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Last updated: October 1, 2026
BY USING EITHER THE SITE OR THE APP, YOU SIGNIFY YOUR AGREEMENT WITH THESE TERMS. IF YOU DO NOT AGREE TO THESE TERMS, DO NOT USE EITHER THE SITE OR THE APP.
Blue Cross Blue Shield of North Dakota (“Health Plan”) provides its website (“Site”) and mobile application (“App”) (collectively, “Platform”) subject to these terms and conditions (“Terms”), in addition to, and not in limitation of, the provisions of any other agreement you may enter into with Health Plan.
Health Plan may revise the information on the Platform or otherwise change or update the Platform, including these Terms, without notice to you (except to the extent required by law) at any time. Changes will become effective on the date specified in the notice, or if no date is specified, upon posting. Your continued access to or use of the Platform after the effective date of any changes constitutes your acceptance of the updated Terms. If you do not agree to the changes, you should stop using the Platform. Health Plan may also make changes or add new features, services, or functionality to the Platform at any time. We encourage you to periodically review these Terms to stay informed of any updates.
The Authenticated Member Portal is only accessible by the Health Plan member to whom the digital account belongs or in limited circumstances another individual who is authorized by legal documentation on file with Health Plan (e.g. power of attorney or guardianship that authorizes another individual to access the Health Plan member’s electronic protected health information (EPHI). Do not log into the Authenticated Member Portal unless you are the Health Plan member to whom the digital account belongs or unless there is legal documentation on file with Health Plan authorizing you to access the member’s EPHI.
The Platform does not provide medical advice and neither the information available nor any email responses to your questions shall create a physician-patient relationship or constitute the practice of medicine. The information available on the Platform and from any linked sites or third party should not be used as a substitute or supplement for professional medical advice. If you have medical or health-related questions, contact your physician. Always seek the advice of your physician or other qualified health care professional with any questions you may have regarding medical symptoms or a medical condition. Never disregard professional medical advice or delay in seeking it because of something you have read on the Platform. If you think you have a medical or psychiatric emergency, call 911 or go to the nearest hospital.
No content on the Platform is intended to replace or amend language for coverage that you may have with Health Plan. You should always consult your benefit booklet and contract for details about what your Health Plan covers.
Health Plan may use artificial intelligence (AI), machine learning, and other automated technologies to support certain features and services offered through the Platform. These technologies may assist with functions such as:
You may not use the Platform in any manner that may: adversely affect the resources or the availability of either the Site or the App to others; violate any local, state, national or international law; delete or revise any content on either the Site or the App; or use the Site or the App to harass any other person or to collect or store personal information about other visitors. If you have registered a user identifier and password to access secure areas of our Platform, you are responsible for protecting the identifier and/or password and for any unauthorized use by others, with or without your permission. You may not submit or post any material or information that is illegal, obscene, threatening, defamatory, invasive of privacy, or infringing of proprietary rights of any person or entity, or which contains software viruses, corrupted data, cancel bots, commercial solicitations, or mass mailings or any form of “spam.” You may not use a false email address to impersonate any person or otherwise mislead as to the origin of any material or information you submit or post. Health Plan may review, remove or edit any Visitor Content at its discretion. Health Plan has no responsibility and assumes no liability for Visitor Content posted by you or by any other party.
You further agree that you will not:
Health Plan reserves the right to investigate violations, suspend or terminate digital accounts, and cooperate with law enforcement authorities regarding any prohibited uses.
You are responsible for taking all reasonable steps to ensure that no unauthorized person shall have access to your password or digital account. It is your sole responsibility to (1) control the disclosure and use of your user name and password; (2) authorize, monitor, and control access to and use of your account and password; and (3) promptly inform Health Plan of any need to deactivate a digital account. You agree not to provide your digital account credentials in a manner that allows for any use of data mining, robots, or similar data gathering and extraction tools or any downloading or copying of account information for the benefit of another party. If you provide your digital account credentials to another individual without legal documentation on file with Health Plan, Health Plan may lock your digital account.
We offer the option to sign into the App using biometric authentication (e.g., iOS Face ID or Touch ID, or Android Fingerprint or Face Authentication). You can stop using biometric authentication at any time. You can elect this option by going to the settings in the App and turning off biometric authentication. If other people use the biometric authentication method enabled on your device, they may be able to gain access to your account via the App and view information you consider to be private. It is your responsibility to understand the risks of biometric authentication enabled on your mobile device. Health Plan does not have access to your biometric authentication information. If you choose to save your user name and password, which is required to enable biometric authentication, they will be stored in accordance with the terms of use of your mobile device.
When you are signed in to the App, you may receive a message asking if you would like to allow push notifications. Push notifications are a way for an application to deliver information, including alerts, sounds and icon badges, to your mobile device. Push notifications can be delivered whether or not you are currently signed in and/or using the App and whether or not your device is in locked and/or in sleep mode. If you do not wish for others to view your notifications, you should adjust the privacy settings on your device. If you do not wish to receive push notifications from us, click “Don’t Allow” or a similar button when prompted. If you allow push notifications from us but later decide you no longer want to receive them, you can adjust your settings options or turn them off through your device notifications settings.
Health Plan manages and protects your personal information in accordance with applicable laws and established company security standards and practices. For more information about privacy and security, see Online privacy and security or, for more information about how Health Plan generally manages your personal information, see Notice of privacy practices.
You agree that we may collect the following information as a result of your use of the Platform: technical data and related information, including but not limited to technical information about your device, system and application software, peripherals, and usage patterns. Data collected may be used for:
Such data collection and use is governed by our Online privacy and security practices and Notice of privacy practices. [WA] For Washington residents, data practices are also subject to the Washington My Health My Data Act (MHMDA) Privacy Policy.
Although we attempt to maintain the accuracy and integrity of the content on the Platform, Health Plan makes no guarantee as to its correctness, completeness, or accuracy. The Platform along with all information, content, materials, and other services included on or otherwise made available to you are provided by Health Plan on an “as is” and “as available” basis. Health Plan makes no representations or warranties of any kind, express or implied, as to the operation of the Site or the App, or the information, content, materials, or other services included on or otherwise made available to you through either the Site or the App. You expressly agree that your use of the Platform and the submission of any information by you is at your sole risk. Health Plan disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose.
Health Plan and its suppliers and licensors (including, for the purposes of this entire section, all providers of services and content for this website) 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 the Site or the App, even if any of them have been advised of the possibility of such damages.
The contents of the Platform are protected by copyright. The collective work of the Site or the App may also include work that is the property of others, which work is also protected by copyright or other intellectual property laws. Unauthorized use may violate copyright, trademark and other laws. Health Plan authorizes you to view and download material on the Site solely for your own use. You must keep all copyright and other proprietary notices on any copies you make. You may not sell or modify the material or otherwise use it for any public or commercial purpose.
Health Plan respects the intellectual property of others. If you believe that your work has been copied in a way that constitutes copyright infringement, you may send us a notice requesting that the material be removed. When submitting a notice, provide us with the following information: (i) a physical signature of the person authorized to act on behalf of the owner of the copyright interest; (ii) description of the copyrighted work that you claim has been infringed upon; (iii) a description of where the material that you claim is infringing is located on the Site or the App; (iv) your address, telephone number, and email address; (v) a statement by you, made under penalty of perjury, that the above information in your notice is accurate, that you are the copyright owner or authorized to act on the copyright owner’s behalf, and that you have a good-faith belief that the disputed use is not authorized by the copyright owner, its agent or the law. Health Plan’s Copyright Agent for notice of claims of copyright infringement can be reached as follows: Copyright Agent, Attn: Legal Department, PO Box 1271, Portland, OR 97207.
Health Plan’s name and any other names of Health Plan or its websites, publications, products, content or services referenced on the Site or the App are the exclusive trademarks or service marks of Health Plan, including without limitation the “look and feel” of the Platform and the color combinations, layout and other graphical elements. You may not use Health Plan’s trademarks in any manner without the express, written permission of Health Plan. Other product and company names that appear may be subject to trademark or other rights of other parties.
The Platform may provide links to, integrate with, or incorporate services from third parties, vendors, affiliates, and partners. Health Plan may change, add, or remove third-party vendors, partners, or services at any time without notice. These may include:
When you leave our site: Where practicable, we will notify you when you are leaving the Platform and accessing a third-party website or service. However, some third-party services may be embedded within the Platform or branded with Health Plan’s name and branding.
You may not frame any Health Plan content, or use any trademark, logo or other proprietary information on this Site, without Health Plan’s express written consent. You may not use Health Plan’s name or trademarks in any metatags or other hidden text without the express written consent of Health Plan. You may link to this Site for noncommercial purposes only. Health Plan reserves the right to demand you remove any such link at any time, for any or no reason, and at Health Plan’s sole discretion.
The Site is not directed at children under the age of 13. Health Plan complies with the Children’s Online Privacy Protection Act and does not knowingly permit registration or submission of personally identifiable information by anyone younger than 13 years of age.
Health Plan may terminate, suspend, or restrict your right to access or use the Platform at any time, with or without notice, for any reason or no reason, including for violation of these Terms. Health Plan reserves the right to block, delete, or stop the uploading of materials and communications that it in its sole discretion finds unacceptable for any reason. You may stop using the Platform at any time. If you wish to terminate your account, please contact Customer Service.
These Terms, and any dispute that may arise between you and Health Plan, will be governed by the laws of the State of Oregon without regard to conflict of laws or principles. The Terms, as may be amended from time to time, set forth the entire understanding between you and Health Plan as to the subject matter of the Terms, unless otherwise specifically provided under a written agreement. Jurisdiction and venue will be in the courts of Multnomah County, Ore. for any disputes arising out of or relating to these Terms.
If any provision of the Terms is found to be invalid or unenforceable, the remainder of the Terms shall remain in full force and effect, and all Terms shall be enforced to the fullest extent permitted by law. No waiver or failure to assert any provision of the Terms shall be valid unless in writing and signed by an officer of Health Plan. Health Plan may assign its rights and duties under the Terms to any party, at any time, without notice. Health Plan reserves all rights not expressly granted in these Terms.
At Blue Cross Blue Shield of North Dakota ("BCBSND"), protecting your personal information is important to us. Whether you are a current customer or visiting this site, we are as committed to protecting the information you provide through this website as when you provide it to us over the phone, in person or through the mail. However, we recognize, and want you to recognize, that while electronic communications have many benefits, they are not as secure as other means of communication. Read the following information carefully to better understand how using this site affects your privacy.
BCBSND attempts to protect online information according to applicable laws and established company security standards and practices. We have security measures in place to protect against the loss, misuse, or alteration of information under our control, and we continually evaluate new technologies for safeguarding your information. However, we cannot guarantee the confidentiality or security of electronic transmissions via the internet because they may potentially use unsecure computers and links, and data may be lost or intercepted by unauthorized parties during such transmission. If you wish to submit personal or confidential information by a more secure means of communication, contact us.
Sensitive information you provide to us online is protected by Secure Socket Layer (SSL) technology. SSL is the leading security protocol for data transfer on the internet. This technology encrypts your account information as it moves between your internet browser and BCBSND computer systems. When information is encrypted in this way, it becomes nearly impossible for anyone other than BCBSND to read it. This secure session helps protect the safety and confidentiality of your information when you interact with BCBSND online.
Technologies like cookies, pixels, device or other identifiers (collectively, “Cookies and similar technologies”) are used to deliver, secure, and understand products and services offered by BCBSND. Cookies are small files that are placed on your browser or device by the website you are viewing or app you are using. Pixel tags (also called clear GIFs, web beacons, or pixels) are small blocks of code on a website or app that allow them to do things like read and place cookies and transmit information to us.
We use cookies and similar technologies for a variety of reasons, such as allowing us to show you content and material that’s most relevant to you, improving our products and services, and helping to keep our products and services secure. While specific names of the cookies and similar technologies that we use may change from time to time as we improve and update our products and services, they generally fall into the following categories of use: authentication, security, insights and measurements, localization, and site features and performance.
We sometimes use service providers or partner with third parties to help us provide or inform you of certain products and services. BCBSND may contract with these other companies that use cookies and similar technology to collect information regarding your interaction with BCBSND advertisements and your use of both BCBSND and third-party websites. We may transfer information to service providers and other partners who globally support our business, such as providing technical infrastructure services, analyzing how our products and services are used, measuring the effectiveness of ads and services, providing customer service, and facilitating payments.
If you do not want to receive cookies and similar technologies from this site, you can set your browser to not accept them.
Use your own best judgment when sending information via the internet to an email address. Email sent via the internet may pass through private and public networks with varying levels of security. Some networks may have taken steps to secure email transmissions while others have not, thereby compromising the privacy and integrity of an email. An email may be copied, altered or destroyed. BCBSND will respect your request not to be contacted by email.
After your email is received, BCBSND preserves the content of your email, your email address and our response so we can efficiently respond to questions you might have. We also do this in an effort to meet legal and regulatory requirements.
Evolving technology will continue to provide Blue Cross Blue Shield of North Dakota with new and better ways to safeguard your information. We may update this statement in the future to reflect these technological advances, and we encourage you to return to this page from time to time for any updates.
We, at Blue Cross Blue Shield of North Dakota know you value your privacy. That is why we are committed to the confidentiality and security of information that we collect about you (“protected health information”). We maintain physical, administrative and technical safeguards to protect against unauthorized access, use, or disclosure of your personal information, including information we share internally either orally, electronically, or in writing.
We are required by law to maintain the privacy of protected health information and to explain our legal duties and privacy practices. We are also required by law to notify affected individuals following a breach of unsecured protected health information. This notice applies to all protected health information that we maintain, including information of former members who are no longer covered by us. We hope this notice will clarify our responsibilities to you and give you an understanding of your rights. We are required to abide by the notice that is currently in effect. This notice is in effect as of January 1, 2026.
You may exercise the following rights by calling our Customer Service department or writing our Privacy Official. See “Contacting us” at the end of this notice.
Inspection and copies. You have the right to request, to inspect, or receive a copy of protected health information that we maintain about you in a “designated record set.” A “designated record set” generally includes the information we use to administer your health benefits, such as enrollment information and claims. We are permitted to charge a fee for copies you request.
Amendment. If you believe that protected health information we maintain about you in a designated record set is inaccurate or incomplete, you have the right to request an amendment to correct or complete the information. You must submit your request in writing and explain the reason for the amendment. If we agree to make the change, we will make reasonable efforts to inform others, including people you identify, that the information has been amended and we will use our best efforts to include the amendment with any future disclosure. If we decline to amend information (for example, if we did not create the original record), you have the right to submit a statement of disagreement which we will include in future disclosures of the relevant information. We may attach a rebuttal statement to your statement of disagreement.
Notice. You have the right to receive a paper copy of this notice upon request.
Accounting. You have the right to request a list of certain disclosures of your protected health information. The list will not include disclosures we made for treatment, payment, or health care operations, that took place more than six years ago, or that were made for certain other reasons (as permitted by law). We will supply this list free of charge once a year at your request. If you request an accounting more than once in a 12-month period, we may charge a reasonable fee.
Special handling. You have the right to request restrictions on our use or disclosure of protected health information in addition to the restrictions imposed by law. We are not required to agree to your request and we may be unable to do so. If we do agree, we will comply with your request except in the case of emergency. You also have the right to request that we communicate with you in confidence with respect to communications you believe may endanger you. We will make every effort to accommodate your request if it is reasonable and you provide an alternate means to communicate. You should know that redirecting communication may not prevent others on your policy from discovering that you sought medical care. Accumulated deductibles and co-payment information may reveal that you obtained services. In addition, historic claims reports may include services that were obtained during the time communications were redirected.
Complaints. You have the right to submit a complaint if you believe we have violated your privacy rights. To submit a complaint, write to: Blue Cross Blue Shield of North Dakota, 200 SW Market Street, 11th Floor, Portland, OR 97201 or call our Customer Service department at the phone number provided at the end of this notice. You also have the right to submit a complaint to the Secretary of the U.S. Department of Health & Human Services. Be assured that we will not retaliate against you for submitting a complaint.
To administer health benefits, we collect, use and disclose protected health information for a variety of purposes:
Treatment. We may disclose protected health information to a health care provider in order for the provider to treat you, including providing case management to you. For example, we may provide information about your prescriptions to your provider to ensure the provider has information that may affect your treatment.
Payment. We may use or disclose protected health information for payment purposes, including to adjudicate claims, issue Explanation of Benefits, or coordinate benefits with other entities responsible for paying your claims.
Health care operations. We may use or disclose protected health information to facilitate operations, including underwriting, customer service, and detection or prevention of fraud or abuse. We may not, however, use or disclose genetic information for underwriting purposes.
Joint activities. Blue Cross Blue Shield of North Dakota engages in arrangements with other covered entities (such as health care providers and employer-based health plans) to improve health or reduce costs. We may exchange protected health information with other participants in these arrangements for treatment, payment, and health care operations related to our joint activities.
Business associates. We contract with business associates to perform BCBSND-related functions on our behalf. We disclose protected health information to these business associates and we permit them to collect, use, or disclose protected health information on our behalf to perform these functions. We contractually obligate our business associates (and they are required by law) to provide the same privacy protections that we provide.
Employers and other plan sponsors. If you are enrolled in an employer-sponsored group BCBSND (or a group BCBSND sponsored by another entity), we may disclose protected health information to the group BCBSND or plan sponsor to facilitate administration of the plan. When we provide your personal information to your employer or other plan sponsors we comply with the required safeguards to protect your information.
As permitted or required by law. We use or disclose protected health information as permitted or required by law. For example, some laws permit or require us to disclose protected health information for workers’ compensation programs or to certain government agencies, such as the Food and Drug Administration.
Public health activities. We may disclose protected health information for public health activities, such as to: (a) public health agencies for the prevention and control of disease; (b) coroners or medical examiners for their duties; (c) agencies that engage in the procurement, banking, or transportation of organs or tissue for donation and transplantation services; (d) researchers for research intended to improve the health care system; and (e) third parties as necessary to avert a serious threat to the health or safety of a person.
Health oversight. We may disclose protected health information to health oversight agencies, which regulate health plans, health care providers, and the health system and investigate healthcare fraud. These agencies include: State Commissioner of Insurance, State Board of Medicine, the U.S. Department of Health and Human Services, and the FBI.
Legal proceedings. We may disclose protected health information in the course of a judicial or administrative proceeding, and in response to a court order, subpoena, discovery request, or other lawful process.
Law enforcement. We may disclose protected health information to law enforcement officials in response to an administrative subpoena, a warrant, or an administrative request intended to identify or locate a suspect, victim, or witness. We also may disclose protected health information for the purpose of reporting a crime on our premises.
Military and national security. We may disclose protected health information to armed forces personnel for military activities and to authorized federal officials for national security and intelligence activities.
Correctional institution. We may disclose protected health information of an inmate to a correctional institution for treatment purposes or to ensure the safety of the inmate and others.
You. We may disclose your protected health information to you at your request, to inform you about the status of your claims, or for other purposes.
Others involved in your health care. We may disclose protected health information to personal representatives such as court-appointed guardians, executors, conservators, and in many cases parents of minor children, as well as to attorneys in fact when a valid power of attorney exists. In addition, if you give us verbal permission or if your permission can be implied (for example, if you call Customer Service with a family member or friend on the line), we may disclose protected health information to them on your behalf. This permission is valid only for a limited time. If you want to authorize on-going disclosures to family members or friends, you must submit written authorization.
Authorizations. You may give us written authorization to use protected health information or disclose protected health information about yourself to anyone for any purpose. An authorization remains valid for two years unless the authorization states otherwise or you revoke it. You may revoke an authorization at any time by submitting a written revocation (see “Contacting us,” below), but a revocation will not affect any use or disclosure that we made relying on the authorization while it was in effect. An authorization is required for us to use or disclose your protected health information for purposes other than those described in this notice. In particular, we need your written authorization to use or disclose psychotherapy notes, except in limited circumstances such as when the disclosure is required by law. We would also need to obtain your written authorization if we wanted to sell information about you to a third party or send you communications about products and services that are not related to your health.
Other applicable laws. If any state or federal law imposes stricter requirements than the Health Insurance Portability and Accountability Act (HIPAA), we must comply with those laws in addition to HIPAA. Federal law prohibits us from using or disclosing certain information regarding your substance use disorders for any purpose unless you consent to the uses and disclosures. In most cases, this consent is given through your treating provider.
Substance use disorder information. We cannot use or disclose information about your treatment for substance use disorders (or provide testimony based on such information) for any civil, criminal, administrative, or legislative proceedings against you. Any such disclosure is permitted only with your consent or a special type of court order, for which you must have notice and an opportunity to object, as well as a subpoena, court order, or similar legal mandate.
We reserve the right to change our privacy practices and this notice at any time without advance notice. Before we make any material change in our privacy practices, we will change this notice and post the new notice on our website. We will provide a copy of the new notice (or information about the changes to our privacy practices and how to obtain the new notice) in our next annual mailing to members who are then covered by one of our health plans. The new notice will apply to all protected health information in our possession, including any information created or received before the new notice became effective.
Blue Cross Blue Shield of North Dakota is required to provide you with access to detailed information about your health history through a “Patient Access API.” While you are a current member, you may access this information by downloading a third-party application (the “App”) on your smart phone, tablet, computer or other similar device. Learn more about the Patient Access API
You may reach us during regular business hours by calling the customer service number on the back of your member card or via our Contact us page.