Terms of use
Covered provides general educational information, not medical, legal, financial, or insurance advice.
Last updated October 23, 2026.
What Covered is
Covered is a free website that explains how health insurance usually works, using public rules and data from sources such as Medicare.gov, HealthCare.gov, CMS, and state Medicaid agencies. It is general educational information. It is not medical, legal, financial, tax, or insurance advice, and using it doesn’t create a doctor–patient, attorney–client, or any other professional relationship.
Not affiliated with any insurer or government agency
Covered isn’t a government website and isn’t affiliated with, endorsed by, or paid by Medicare, Medicaid, CMS, HealthCare.gov, any state agency, or any insurance company, doctor, hospital, or pharmacy. We don’t sell insurance, enroll anyone in a plan, or receive commissions. Insurer, plan, and drug names are used only to identify them.
Answers are general and can be wrong
Coverage depends on your exact plan, your eligibility, medical necessity, prior authorization, network status, billing codes, the date of service, and how your claim is processed. Plan data, prices, directories, and rules change, and public data can be out of date or contain errors. Nothing on Covered guarantees that a service is covered, that a claim will be paid, that a doctor is in your network, or what you will pay. Before you get care or make a decision, confirm with your plan (the number on your insurance card), your doctor’s office, or the agency that runs your program. If your plan’s documents or a notice you received say something different from Covered, they are what count.
Emergencies and medical decisions
Covered can’t tell you how serious a symptom is or what care you need. If you think you may have a medical emergency, call 911 or go to the nearest emergency room. If you are thinking about harming yourself, call or text 988. Decisions about your care belong to you and your clinicians.
Letters, scripts, and deadlines
Appeal letters, letters for your doctor, bill letters, and call scripts are templates for you to review and change. You are responsible for what you send and for meeting your deadlines; the deadlines we show are general rules, and the date on your own notice controls. For help with an appeal, contact your state’s consumer assistance program, your State Health Insurance Assistance Program (SHIP) for Medicare, or a legal aid office.
Doctor and practice information
Doctor listings come from insurers’ public directories and from information practices send us. A listing doesn’t confirm that a doctor takes your exact plan. Practice-submitted information is confirmed by email and reviewed by us before it’s shown, but it isn’t verified with insurers.
Translations
Spanish pages are translated from the English. If a translation differs from the English version, the English version controls. Tell us about any error.
Your information
Please don’t enter names, dates of birth, member IDs, Social Security numbers, or medical-record details. See our privacy page for what we keep.
Using the site fairly
Don’t use Covered to break the law, to overload or attack the site, to get around its limits or security, or to collect its content in bulk by automated means beyond what our robots.txt allows.
Other websites
We link to government, insurer, and other websites we don’t control. We aren’t responsible for their content or practices.
No warranty, and limits on our liability
Covered is provided “as is” and “as available”, without warranties of any kind, including accuracy, completeness, fitness for a particular purpose, and availability, to the fullest extent the law allows. To the fullest extent the law allows, we aren’t liable for any loss or damage arising from your use of, or reliance on, Covered, including denied claims, bills, missed deadlines, or care decisions. Some places don’t allow these limits, so they may not all apply to you.
Changes
We may change Covered or these terms at any time. The date above shows when these terms last changed. Using Covered after a change means you accept the new terms.
Contact
Questions, corrections, or requests: use the feedback page.