FREQUENTLY ASKED QUESTIONS
FREQUENTLY ASKED QUESTIONS
Frequently Asked Questions
What is Health Insurance Report Card?
Health Insurance Report Card is a consumer reporting platform that documents real health insurance claim experiences, including denials, delays, approvals, and appeals.
Who can file a report?
Any individual who has experienced a health insurance claim issue may submit a report, including issues related to private, employer-sponsored, or public health insurance plans.
Is this medical or legal advice?
No. Health Insurance Report Card does not provide medical, legal, or insurance advice. The platform documents experiences only.
Do you sell or compare insurance plans?
No. The platform does not sell insurance, compare plans, or act as a broker.
What information should I include?
Reports should include factual information such as the insurer, plan type, state, issue type, key dates, and outcome if known. Personal medical details should not be submitted.
Is my personal information published?
No. Reports are anonymized before any public use. Identifying information is removed.
Will filing a report affect my insurance coverage?
No. Submitting a report does not change your policy, coverage, or relationship with your insurer.
Do you contact insurers on my behalf?
No. Health Insurance Report Card does not intervene, advocate, or communicate with insurers regarding individual claims.
Is there a cost to submit a report?
No. Submissions are free.
How is the information used?
Reports are reviewed, anonymized, and aggregated to identify trends in coverage decisions, appeal timelines, and outcomes over time.
Can I update a report later?
If you receive new information or a resolution, you may update your report using the original submission email.
When will reports be visible publicly?
Anonymized summaries and trend data may be published after sufficient data is collected to ensure accuracy and privacy.