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Privacy Policy

1. Your Privacy: Overview

This privacy policy (this “Privacy Policy”) tells you about the information that Sequoia Benefits and Insurance Services, LLC (“Sequoia,” “we,” “us” or “our”) collects in connection with the operation of our website located at http://www.sequoia.com and all related online services offered by Sequoia (collectively, the “Service”), how the information is used and how you can access and correct certain information that we may collect.

Please note that this Privacy Policy applies only to information collected from you by Sequoia via the Service.  It does not apply to information obtained or disclosed in offline correspondence or through other personal contacts with Sequoia representatives. Further, the Service may contain links to other entities’ websites that are not controlled or operated by Sequoia. This Privacy Policy does not apply to such third party websites, and Sequoia is not responsible for the content of such third party websites or the privacy practices of such third parties. Therefore, we encourage you to request and review the privacy policies of any third parties upon disclosing your information to such parties or visiting such third party websites.

This Privacy Policy is effective as of May 29, 2014

2. Collection of Your Information

You can access some areas of the Service without submitting any personally identifiable information. Sequoia collects personally identifiable information only if you choose to complete any online forms to contact us, complete an account profile (MyBenefits), post content, provide feedback or to request information or assistance through the Service. The personally identifiable information that Sequoia collects through these portions of the Service may include your name, username, password, email address, address and telephone number and any other personally identifiable information that you choose to include in your account profile or in your submissions to us. You represent and warrant that you have the right and authority to provide any information provided by you. Sequoia may also collect certain non-personally identifiable information in connection with the operation of the Service, including IP addresses, browser or operating system information, data on advertisements or links on which you click, and the websites that you visit before or after you visit the Service. Such information is maintained by Sequoia or service providers acting on behalf of others. Users of the Service may be able to view your information.

3. Protection of Your Information

To prevent unauthorized access or disclosure, maintain data accuracy and facilitate the appropriate use of information, Sequoia uses physical, technological and administrative procedures to attempt to protect the personally identifiable information we collect through the Service. Nevertheless, Internet transmissions are never completely private or secure. You understand that any messages or information you send to the Service may be read or intercepted by others. If you have any questions about the security of personally identifiable information collected by Sequoia, please contact us at: contactus@sequoia.com

4. Use of Your Personally Identifiable Information

Upon our collection of your personally identifiable information, Sequoia may use such personally identifiable information internally, separately or in combination with pre-existing information, for the following purposes:

  • To provide any requested information, products or services;
  • To access your account profile (MyBenefits), as directed by you;
  • To troubleshoot problems with the Service;
  • To customize your experience on the Service;
  • To enforce our Terms of Service Agreement or compliance with this Privacy Policy; or
  • To contact you with more information about Sequoia and its products or services;

Personally identifiable information collected on the Service may be stored and processed in the United States, Canada or abroad.

5. Disclosure of Your Information

We may disclose your personally identifiable information to our subsidiaries or affiliates and to third party partners whom we occasionally hire to provide services on our behalf, including support services, website services, delivering promotional materials, answering customer questions about our services and new services. Sequoia will only provide those third party partners with the personally identifiable information they need to deliver the services to us and/or on our behalf, and they will be contractually prohibited from using that information for any other purpose. In the event that Sequoia is involved in a transaction such as a merger, stock purchase or sale, or sale of substantially all of Sequoia assets, your personal information may be transferred to the other party in such transaction.

Sequoia reserves the right to disclose your personally identifiable information if required to do so by law or legal process or otherwise requested by any law enforcement officer or agency acting under color of law. In addition, Sequoia reserves the right to disclose your personally identifiable information based on the good faith belief that such action is necessary or appropriate to: (a) protect and defend the rights or property of Sequoia, or (b) act in urgent circumstances to protect the safety or security of the public or of users of the Sequoia products and the Service.

6. Cookies

Sequoia may also use cookies to gather information about your visits to the Service in order to enhance your experience. A cookie is a small string of information that the website you visit transfers to your computer for identification purposes. Cookies can be used to follow your activity on the Service and that information helps us to understand your preferences and improve your experience with the Service. Cookies are also used for such activities as remembering your user name and password, if necessary. You can turn off all cookies, in case you prefer not to receive them. You can also have your computer warn you whenever cookies are being used. For both options you have to adjust your browser settings (such as Mozilla, Firefox, or Internet Explorer). There are also software products available that can manage cookies for you. Please be aware, however, that when you choose to reject cookies, this choice may limit the functionality of the Service.

7. Website Analytics

Sequoia may use Google Analytics and other similar services to help analyze how you use the Service. These analytic services use cookies, (as defined in Section 6 above). The information generated by the cookie about your use of the Service is transmitted to the service. This information is then used to evaluate various uses of the Service and to compile statistical reports on Service activity for us, and us alone. We will never (and will not allow any third party to) use these analytics service tools to track or to collect any of your personally identifiable information.

8. No Spyware or Adware

We do not install any spyware or adware in connection with our Service or distribute any commercial message, or authorize any third party to distribute any commercial message, by means of spyware or adware. “Spyware” or “adware” is any software which has been downloaded to or installed on an Internet user’s computer or device, without the user’s actual consent, and facilitates the distribution of any commercial message to the user. If you feel you may have spyware from another company installed on your machine or device, there are various anti-spyware/adware software applications available on the Internet to identify if this has occurred.

9. User Generated Content

If you use a Service message board, chat room, instant messenger or post any User Generated Content (as defined in the Terms of Service Agreement) you are solely responsible for the content of your messages. You should be aware that when you voluntarily disclose personally identifying Information (for example, your name, street address, email address, or telephone number) on the Service, that information can be read, collected and used by other users of the Service and may result in unsolicited messages, both commercial and otherwise. You agree that by participating in such online public forums, you will not use such forums for any purpose that is unlawful or prohibited by the Sequoia community guidelines that may be in effect from time to time in connection with the Service. We reserve the right to terminate your access to the Service or to take other protective steps if you violate these terms.

10. Your California Privacy Rights

If you are a resident of California, pursuant to California Civil Code Section 1798.83, you may request information regarding our disclosure of your personal information to a third party for that party’s direct marketing purposes. Any such disclosure made to a third party by us would be otherwise in accordance with the terms of this Privacy Policy. To make such a request, please send an email or physical address listed below.

11. Retention of Your Personally Identifiable Information

The personally identifiable information that you provide will be stored and maintained by Sequoia until you instruct us otherwise, or, in Sequoia’s sole discretion, for the longer of: (a) for so long as is necessary or appropriate to carry out the purpose(s) for which such information was collected and (b) for so long as we are required to maintain such information by law or other applicable rules or regulations.

12. Children’s Privacy

Sequoia recognizes the privacy interests of children and we encourage parents and guardians to take an active role in their children’s online activities and interests. The Service is not intended for children under the age of 13. Sequoia does not target its Service to children under 13. Sequoia does not knowingly collect personally identifiable information from children under the age of 13.

13. Choice and Opt-Out Preferences

Sequoia does not collect your personally identifiable information unless you choose to provide it. If, at any time, you prefer not to receive further email communications from Sequoia (except in connection with information, products or services that you specifically request), you will have the ability to unsubscribe from such communications by means of a link provided in every broadcast email that is sent to you by Sequoia. If, at any time, you prefer not to receive any other form of communication from Sequoia, you will have the ability to unsubscribe from such communications by contacting us at: contactus@sequoia.com.

If you have an account with us, you consent to the electronic delivery of all documents and notices regarding your account. You also confirm that you have the ability, necessary equipment and software to access and view any documents or notices we send you. You are entitled to withdraw your consent to electronic delivery at any time by emailing us at contactus@sequoia.com. Should you withdraw your electronic delivery consent, you are entitled to receive a paper copy of all required notices and documents.  Some notices and documents which we are not required to provide you will not be sent to you should you withdraw your consent to electronic delivery.

14. Access and Accuracy

Sequoia will use commercially reasonable efforts to provide access to your personally identifiable information if you request such access in writing submitted to: contactus@sequoia.com. Sequoia reserves the right to deny access to your personally identifiable information: (a) when such denial of access is required by law; (b) when granting you access is reasonably likely to negatively impact other people’s privacy; (c) when such access to your acceptance of This Privacy Policy and Revisions to This Privacy Policy is cost prohibitive; (d) when your acceptance of This Privacy Policy and Revisions to This Privacy Policy is necessary to protect Sequoia’s rights and property, and (e) when such requests are frivolous or made in bad faith. If you believe that the personally identifiable information maintained by Sequoia about you is inaccurate or incomplete, you may notify Sequoia in writing describing in details any inaccuracies or omissions, submitted to: contactus@sequoia.com. Following receipt of such a properly submitted written notice, Sequoia will, within a reasonable time period, use commercially reasonable efforts to, in its sole discretion, either: (y) amend or correct your personally identifiable information to reflect corrected or additional information provided by you, or (z) in connection with your personally identifiable information, make note of any claimed inaccuracies or omissions reflected in the notice submitted by you.

15. Your Acceptance of This Privacy Policy and Revisions to This Privacy Policy

By using the Service you agree to this Privacy Policy. If you do not agree to this Privacy Policy, you may not use the Service. Sequoia reserves the right, in our discretion, to change, modify, add or remove portions of this Privacy Policy at any time and from time to time, without prior notice to you. All revisions will be posted to the Service. We urge you to review this Privacy Policy frequently for changes. Your continued use of the Service means that you accept those changes.

16. Questions or Comments

Sequoia welcomes questions and comments about this Privacy Policy. Questions or comments should be directed to Sequoia’s privacy policy compliance department:

Via email: contactus@sequoia.com

Via U.S. Mail:
Sequoia Benefits & Insurances Services, LLC
1850 Gateway Drive
Suite 600
San Mateo, CA 94404

IMPORTANT
While we make efforts to ensure that our lists of doctors and hospitals are up-to-date and accurate, it is important to understand that sometimes health care providers leave our networks without letting us know, or they switch networks, or they change employment with provider groups and hospitals. Depending on your plan, these changes may impact how much you pay out of your own pocket for services.

Not all doctors and hospitals are included in every plan’s network. In order to avoid higher costs, it is important to understand if your provider participates in your plan’s network and if your plan’s network includes Tiered providers. If you visit a provider who is not in your plan’s network or who is a Tier 2 provider for applicable Tiered plans, you may be required to pay a greater percentage of the deductible and/or co-insurance. (Tiered benefit plans enable you to pay lower cost share amounts by using providers in a plan network who are assigned to benefit Tier 1 or Tier 2. Although both Tiers represent in-network providers, you will generally be responsible for lower copayments, deductibles and coinsurance – and, therefore, pay less – if you use a Tier 1 provider.)

If you are a current member, logging in as a member is the most accurate way to search for providers in your plan network. You may also enter your alpha prefix (the first three letters of your member ID number on your Anthem ID card) to search for in-network health care providers based on your plan prefix. Your doctor may refer you to another provider or facility for treatment. In-network providers are required to make best efforts to refer you to other in-network providers when possible. However, it is important to remind your doctor to refer you to in-network care providers in order to avoid out-of-network costs and balance billing by non-participating providers.

If you receive services from an in-network hospital, the hospital may have arrangements with emergency room physicians, anesthesiologists, radiologists, and/or other providers to assist in your care. However, these providers may not participate in your plan’s network. To avoid out-of-network costs and balance billing by non-participating providers, when you choose a hospital in your network, be sure to look for messages on the Find a Doctor Tool within the hospital’s displayed information that identifies hospital-based providers not in your plan’s network.

If your health plan has out-of network benefits, Anthem may reimburse you up to the maximum allowed amount for covered services if you see a non-participating provider. The process and method used by Anthem to determine reimbursement for non-participating providers depends on your health plan. However, because Anthem does not have a contract with non-participating providers, they can balance bill you up to their full billed charges regardless of your insurance coverage.

Health benefit plans vary. We recommend that you consult your benefit plan document and/or contact the customer service number listed on the back of your ID card to confirm in advance that providers are in your plan’s network and that the desired service is covered. Keep in mind that most HMO plans do not have out-of-network benefits and therefore may not reimburse for any out-of-network services except in limited circumstances. Anthem’s provider directory is for general information purposes only and is not intended to be a substitute for medical advice or benefit plan documents.

Designation as a Blue Distinction Total Care Provider means this Provider has met the established national criteria. To find out which services are covered under your policy at any facilities, please call your local Blue Cross and/or Blue Shield Plan; and call your provider before making an appointment, to verify the most current information on its Network participation and Blue Distinction Total Care status. Neither Blue Cross and Blue Shield Association nor any of its Licensees are responsible for any damages, losses, or non-covered charges that may result from using Blue Distinction or receiving care from a Blue Distinction or other provider.

The Patient Ratings & Reviews is available for informational purposes only and to use as you see fit. We do not guarantee its use, or its accuracy, reliability, timeliness, and the like. While we do monitor comments for inappropriate or offensive language, we are not responsible for the comments made by users or the accuracy of information in those comments. The Patient Ratings & Reviews is not a referral service and does not offer advice about which doctor or other healthcare provider is right for your medical needs.

The estimated costs provided here are based on the average known costs of the procedure you searched and your benefits at the time of your search. The estimated costs are based on PPO claims information (or, in GA, NH, MO, and WI, either PPO or Alternative Network claims information, as applicable) and this information will be updated from time to time and may result in cost variations displayed on this site. This methodology may be changed from time to time. Your actual out-of-pocket and total procedure cost for the procedure may be different and will depend on the actual services provided and may also vary based on other factors as well, such as the complexity of the services rendered, your plan type and your health plan’s contractual arrangements with the providers who perform the services for you. Most procedures involve a particular bundle of related services, tests and visits. Based on our members’ history, we’ve developed a standard bundle that’s typical for a procedure. Facility costs includes the typical price for a procedure’s bundle of related services, including facility, physician and other services, like lab tests and x-rays, so you can see the total price of having a procedure done, not just the surgery itself. Your actual out-of-pocket and procedure cost depends on which of these related services your doctor recommends or prescribes for your treatment, as well as your own condition. Except for Chiropractic Treatment, physician costs do not reflect any other services which may be provided during the visit. Individual hospitals may disagree with the methodology used to define the cost ranges, the cost data, or quality measures. Many factors may influence cost or quality, including, but not limited to, the cost of uninsured and charity care, the type and severity of procedures, the case mix of a hospital, special services such as trauma centers, burn units, medical and other educational programs, research, transplant services, technology, payer mix, and other factors affecting individual hospitals. California Hospitals sharing additional information about cost of care estimation may be accessed by clicking on the following link. If you are enrolled in an HRA, HSA, or HIA plan, additional savings may be possible based on available HRA, HSA, or HIA funds. If we display information relating to your HRA, HSA, or HIA, it is based on the fund information currently available to us. Your actual fund balance or the amount your HRA, HSA, or HIA would pay could be different due to fund activity not yet available to us. The independently contracted provider networks change periodically and provider participation should be verified prior to receiving services. The information on this site is only applicable to the providers listed. The information is not applicable for Medicare or Medicaid members or otherwise where your health plan is not the primary payer.

For more information on accessibility for disabled members please select here.

For more information on language assistant please select here.

Visit the following link to know more about How Blue Precision works (or read the full program details).

Counseling services for breast feeding (lactation) can be provided or supported by an in-network (participating) provider such as a pediatrician, ob-gyn, family medicine doctor, and hospitals with no member cost-share expense (deductible, copay, coinsurance). Contact the provider to determine if lactation counseling services are available.