Online Privacy Statement
Products are provided by Healthier New Jersey Insurance Company, Inc. d/b/a Braven Health. Communications are issued by Horizon Healthcare Services, Inc. d/b/a Horizon Blue Cross Blue Shield of New Jersey in its capacity as administrator of programs and provider relations for all of its companies. Both are independent licensees of the Blue Cross Blue Shield Association.
We are committed to safeguarding the personal information we receive from you when you interact with our websites, online services or mobile applications (“Services”). This Privacy Statement explains how we use and share your personal information when you interact with our Services.
In some cases, the information we collect about you is subject to the requirements of the Health Information Portability and Accountability Act (“HIPAA”). If you are a Braven Health member and use the online member portal, that information is subject to HIPAA. In those circumstances, Braven Health’s Notice of Privacy Practices (NOPP), and not this Privacy Statement, will apply. If you have questions about which policy applies in a certain situation, please contact us.
What Personal Information Is Collected
When you use our Services, Braven Health may collect information that directly or indirectly identifies you, including name, address, email address, telephone number and/or fax number. In addition, we may collect the following types of information:
Device Information — This includes information such as your Internet Protocol (IP) address, hardware model or version, operating system, unique device identifiers, browser or application configurations, and mobile network information. We may also associate the information we collect from your different devices to help us provide consistent services across your devices. When you use our Services, we may also collect information about your physical location through your mobile device.
Log Information — We may record details of how you used our Services or how our Services performed, including page views and response times, clickstream data, information about how you navigate through our Services, and which website or application you came from before visiting our Services.
Performance Measurement — We may also collect other information related to the performance and effectiveness of our Services, including what emails, content and advertising were viewed, advertising data, real time monitoring of technical issues, wait times for customer service, feedback provided, responses to surveys you complete and other measurement information.
Cookies are set by Braven Health, and we may also allow the placement of cookies or other storage technologies by third-parties, including Facebook, to collect or receive information from the Services and elsewhere on the Internet. These third parties may use the information collected to provide Braven Health measurement services or to deliver ads on their websites that are tailored to your interests.
You can decide if and how your computer will handle cookies by configuring your preferences or options in your browser or mobile device settings. However, if you choose to reject all cookies, the Services may not function properly or as desired.
Payment Card Data — For certain products, Braven Health may allow you to pay your premiums through our secure online services. If you choose to use this feature, payment card and/or bank account details are securely collected and transmitted by a third party vendor for the sole purpose of processing payment. The payment vendor is responsible for securely storing such credit card and/or bank account details and for limiting access to authorized users.
How Personal Information is Used
In addition to the uses described above, Braven Health may also use the information collected through the Services to:
- Respond to your inquiries
- Operate our business
- Comply with the law or our policies
- Investigate or prevent fraud or security breaches
- Provide the products and services you request
- Administer your account
- Inform you about products and services that might be of interest to you
Any protected health information (PHI) we may receive through the Services will be handled according to HIPAA and our our Notice of Privacy Practices.
We will share your personal information with entities not affiliated with Braven Health only as described in this Statement or as described in our Notice of Privacy Practices, as applicable:
Partners — We also partner with businesses that operate their own independently run websites, online services or mobile applications. This allows us to offer a wider array of services and features to Braven Health members. Unless stated otherwise, these services are not owned or operated by Braven Health and are used pursuant to that business’s terms of service and privacy practices.
Advertising Networks — We may also use third-party advertising networks to serve advertisements on our behalf. The cookies received with the advertisements served by these networks may be used to collect and build behavioral profiles by these companies to deliver targeted advertisements on our websites and websites not affiliated with Braven Health. You can learn more about targeted advertising at youradchoices.com or optout.networkadvertising.org.
Legal or business purposes — We may also disclose your personal information to third parties, as allowed or required by law or to protect our interests, for purposes of:
- Complying with legal processes
- Responding to requests from public and government authorities
- Enforcing our terms and conditions, including investigations of potential violations
- Detecting, preventing or otherwise addressing fraud, security or technical issues
- Protecting our rights, privacy, safety or property, and to allow us to pursue available remedies,
- Limiting the damages that we may sustain
- In safety matters or in litigation where the data is pertinent, or
- In connection with a merger, acquisition, sale of company assets or other business activity in which a review or transfer of personal information is required.
We may share non-identifiable or aggregate information with third parties for any lawful purpose.
When you provide Braven Health or its contracted service providers with your email address, we may use it to:
- Administer or communicate with you about your account
- Send you information you request
- Communicate offers or updates about our products, programs and services
- Share information about health care management topics or about providers
You may also elect to receive other types of e-mail messages, including newsletters, alerts or notifications.
When you send email messages to the mailboxes listed on our websites, we will retain your message, email address and our response so that we can efficiently respond to your questions or issues. We also do this in an effort to comply with legal and regulatory requirements. Email is not always a secured method of transmitting information. Use judgment when sending information in an unsecured email via the Internet. You may always convey confidential, personal or sensitive information by calling the appropriate member service phone number that you will find under Contact Us.
Email — You can unsubscribe from Braven Health marketing emails by clicking the “Unsubscribe” link at the bottom of each email. You may still receive administrative emails about your insurance coverage or policy.
SMS or text messaging — You are required to provide your phone number upon registering for the online member portal as part of your notification settings. This information will be used to notify you in certain circumstances regardless of whether or not you have opted-in to receiving SMS Test messages if you are at risk of losing your health insurance coverage and/or there is a high-risk health epidemic specific to New Jersey or the state you live in. You may opt-out of a Braven Health texting campaign at any time by replying STOP to the text message you received or by calling Member Services at the number on the back of your member ID card. You will not receive any additional messages from that particular campaign or program you opt out of unless you opt-in again.
Additionally, you may choose to sign up to receive text messages from Braven Health, including text notifications for:
- Account Servicing — Billing reminders, updates to your account information, HIPAA requests for personal representatives, claim payment status, customer service inquiries, or when new documents related to your plan coverage are available (e.g. Explanation of Benefits (EOBs), pre-authorization requests and, request for medical records).
- Health care-Related SMS Text messages — Care and Disease Management, health and wellness programs and reminders, Pharmacy Benefits programs and Behavioral Health programs.
- Security — One time pin (OTP) to help you with your account security during multi-factor authentication or to reset your password.
When you sign up for these messages, the SMS/Texting Terms and Conditions will apply.
Device Location — You can opt-out of location tracking by adjusting the settings on your mobile device.
Interest-Based Advertising — You can opt-out of interest-based advertising by visiting aboutads.info/choices or networkadvertising.org/choices. You may still receive ads from Braven Health, but they will not be tailored to your specific interests.
Cookies — You can make choices about cookies through your browser’s privacy settings. Remember, if you disable all cookies, some features or Services may not work properly.
Do Not Track
At this time, Braven Health is not able to honor Do Not Track signals, but you may adjust your browser settings to prevent cookies from being set.
Braven Health Services are not intended for use or consumption by children under the age of 13 years.
Linking to Other Sites
For your convenience, we may provide links to other websites or applications. We do not control third-party websites or applications, and thus, are not responsible for their privacy practices.
We have implemented physical, electronic and procedural controls designed to safeguard your personal information.
If you receive correspondence that appears to be from Braven Health, but contains typographical errors, grammatical mistakes or awkward wording, please proceed with caution, as this email may not actually be from Braven Health. We will never send you an email asking you to:
- Click on a link in an email to validate personal or account information.
- Open an email attachment.
- Download or run a program received via email.
- Reply to an email and provide personal information, such as Social Security Number, member ID number or username/password to any account.
- Confirm or correct information as part of a system change or upgrade.
- Provide banking information to claim money won in a contest.
- Fill out a customer service survey in exchange for money.
If you receive an email with any of these requests, or any other suspicious content, do not respond. Please forward it immediately to firstname.lastname@example.org.
Changes to this Online Privacy Statement
Evolving technology will provide us with new and better ways to serve your health coverage needs and we may change this Notice at any time and from time to time to reflect new privacy practices. This Statement is not intended to and does not create any contractual or other legal right in or on behalf of any party.
If you have questions about this Online Privacy Statement or our privacy practices, please contact us.