Your experience matters when it is documented.

Health Insurance Report Card collects factual, time-stamped accounts of health insurance claim experiences so patterns in coverage decisions and outcomes can be identified over time.

Submitting a report typically takes about 5 minutes.

You may submit a report if you experienced:

• A claim denial
• A prior authorization denial
• A delay in approval or payment
• A partial payment or unexpected adjustment
• An appeal or reconsideration process
• An unresolved or ongoing issue

Reports should be based on actual events, not expectations or opinions.

Please provide accurate information to the best of your knowledge, including:

• Insurance company and plan type
• State where the policy was issued
• Type of issue encountered
• Key dates (service, denial, appeal, resolution)
• Final outcome, if known
• Approximate dollar amount affected (optional)

Personal medical details are not required and should not be submitted.

• Submissions are reviewed for clarity and completeness
• Personal identifying information is removed
• Reports are aggregated with others to identify trends
• Individual reports are not edited for content or outcome

This platform documents experience. It does not resolve disputes.

• Your contact information is used only for verification
• Reports are published in anonymized form
• No medical advice or legal guidance is provided
• Submission is free

By submitting a report, you confirm that the information provided is factual to the best of your knowledge.