Terms

General information, not advice

Everything here is general information to help you understand and prepare. It is not legal advice, not medical advice and not an insurance recommendation. Using this site does not create a lawyer–client, doctor–patient or any other professional relationship. Your notice, your plan document and the law that applies to your coverage control over anything written here.

Not an emergency service

If you may be in danger or need emergency care, call 911. If you are in crisis, call or text 988. This site cannot respond to messages and does not monitor anything you type.

Letters, scripts and tools

• Letters and scripts are templates. Read each one, change anything that is not true for you, and send it only when you are satisfied. You are responsible for what you send.
• Tools prepare you for a conversation or a filing. They do not decide whether you qualify, whether an appeal will succeed or how a plan will decide. They do not send, file or submit anything for you.
• Dates are calculated from the rules as we have them and from what you enter. Your notice states the deadline that applies to you, and it controls. If you are close to a deadline, act first and check second.

Accuracy

We work hard to be accurate and to say what we could not confirm, but rules, numbers and programs change, and we may be wrong or out of date. This content has not been reviewed by an attorney or clinician (see the editorial policy). We provide the site as it is, without a promise that it is complete, current or suitable for your situation, to the extent the law allows.

Other organizations

Programs, agencies and companies listed here are run by others. Listing one is not an endorsement or a referral, and we do not control what they say or do. Commercial services are labelled.

Using the content

Print or share pages for your own use or to help others with their denials. If you quote a statistic, quote its source from the statistics page.