUDING WITHOUT LIMITATION IMPLIED WARRANTIES, CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT, ARE EXPRESSLY DISCLAIMED. IN NO EVENT SHALL FLORIDA BLUE BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OF THIS WEBSITE OR WITH THE DELAY OR INABILITY TO USE THIS WEBSITE, OR FOR ANY INFORMATION, MATERIALS, SOFTWARE, PRODUCTS AND SERVICES OBTAINED THROUGH THIS WEBSITE, OR OTHERWISE ARISING OUT OF THE USE OF THIS WEBSITE FOR ANY PRODUCTS OR SERVICES OR HYPERTEXT LINKS TO THIRD PARTIES OR FOR ANY BREACH OF SECURITY ASSOCIATED WITH THE TRANSMISSION OF SENSITIVE INFORMATION THROUGH THE SITE OR ANY LINKED WEBSITE. WHETHER BASED ON CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE, EVEN IF FLORIDA BLUE HAS BEEN ADVISED OR THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU.

FLORIDA BLUE DOES NOT REPRESENT OR ENDORSE THE ACCURACY OR RELIABILITY OF ANY ADVICE, OPINION, STATEMENT, OR OTHER INFORMATION DISPLAYED OR DISTRIBUTED THROUGH THE WEBSITE. YOU ACKNOWLEDGE THAT ANY RELIANCE UPON SUCH OPINION, ADVICE, STATEMENT, MEMORANDUM, OR INFORMATION SHALL BE AT YOUR SOLE RISK. FLORIDA BLUE RESERVES THE RIGHT, IN ITS SOLE DISCRETION, TO CORRECT ANY ERRORS OR OMISSIONS IN ANY PORTION OF THE WEBSITE. FLORIDA BLUE DOES NOT AND CANNOT REVIEW ALL MATERIALS POSTED TO THE WEBSITE BY USERS, AND FLORIDA BLUE IS NOT RESPONSIBLE FOR ANY SUCH MATERIALS POSTED BY USERS. HOWEVER, FLORIDA BLUE RESERVES THE RIGHT AT ALL TIMES TO DISCLOSE ANY INFORMATION AS NECESSARY TO SATISFY ANY LAW, REGULATION OR GOVERNMENT REQUEST, OR TO EDIT, REFUSE TO POST OR TO REMOVE ANY INFORMATION OR MATERIALS, IN WHOLE OR IN PART, THAT IN FLORIDA BLUE'S SOLE DISCRETION ARE OBJECTIONABLE OR IN VIOLATION OF THIS AGREEMENT.

No Unlawful or Prohibited Use

As a condition of your use of this website, you warrant and represent to Florida Blue that you will not use this website for any purpose that is unlawful, violates any third party's rights, or is prohibited by these terms, conditions and notices.

Benefit Booklets

The benefit booklet shown on your member account at floridablue.com contains the benefit information currently on file for your group. If changes are made to your benefits by you or the Group Administrator, there may be a delay in updating the benefit booklet on floridablue.com.

The benefit booklet on your member account does not represent your complete benefit package, as other important documents, such as the Schedule of Benefits, have been or will be provided to you by your Group Administrator or through U.S. Mail.

Third Party Links

Florida Blue has selected links to third party websites for your convenience. We do this because we think this information might be of interest or use to you or where, as a member, we can provide you with value-added services. Florida Blue disclaims all liability for use of the third party site. Florida Blue does not monitor or review the content on these sites. Each site has its own terms and conditions and is responsible for the quality of its content. If you choose to visit these sites, you should read the editorial review policies of these sites to understand how these sites handle their content review. For additional security and protection, log off and close all browser(s) associated with your member account and affiliated third parties when you leave your computer. You are responsible for reviewing the privacy practices of any web site you visit.

Monitoring

Florida Blue may monitor your use of this website, and subject to Florida Blue's Internet Privacy Statement, Florida Blue may freely use and disclose any information and materials received from you or collected through your use of this website for any lawful reason or purpose.

Accounts, Passwords and Security

Certain features or services offered on or through the site may require you to open an account (including setting up a password to access your member account). You are entirely responsible for maintaining the confidentiality of the information necessary to access your account, including your password, and for any and all activity that occurs under your account as a result of your failing to keep this information secure and confidential. You agree to notify Florida Blue immediately of any unauthorized use of your account or password, or any other breach of security.

Access to Various Services

Floridablue.com customers have the ability to access a variety of services through their account, either through the site or through access utilizing an internet capable mobile application. Florida Blue may change, suspend or discontinue any of the services at any time. Florida Blue may also impose limits on the use of or access to certain features or portions of the services, in any case without notice or liability.

Some services offered on the website may include cost estimators, provider reviews, quality data, health and wellness information, and/or medical terms/definitions. This information is provided for general comparison or information only and Florida Blue does not represent or warrant that such information is determinative of the actual cost, quality, procedure you should obtain, or insurance coverage related to the particular medical service(s) or providers researched. Nor does Florida Blue, by providing access to such services, guarantee that the medical conditions or services researched will be "Covered Services" as that term is defined under your specific benefits agreement with Florida Blue.

No Substitute for Medical Advice

Information and services accessed through your member account is not a substitute for the medical advice of your physician and/or provider. The information on the website, including but not limited to any materials and/or information provide including any comparison data, is for informational and educational purposes only, and is not intended as a substitute for medical professional help, advice, diagnosis or treatment. Information on the website is not provided in the course of a professional relationship between a health care provider and a patient and is not intended to create any physician-patient relationship, nor should it be considered a replacement for consultation with a health care professional. You always should seek the advice of your physician or another competent medical professional to address any questions or concerns you may have regarding your medical care.

Changes in Website

Florida Blue may change, suspend or discontinue any aspect of the website at any time without notice, including the availability of any website feature, database or content. Florida Blue may also impose limits on certain features and services or restrict your access to parts or all of the website without notice or liability.

Your Representations

You represent, warrant and covenant that: (a) you shall not upload, post or transmit to or distribute or otherwise publish through the website any materials which (i) restrict or inhibit any other user from using and enjoying the website, (ii) are unlawful, threatening, abusive, libelous, defamatory, obscene, vulgar, offensive, pornographic, profane, sexually explicit or indecent, (iii) constitute or encourage conduct that would constitute a criminal offense, give rise to civil liability or otherwise violate law, (iv) violate, plagiarize or infringe the rights of third parties including, without limitation, copyright, trademark, patent, rights of privacy or publicity or any other proprietary right, (v) contain a virus or other harmful component, (vi) contain any information, software or other material of a commercial nature, (vii) contain advertising of any kind, or (viii) constitute or contain false or misleading indications of origin or statements of fact; and (b) that you are at least eighteen (18) years old.  

Your Indemnification

You hereby agree to indemnify, defend and hold Florida Blue, and all its officers, directors, owners, agents, employees, information providers, affiliates, licensors and licensees (collectively, the "Indemnified Parties") harmless from and against any and all liability and costs incurred by the Indemnified Parties in connection with any claim arising out of any breach by you of this Agreement or the foregoing representations, warranties and covenants, including, without limitation, attorneys fees and costs. You shall cooperate as fully as reasonably required in the defense of any claim. Florida Blue reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you and you shall not in any event settle any matter without the written consent of Florida Blue.

Service Contact

If you have any questions about this website or have technical problems in accessing information on our website, please contact us using the information provided on the Contact Us page.  

Mobile

Florida Blue Mobile includes any program or service accessed or used via your mobile telephone and the software modules operating within Florida Blue’s mobile environment and appearing on your mobile device that provide you access to a variety of content and services.

If you choose to participate in any Florida Blue program that involves the use of text messaging (either sending or receiving), Florida Blue will not charge you for the text messaging; however, standard text messaging rates will apply to each text message sent or received as provided in your wireless rate plan (contact your carrier for pricing plans and details).

Florida Blue Social Media Terms of Use

The purpose of the Florida Blue social media sites is to share up-to-date information with our members, agents, employers, providers, and the public (“Visitors”). All information, including comments, photographs, statements and opinions (“Content”) by Visitors on Florida Blue’s social media sites does not reflect the opinions, policies and/or ideas of Florida Blue and/or its employees, officers, and directors. Florida Blue accepts no responsibility for the Content by Visitors, and Florida Blue does not endorse this Content.

Visitors should not post, upload or attach Content:

• which contains personal health information, financial and/or other private information of any person or entity;
• which is  threatening, defamatory, pornographic, intimidating, abusive, obscene, discriminatory, indecent, misleading, and or harassing;
• which infringes and/or violates the copyright or intellectual property rights of a third party or person;
• which is spam or advertises or offers to sell personal goods, products and/or services;
• which is unlawful, illegal, and/or does not comply with the law; and/or,
• which contains viruses, worms or corrupted files.

Florida Blue regularly monitors Visitor postings on its social media sites. Florida Blue reserves the right, in its sole discretion, to remove at any time any Content posted by Visitors for any reason including if Florida Blue deems such Content inappropriate.

The information provided by Florida Blue on its social media sites is not intended used for medical advice, diagnosis or treatment. Always seek the advice of a qualified health care provider with any questions regarding personal health or medical conditions. Do not rely on anything you have read on this Facebook page in deciding to seek or obtain medical advice, even if the person who posted the information claims to be a health care professional or otherwise. For issues related to health insurance claims, please contact customer service through the number on the back of your ID card.  This site is not intended as a customer response/service site.

Florida Blue appreciates Visitor feedback. By posting Content and files on Florida Blue’s social media sites, Visitors understand that they are providing information voluntarily, with no expectation of compensation. Florida Blue may use, modify, reproduce, and/or distribute these materials and files for its own business purposes without payment and in accordance with applicable law. Florida Blue employees are encouraged to interact with Florida Blue on its social media sites and adhere to Company Policy 5.60 in all social media activity.

Modification

Florida Blue reserves the right to change the terms, conditions and notices under which this site is offered.  

Governing Law

This Agreement is governed by the laws of the State of Florida applicable to agreements entered into and wholly to be performed therein. You hereby consent to the exclusive jurisdiction and venue of the state and federal courts within Duval County, Florida for the resolution of all disputes arising out of use of this website. Use of this website is unauthorized in any jurisdiction that does not give effect to all provisions of these terms and conditions, including, without limitation, this paragraph. You agree that no joint venture, partnership, employment, or agency relationship exists between you and Florida Blue as a result of this Agreement or use of the website. You agree not to combine any claim you have arising out of the Internet Privacy Statement with the claims of others.  

Legal Process

This Agreement is subject to existing laws and legal process. Nothing in this Agreement shall derogate Florida Blue's right to comply with law enforcement requests or requirements relating to your use of this website or information provided to or gathered by Florida Blue with respect to such use.  

Invalidity

If any part of this Agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the Agreement shall continue in effect.

Entire Agreement

This Agreement contains the entire agreement between you the user and Florida Blue with respect to this website. It supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the use and Florida Blue with respect to this website.  

Electronic Benefit Determinations to Members

If you elect to use your member account and have selected the option to receive Explanation of Benefits (EOBs) forms electronically, then you agree to keep your email address up-to-date. You understand that failing to update your email address may result in delay of notification of benefit determinations. You agree to release Florida Blue and hold it harmless from any consequences from your failure to update your email address. You also agree to receipt of the email notification instead of any paper claims determination notifications required by state or federal law. If you have elected to receive the EOBs electronically, you may also print them anytime by logging in to your member account at floridablue.com. Your election to receive electronic EOBs will continue until such time as you change your mailing preferences. You may change your mailing preferences at any time.

Last revised April 11, 2017