Editorial Standards

We write for people making decisions about their healthcare and their money. Every substantive factual statement about insurance, Medicare, tax treatment, or regulation must be traceable to a source we have read.

If we cannot verify a claim, we revise it or leave it out. We do not publish invented statistics, estimated averages presented as fact, or testimonials.

Where arrangements differ from one practice to another, which is often, we say so.

We prefer primary and authoritative sources: federal agencies such as the Centers for Medicare & Medicaid Services and the Internal Revenue Service, Medicare.gov, state regulators, professional organizations, and peer-reviewed research.

Sources are listed at the end of each article with a link. When a source is old, we note its age. When research on a question is limited, we report that limitation.

Companies that sell memberships are cited only for how they describe their own services, never as evidence that a model works.

Articles are researched and checked against their cited sources before publication. Drafting may be assisted by AI writing tools; every factual claim is checked against the linked source.

Unless an article states otherwise, it has not been reviewed by a physician, attorney, or licensed insurance professional. We will show a reviewer's name, credentials, and the review date only when that review has actually taken place.

Rules and dollar limits change. We revisit articles when the underlying rules change and show a “last reviewed” date only when a real review has occurred.

If we get something wrong, we fix it promptly. Significant corrections are noted on the article so readers can see what changed.

To report an error, use the details on our contact page and include the page address and the source that shows the correct information.

We are not owned by, and do not operate, a medical practice, an insurer, or a membership network. No practice or company reviews or approves our articles before publication.

We do not accept payment to change what an article says or to recommend a specific physician, practice, or plan.

At launch, this site carries no advertising, sponsored content, affiliate links, or paid listings.

If that changes, paid content will be clearly labeled as advertising or sponsored, visually separated from editorial content, and governed by a published policy. A paid relationship will never be presented as an editorial recommendation.