Date created: October 3, 2018

Introduction

On behalf of Blue Cross and Blue Shield of Illinois, a division of Health Care Service Corporation, a Mutual Legal Reserve Company, Luminare Health Benefits, Inc. ("Luminare Health Benefits", "We", "Us", "Our") is hosting www.myblueelementil.com ("Website"). Luminare Health Benefits respects your privacy and is committed to protecting it through Our compliance with this policy.

This policy describes the types of information We may collect from you or that you may provide when you visit the Website and Our practices for collecting, using, maintaining, protecting, and disclosing that information.

This policy applies to information We collect:

• On this Website.
• In email or other electronic messages between you and this Website.

Except for information We collect on this Website, it does not apply to information collected by:

• Us offline or through any other means, including any other website operated by Luminare Health Benefits or any third party (including Our affiliates and subsidiaries); or
• Any third party (including Our affiliates and subsidiaries), including through any application or content (including advertising) that may link to or be accessible from or on the Website.

Please read this policy carefully to understand Our policies and practices regarding your information and how We will treat it. If you do not agree with Our policies and practices, you may not use Our Website. By accessing or using this Website, you agree to this privacy policy. This policy may change from time to time; please refer to the section entitled Changes to Our Privacy Policy below.

Children Under the Age of 13

Our Website is not intended for children under 13 years of age. No one under age 13 may provide any information to or on the Website. We do not knowingly collect personal information from children under 13. If you are under 13, do not register on the Website, use any of the features of this Website, or provide any information about yourself to Us, including your name, address, telephone number, email address, or any user name you may use. If We learn We have collected or received personal information from a child under 13 without verification of parental consent, We will delete that information. If you believe We might have any information from or about a child under 13, please write Us at Our address listed at the end of this policy or email Us at HBPrivacyStaff@hlthben.com.

Information We Collect About You and How We Collect It

On this Website, We collect:

• Information by which you may be personally identified, such as: name, date of birth, address information, phone number, email address, member identification number or social security number ("personal information");
• Information about your internet connection and the type and capabilities of the browser and equipment you use to access Our Website and usage details as well as geolocation information.

We collect this information:

• Directly from you when you provide it to Us.
• Automatically as you navigate through the site. Information collected automatically may include usage details, IP addresses, and information collected through cookies, web beacons, and other tracking technologies.

Information You Provide to Us.

The information We collect on or through Our Website may include:

• Information that you provide by using the features of Our Website or filling in forms on Our Website. This includes information provided at the time of registering to use Our Website, and communication you have with Us through Our Website.

Information We Collect Through Automatic Data Collection Technologies.

As you navigate through and interact with Our Website, We may use automatic data collection technologies to collect certain information about your equipment, browsing actions, and patterns, including:

• Details of your visits to Our Website, including traffic data, location data, log files, and other communication data and the resources that you access and use on the Website.
• Information about your computer and internet connection, including your IP address, operating system, and browser type and capabilities (including the availability of browser plug-ins and other applications that may be useful or necessary when using certain features of the Website).

We do not track your online activities over time and across third-party services or other online services. Currently, Our Website does not recognize if your browser sends a "do not track" signal or similar mechanism to indicate you do not wish to be tracked or receive interest-based ads.

The information We collect automatically may include personal information, or We may maintain it or associate it with personal information We collect in other ways or receive from third parties. It helps Us to improve Our Website and to deliver a better and more personalized service, including by enabling Us to:

• Estimate Our audience size and usage patterns.
• Store information about your preferences, allowing Us to customize Our Website according to your individual interests.
• Speed up your searches.
• Recognize you when you return to Our Website.

The technologies We use for this automatic data collection may include:

• Google Analytics. We use Google Analytics, a web analytics service provided by Google, Inc. ("Google") to collect certain information relating to your use of the Website. Google Analytics uses "cookies", which are text files placed on your computer, to help the Website analyze how users use the Website. You can find out more about how Google uses data when you visit Our Website by visiting "How Google uses data when you use Our partners' sites or apps", (located at www.google.com/policies/privacy/partners/). For more information regarding Google Analytics please visit Google's website, and pages that describe Google Analytics, such as www.google.com/analytics/learn/privacy.html.
• Cookies (or browser cookies). A cookie is a small file placed on the hard drive of your computer. You may refuse to accept browser cookies by activating the appropriate setting on your browser. However, if you select this setting you may be unable to access certain parts of Our Website. Unless you have adjusted your browser setting so that it will refuse cookies, Our system will issue cookies when you direct your browser to Our Website.
• Flash Cookies. Certain features of Our Website may use local stored objects (or Flash cookies) to collect and store information about your preferences and navigation to, from, and on Our Website. Flash cookies are not managed by the same browser settings as are used for browser cookies. For information about managing your privacy and security settings for Flash cookies, see Choices About How We Use and Disclose Your Information.
• Web Beacons. Pages of Our Website and Our e-mails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit Luminare Health Benefits, for example, to count users who have visited those pages or opened an email and for other related website statistics (for example, recording the popularity of certain website content and verifying system and server integrity).

How We Use Your Information

We use information that We collect about you or that you provide to us, including any personal information:

• To present Our Website and its contents to you.
• To provide you with information associated with your health plan ("Blue Element℠") such as Explanation of Benefit statements and Blue Element℠ plan documents, to allow for electronic communications from and to you, and to provide you with links to third party services outside of the Website that are associated with Blue Element℠.
• To fulfill any other purpose for which you provide it.
• To provide you with notices about your account.
• To carry out Our obligations and enforce Our rights arising from any contracts entered into between you and Us.
• To notify you about changes to Our Website or any products or services We offer or provide though it.
• In any other way We may describe when you provide the information.
• For any other purpose with your consent.

Disclosure of Your Information

We may disclose aggregated information about Our users, and information that does not identify any individual, without restriction.

We may disclose personal information that We collect or you provide as described in this privacy policy:

• To Our U.S. based subsidiaries and affiliates.
• To U.S. based contractors, service providers, and other third parties We use to support Our business and who are bound by contractual obligations to keep personal information confidential and use it only for the purposes for which We disclose it to them.
• To a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of Luminare Health Benefits's assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by Luminare Health Benefits about Our Website users is among the assets transferred.
• To fulfill the purpose for which you provide it. For example, if you give Us your contact information to have Us contact you, We will transmit your contact information to the appropriate customer service resource.
• For any other purpose disclosed by Us when you provide the information.
• With your consent.

We may also disclose your personal information:

• To comply with any court order, law, or legal process, including to respond to any government or regulatory request.
• If We believe disclosure is necessary or appropriate to protect the rights, property, or safety of Luminare Health Benefits, Our customers, or others. This includes exchanging information with other companies and organizations for the purposes of fraud protection.

Choices About How We Use and Disclose Your Information

We strive to provide you with choices regarding the personal information you provide to Us. We have created mechanisms to provide you with the following control over your information:

• Tracking Technologies and Advertising. You can set your browser to refuse all or some browser cookies, or to alert you when cookies are being sent. To learn how you can manage your Flash cookie settings, visit the Flash player settings page on Adobe's website. If you disable or refuse cookies, please note that some parts of this site may then be inaccessible or not function properly.

Accessing and Correcting Your Information

You can review and change your personal information by logging into the Website and visiting your account profile page under the Profile section of the Website.

You may also send Us an email at HBPrivacyStaff@hlthben.com to request access to, correct or delete any personal information that you have provided to Us. Although you may be able to remove or adjust certain information, We cannot delete some of your personal information in your profile except by also deleting your user account. We may not accommodate a request to change information if We believe the change would violate any law or legal requirement or cause the information to be incorrect.

Your California Privacy Rights

California Civil Code Section § 1798.83 permits users of Our Website that are California residents to request certain information regarding Our disclosure of personal information to third parties for their direct marketing purposes. We do not disclose your information to third parties for their marketing purposes.

Data Security

We have implemented measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration, and disclosure. All information you provide to Us is stored on Our secure U. S. based servers behind firewalls. All information collected or stored on, or transmitted from, this Website will be encrypted using industry standard technology. All data that is submitted to or transferred from the website is protected by Transport Layer Security (TLS) technology.

The safety and security of your information also depends on you. Where We have given you (or where you have chosen) a password for access to certain parts of Our Website, you are responsible for keeping this password confidential. We ask you not to share your password with anyone.

Unfortunately, the transmission of information via the internet is not completely secure. Although We do Our best to protect your personal information, We cannot guarantee the security of your personal information transmitted to Our Website. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on the Website.

Changes to Our Privacy Policy

It is Our policy to post any changes We make to Our privacy policy on this page with a notice that the privacy policy has been updated on the Website home page. If We make material changes to how We treat Our users' personal information, We will notify you through a notice on the Website home page. The date the privacy policy was first created or last revised is identified at the top of the page. You are responsible for ensuring We have an up-to-date active and deliverable email address for you, and for periodically visiting Our Website and this privacy policy to check for any changes.

Contact Information

To ask questions or comment about this privacy policy and Our privacy practices, contact Us at:

Luminare Health Benefits, Inc.
Privacy Office
PO Box 7961
400 Field Drive
Lake Forest, IL 60045-7961

via email:

HBPrivacyStaff@hlthben.com

or via toll-free number:

Call the toll-free Customer Service number on your Member ID Card.