Legal

Disclaimer

Effective date: 30 May 2026 · healthplanadvise.com

Please read this Disclaimer carefully. It forms part of our Terms of Service and applies to all content, reports, letters, and advice provided by HealthPlan Advise.

1. Advisory Service Only

HealthPlan Advise provides information, analysis, and advisory services related to health insurance claims and coverage. All content, reports, letters, and communications we provide are for information and guidance purposes only.

Nothing on this website, or in any deliverable we produce, constitutes:

• Legal advice, legal representation, or the services of a law firm
• Medical diagnosis, treatment, prescription, or clinical care
• Insurance brokerage, underwriting, or regulated financial advice
• An actuarial or binding opinion on coverage, eligibility, or policy interpretation
• A guarantee or promise of any insurance, healthcare, regulatory, or financial outcome

2. Not a Regulated Firm

HealthPlan Advise is not an insurance company, insurance broker, underwriter, licensed legal firm, or regulated financial adviser. Our service is clinically led, insurance-informed advisory and educational in nature and does not carry the regulatory status of any licensed insurer, broker, legal practice, or financial services firm in any jurisdiction.

Where your situation requires formal legal advice, insurance representation, or regulated financial guidance, we strongly encourage you to engage appropriately qualified and licensed professionals.

3. No Guarantee of Outcome

Insurance claim and coverage outcomes depend on your specific policy terms and conditions, your insurer’s internal policies and adjudication processes, applicable national and regional law and regulation, decisions of independent regulators or ombudsmen, and many other factors entirely outside our control.

Submitting our reports and letters does not guarantee approval, payment, coverage, or any specific result. Our service represents a professional assessment based solely on the materials you provide. It is not a warranty of any outcome, and the quality or success rate of any prior case we have handled is not indicative of future results.

4. Reliance on Information You Provide

We prepare our work based entirely on the information and documents you submit. We rely on you to ensure that all information provided is accurate, complete, and current. We are not responsible for errors, omissions, poor outcomes, or losses of any kind arising from inaccurate, incomplete, misleading, or fraudulent information or documents submitted by you or on your behalf.

5. Changes in Law, Regulation, and Policy

Healthcare regulations, insurance laws, insurer policies, and clinical guidelines change frequently and vary significantly across jurisdictions. Any information or guidance we provide reflects the position at the time of delivery based on the materials we reviewed. We are not responsible for changes that occur after we deliver your reports, and we have no obligation to update deliverables after delivery.

6. Third-Party Links and References

This website may link to or reference third-party websites, regulatory bodies, or resources. These links are provided for convenience only. We are not responsible for the content, accuracy, legality, or privacy practices of any third-party website. A link does not imply endorsement, affiliation, or sponsorship.

7. Clinical Involvement Does Not Mean Patient Treatment

The involvement of a licensed physician in our service relates exclusively to the review and preparation of claims advisory documents, drawing on clinical and insurance expertise. It does not constitute a clinical consultation, a patient–doctor relationship, medical examination, diagnosis, or treatment of any kind. You should continue to seek medical care from your treating healthcare providers.

8. Limitation of Liability

To the maximum extent permitted by applicable law, HealthPlan Advise and its personnel shall not be liable for any loss, damage, expense, or harm of any kind arising from or in connection with:

• Your reliance on any information, reports, or letters we provide
• Decisions made by insurers, regulators, courts, employers, or any other third party
• Changes in applicable law, regulation, or policy terms after delivery of your reports
• Inaccurate or incomplete information submitted by you
• Service interruptions, data incidents, or errors attributable to third-party infrastructure
• Any outcome of a claim, appeal, coverage review, or regulatory complaint

Where applicable law does not permit these exclusions, our liability is limited to the maximum extent permitted. Our total liability shall in any event not exceed the amount you paid for the specific service.

9. Seek Independent Professional Advice

HealthPlan Advise is a complement to, not a substitute for, independent legal, insurance, or medical professional advice. Where the stakes are high — complex litigation, large claims, regulatory proceedings, or clinical decisions — we strongly encourage you to engage a qualified professional in your jurisdiction.

10. Contact

Questions about this Disclaimer: info@healthplanadvise.com