About this site
Editorial policy
How the content was made, who has and has not reviewed it, and how it is kept current.
How this content was made
The guides, letters, checklists, tools and state pages were drafted with the help of artificial intelligence (AI) assistants working from primary sources: the federal regulations and statutes, agency pages, and each state's official pages. Each rule was copied into a cited reference ledger first, with a note on whether it was confirmed on the primary source. Writers worked only from that ledger, the state records and the research reports, and the deadline rules are stored as data with a test that checks the arithmetic.
What review it has not yet had
No lawyer or clinician has reviewed this content yet.
A licensed attorney who handles health benefits and a clinician have not read these pages. Please treat everything here as a careful starting point, and confirm anything that matters against your notice, your plan document and the agency that regulates your plan.
Rules we follow
- Sourced or left out. A rule, deadline, form, number or phone line appears only if an official source or a cited research report supports it.
- Stricter reading, stated. When two sources differ, we use the safer one and say so.
- Honest about gaps. What we could not confirm is marked on the page and listed on the coverage and corrections page.
- No promises. We never say an appeal will succeed. Statistics carry their year, scope and caveats.
- No advice. We describe rights, options and what to ask. For legal or medical advice, see a lawyer or clinician.
- Plain language. Short sentences, acronyms spelled out, the official term next to the plain one.
Keeping it current
- Federal rules and yearly figures (for example dollar thresholds) should be rechecked at least every year, and whenever an agency announces a change.
- Phone numbers, web addresses and state details should be rechecked about every 90 days.
- Every page shows when its sources were last checked. That is a check of sources, not a review by a lawyer or clinician, which has not happened yet. A page past its check date should be treated with extra care.
Independence
This site does not accept advertising or payment to list a program or service, and it does not rank them. Where a program in the directory is a company, it is labelled commercial and described with its price and limits.
Corrections
Mistakes will be fixed and, if they could have led someone astray, noted. This site does not yet have a public inbox, so the report page explains what you can do for now.