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Legal and Privacy

Terms of Use

Blue Cross and Blue Shield of Illinois (BCBSIL) offers Blue Access for MembersSM (BAMSM), a website that provides information about plan benefits and resources to manage your health. These Terms of Use govern your use of BAM.

Please read these Terms of Use in their entirety, since they constitute a binding agreement between you, us and our licensors. Each paragraph provision contained in these Terms of Use is vitally important and requires your agreement and compliance. They may be lengthy, but health care is a highly regulated industry and many of these provisions are legally required.

Be sure to read each of the following sections using the following quick links listed below.



Blue Cross and Blue Shield of Illinois (BCBSIL, “us” or "we"), a Division of Health Care Service Corporation, a Mutual Legal Reserve Company, an Independent Licensee of the Blue Cross and Blue Shield Association, focuses on the health and wellness of its members. In this spirit, we offer Blue Access for MembersSM (BAMSM), a secure online resource that helps members get important information about their health care benefit plans.

BAM provides online access to health and wellness information, and as applicable to your plan, the ability to:

  • Check the status of a claim and see your claims history
  • Sign up to get claim status email alerts
  • Confirm who in your family is covered under your plan
  • View electronic documents
  • Submit communication preferences
  • Search for a doctor or hospital in the network
  • Request a new member ID card or print a temporary ID card
  • Make premium payments
  • View alerts on ways to manage health costs and get estimates for medical services and prescription drugs
  • Get estimates for medical services and prescription drugs
  • Chat online with a representative

BAM is intended for use by individuals 18 years of age or older. BAM may not be used by anyone under 18, except for individuals between the ages of 13 and 17 who are enrolled in a Medicaid program – these individuals may use BAM under the following conditions:

1) They are an emancipated minor, OR

2) Their parent or legal guardian has read and agreed to these Terms of Use.


Your Responsibilities

You agree to:

  • Act responsibly and be truthful and accurate about yourself and your dependents;
  • Protect your unique identifier and/or password from any unauthorized use;
  • Notify us immediately if you discover any changes and modifications to your account that you did not authorize;
  • Notify us immediately if you suspect or discover any use, access, or account-related security breach;
  • Use BAM for personal or non-commercial purposes only; if you print pages from this website, you may only use them for your own personal use;
  • Call the toll-free customer service number on the back of your member ID card whenever you have any change in your personal information. This is particularly important if you have had a change in marital status, legal guardianship or dependents reaching the age of 18, etc. By contacting us immediately, we can better serve you and secure the privacy of your information.


You agree not to:

  • Create an account for anyone other than yourself unless you are a Legal Guardian, are authorized to do so under a Power of Attorney or have received other appropriate authorization to act on behalf of the member;
  • Provide any false or inaccurate personal information (including a false User Name);
  • Create a User Name that is the name of another person with the intent to impersonate that person or create a User Name that is offensive, vulgar or obscene or otherwise unlawful;
  • Collect or store personal information about others;
  • Transmit or disclose information about another person or otherwise harass any other person;
  • Delete or revise any content on this website except your own information;
  • Use any device or computer program that interferes or attempts to interfere with the operation of this website;
  • Take any action that imposes an unreasonable load on the systems supporting this website, such as but not limited to data scraping;
  • Attempt to disrupt, degrade, impair or violate the integrity or security of the infrastructure of this website (e.g., hacking, denial of service attacks), including any activity that precedes attempts to breach security such as scanning, probing, or other testing or vulnerability assessment activity, or engaging in or permitting any network or hosting activity that results in the blacklisting or other blockage of our IP space;
  • Remove or obscure the copyright notice or other notices displayed on the content and/or frame BCBSIL ’s name or any BCBSIL content, trademark, logo or trademarks in any meta-tags or other hidden text, or other proprietary information on this website;
  • Copy, reprint, modify, lease, distribute, assign, sell content, license, reverse engineer, create derivative works or take other actions that may be prohibited by the Federal regulation known commonly as the "Copyright Act" using information or content retrieved from this website or any of the third-party websites we may provide links to;
  • Use this website in a manner that may adversely affect this website’s resources or its availability to others, or that violates any applicable law.


Your BAM account privileges depend upon your consent to honor these responsibilities; we rely on your good faith and judgment. If you choose to provide inaccurate or false information, use poor judgment, or fail to access your account for eighteen (18) months, BCBSIL has the right to discontinue your access to this website.

Additional Responsibilities Related to Email and Mobile Use:
BCBSIL will protect data according to our Terms of Use and Privacy Statement, however, you are responsible for:

  • Updating your information in BAM if you change devices or your phone number
  • Activating security and privacy settings (for example, passwords and screen locking), and not allowing others access to your mobile device
  • Being aware of all potential risks with unsecure technology (for example, text messaging generally is not secure when sent unencrypted)
  • Understanding your mobile contract, associated wireless fees and mobile phone coverage in rural, urban and international areas
  • Understanding that additional data may be collected by your mobile network or other mobile applications
  • Notifying your mobile service provider and BCBSIL if your phone is misplaced, stolen or lost
  • All memory and data stored on your mobile phone


Our Responsibilities

We agree to:

  • Make reasonable efforts to present accurate information on this website; however, it is possible that information found on this website may be out-of-date.
  • Have security measures in place to protect against the loss, misuse, or alteration of information under our control;
  • Continually evaluate new technologies intended to safeguard your information;
  • Provide the content and information on this website on an "AS IS" and "AS AVAILABLE" basis, without any representations or warranties.
  • Grant you a personal, non-transferable, non-exclusive limited license to access this website and to download and print a single copy of the BCBSIL content from this website solely for your personal, non-commercial use.
  • Protect your online information according to applicable U.S. local, state and federal laws and our established company policies, standards and practices.


Privacy Statement

Our Privacy Statement is part of these Terms of Use. The statement describes how we collect and use the data you provide to us, including your rights relative to that data. This statement may need to be revised, so we encourage you to check back from time to time to learn about any updates.


Online Security and Website Links

This website is protected by Transport Layer Security (TLS) technology, the leading security protocol for data transfer on the Internet.
Even though there are many benefits to using this website, as with all electronic communications there are some risks which may include:

  • Failure of hardware, software and/or Internet connections; we are not responsible for failures, distortions, delays, or other problems resulting from equipment configuration, connection, signal power, hardware, software or any equipment used to access the Internet.
  • No guarantee that the confidentiality or security of electronic transmissions via the Internet can be assured due to potentially unsecure computers and links. This could result in your data becoming lost or intercepted during transmission. Please use good judgment before deciding to send information via the Internet.

Third-Party Websites or Resources

Blue Access for Members contains links to other websites and/or resources hosted by independent third parties. At times, BCBSIL works with such third parties to create the content on these websites; at other times, a link to these websites is provided solely as a resource or convenience for our users. Since these third-party websites are not hosted or maintained by BCBSIL, we do not make any guarantees or warranties as to the validity or accuracy of the information posted on these websites, or for any products or services that may be available on these websites. As a result, you agree that BCBSIL has no liability for any damages you may incur as a result of your use of or the information you receive from or submit to these third-party websites.

The use of these third-party websites may subject the user to separate binding agreements, including terms of use and privacy statements, which can be found on the third-party website if applicable. Be sure to read these additional agreements and statements and have a working understanding of the terms.


Content and Website Information

Content on this website is not intended to replace or amend language for any contract or coverage that you have with BCBSIL. You should always consult your plan documents and/or benefit brochure for details about what your health plan covers, as well as your rights and responsibilities under the plan.

Information Displayed on this Website
Nothing on this website constitutes an offer to sell products. BCBSIL products are only available in Illinois.

BCBSIL does not furnish or render professional health care services or medical care. Therefore, the information presented on this website is not a substitute for professional medical advice, diagnosis or treatment, nor is it intended to provide you with a specific diagnosis or treatment for a specific ailment. Information is made available to you at your request for educational and informational purposes and does not constitute the practice of medicine and/or as a substitute for consultation with your personal physician.

For questions concerning the benefits or requirements of your health care benefit plan, please refer to your coverage documents or call the Customer Service number on the back of your member identification card. Email responses to these benefit questions do not create a physician-patient relationship. If you have specific medical or health-related questions, contact your physician.


Explanation of Benefits (EOBs)

BCBSIL is required to provide a plan member with a written or electronic Explanation of Benefits (EOB) of any member liability. If you are a member who has requested that we send your EOBs to an external document repository, you will receive a notice from your document vendor as well as from BCBSIL that an EOB has been posted to your account.

BCBSIL provides you the option to receive EOBs (and related documents/notices specified in Step 2 of the online registration process) either in printed form through the mail or electronically through this secure website. Whether or not you consent to receive EOBs electronically, your rights and benefits under your health care benefit plan will remain the same.

If you had at one time requested to receive your EOBs electronically, you may change your mind at any time and return to receiving printed EOBs through the mail at no charge. You can either call 1-800-316-1150, or change your preferences within BAM.



Governing Law
These Terms of Use and your access to BAM are governed exclusively by the laws of the State of Illinois, without reference to its rules regarding choice of law.

Limitation of Liability
You agree that you use this website at your own risk BCBSIL and its licensors have no liability for any damages (whether direct or indirect, special, incidental, consequential or punitive) incurred by you as a result of your use of this website or the information you receive from or submit to this website.

BCBSIL and its licensors shall have no liability whatsoever for failure of electronic or mechanical equipment or communication, telephone or other connection problems, computer viruses, unauthorized access or interception of data from this website, theft or errors.

In addition, if you request BCBSIL to send information via email or your mobile device to your registered account, you agree that you are using this service at your own risk. BCBSIL and its licensors have no liability for any damages (whether direct or indirect, special, incidental, consequential or punitive) incurred by you as a result of your use of this functionality.

Spending Accounts
If you participate in a spending account (e.g., Health Savings Account (HSA), Health Care Account (HCA), Health Reimbursement Account (HRA), Flexible Spending Account (FSA), etc.), you acknowledge that these accounts may have certain tax and legal ramifications. No information posted on this website is intended to provide legal or tax advice, and nothing herein should be construed as legal or tax advice. You should seek advice based on your particular circumstances from an independent tax advisor or attorney regarding the tax consequences of specific health insurance plans or products.

Ownership and Copyright Protection
All right, title and interest in the content (including software, text and images) and other intellectual property (including trademarks, service marks and copyrights) on this website are solely and exclusively the property of BCBSIL or its licensors, and are protected by intellectual property laws. Blue Cross, Blue Shield and the Cross and Shield symbols are registered service marks of the Blue Cross and Blue Shield Association, an association of independent Blue Cross and Blue Shield Plans. You acknowledge that content available through the website, including, without limitation, content of third parties is protected by copyright, trademark, patent or other intellectual proprietary rights and laws.

Dispute Resolution
All issues and questions relating or in connection to the BAM Terms of Use between BCBSIL, our licensors and you, regarding their interpretation, application, performance, nonperformance or breach, or any information received or otherwise relied on (collectively, "Dispute" or "Disputes") shall be resolved using alternative dispute resolution mechanisms as set forth in these Mediation/Arbitration Provisions. The Dispute Resolution terms described below apply only to your use of this website and are not applicable to the benefit rights you have under your health care plan.



Mediation/Arbitration Provisions


  1. Initial Resolution by Meeting or Mediation of Dispute.

      Blue Cross and Blue Shield of Illinois (BCBSIL) or Authorized User (the "Notice Party"), as the case may be, shall deliver written notice to the other party (the "Receiving Party"), via certified mail, return receipt requested, of the existence of a Dispute (the "Initial Notice"), as follows:

      If to BCBSIL:

      If to Authorized User: At the last known address of record.


    1. The Receiving Party has thirty (30) calendar days following the Notice Party's delivery of such notice to provide a prompt and effective remedy.
    2. If the Receiving Party has failed to provide a prompt and effective remedy within thirty (30) calendar days following delivery of such notice, and the Receiving Party and Notice Party mutually agree that a meeting to attempt to resolve the Dispute would be advantageous, representatives of both parties shall meet not later than thirty (30) calendar days after delivery of the Initial Notice in order to attempt to resolve the Dispute. Subsequent meetings may be held, upon agreement of the parties.
    3. If such a meeting has not been mutually agreed upon within thirty (30) calendar days of delivery of the Initial Notice, or if the Dispute has not been resolved within thirty (30) calendar days of commencement of any such meetings, the Notice Party shall submit the Dispute (the "Mediation Submission") to mediation by an organization or company specializing in providing neutral, third-party mediators. The mediation process shall be coordinated by the Notice Party with the mediator and shall be subject to the following agreed-upon conditions:
      1. The parties agree to participate in the mediation in good faith;
      2. The parties agree to have present at the mediation one or more individuals with decision-making authority regarding the Dispute;
      3. Either party may, at its option, be represented by counsel;
      4. The mediation shall be conducted in English;
      5. The mediation shall be held at a mutually agreed upon venue location in or near within sixty (60) days of the Mediation Submission, unless the parties mutually agree on a later date or an alternate venue location; and
      6. The parties shall each bear their own costs and shall each pay one-half of the venue location fee and the mediator's fees and costs, unless the mediator subsequently determines that one party did not participate in the mediation in good faith, in which case that party shall pay all the venue location fee and mediator's fees and costs.
  2. Binding Arbitration.

    1. Any Dispute or portion thereof that remains unresolved thirty (30) calendar days after a Submission, either BCBSIL or Authorized User, on Authorized User's own behalf and not as a representative of a purported class, shall submit the Disputes to final and binding arbitration (the "Arbitration Submission") under the commercial rules and regulations of the JAMS/Endispute, subject to the following:
      1. The arbitration shall be conducted by a single arbitrator selected by the parties from a list furnished by the JAMS/Endispute (the "Arbitrator"), provided that in the event of a conflict with the terms of these Mediation/Arbitration Provisions, the terms of these Mediation/Arbitration Provisions shall control. If the parties are unable to agree on such Arbitrator from the list, such Arbitrator shall be appointed by the JAMS/Endispute or in the alternative, each party shall select one arbitrator who, in turn, shall together select the Arbitrator who shall arbitrate the Dispute.
      2. The Arbitrator shall be required to render a written decision resolving all Disputes with the reasons therefore, and designating one party as the "Prevailing Party" within sixty (60) days from the date of the Arbitration Submission.
      3. The costs of arbitration, including the venue location fee, Arbitrator's fee and any reporting or other costs, but excluding lawyers', consultants' and witness fees, shall be borne by the non-Prevailing Party unless the Arbitrator subsequently determines as part of his or her award that such allocation is inequitable under the totality of the circumstances.
      4. The arbitration hearing shall be conducted in English and held at a mutually agreed to venue location in or near unless BCBSIL and Authorized User mutually agree to an alternate location.
      5. Except with respect to any Dispute or portion thereof involving actual or alleged violation of BCBSIL's or any of BCBSIL's supplier's intellectual property, the Arbitrator shall not have power to award (A) damages inconsistent with the Terms of Use; or (B) punitive damages or any other damages not measured by the Prevailing Party's actual damages, and the parties expressly waive their right to obtain such damages in arbitration or in any other forum.
      6. Any determination by the Arbitrator with respect to any Dispute shall be final and binding on each party. Judgment upon the award of the Arbitrator may be entered in any court having competent jurisdiction thereof.
    2. Authorized User acknowledges that this Mediation/Arbitration Provisions preclude Authorized User from filing an action at law or in equity and from having any Dispute covered by this agreement resolved by a judge or a jury. Authorized User further acknowledges that these Mediation/Arbitration Provisions preclude Authorized User from participating in a class action or class arbitration filed by any other Authorized User or any other plaintiff claiming to represent Authorized User or Authorized User's interest. Authorized User agrees to opt-out of any class action or class arbitration filed against BCBSIL that raises claims covered by these Mediation/Arbitration Provisions, including, but not limited to, class actions or class arbitrations that are currently pending.
    3. Notwithstanding the foregoing, each of the parties hereto retains the right to seek judicial assistance to obtain interim measures of protection pending arbitration for alleged or imminent breaches of intellectual property rights, confidentiality restrictions or security obligations. In the event that either party seeks judicial assistance to obtain interim relief, or in the event that any dispute arises relating to arbitration, the sole jurisdiction and venue for such actions shall be the U.S. District Court, District of Illinois in or if there is no federal jurisdiction, in the state courts located in Illinois. Each of the parties to this Terms of Use hereby consents to exclusive personal jurisdiction, service of process and venue in the Illinois courts for such interim measures of protection and for disputes relating to arbitration.

Contact Us

If you have questions or concerns about these Terms of Use or this website, please Contact Us.