Affiliate & Commercial Disclosure

1. Commitment to Full Transparency

Medical Bill Explainer (accessible at eobexplanation.com) believes in total honesty and transparency with our readers. Under the Federal Trade Commission (FTC) guidelines concerning the use of endorsements and testimonials in advertising (16 CFR § 255.5), we provide this detailed disclosure explaining our commercial relationships, affiliate links, and how this website funds its free public tools.

2. What Are Affiliate Links and How Do They Work?

Some of the links on this website may be affiliate links. If you click on an affiliate link and make a purchase or sign up for a recommended third-party service (such as consumer healthcare books, patient advocacy tools, financial dispute software, or educational resources), we may receive a small referral commission directly from the merchant.

Important Note: This comes at no additional cost to you. The retail price remains identical whether you use our link, go directly to the provider, or find them via a search engine. In some cases, our negotiated arrangements may even secure a discount for our readers.

3. Strict Editorial Independence

Our editorial integrity is never for sale. Our evaluations, code definitions, fair price benchmarks, and dispute templates are created based on objective public healthcare datasets, including:

• The Centers for Medicare & Medicaid Services (CMS) Physician Fee Schedule
• Federal No Surprises Act statutory requirements (45 CFR Part 149)
• IRS Section 501(r) non-profit hospital financial assistance mandates
• Consumer Financial Protection Bureau (CFPB) medical debt guidance

Commercial relationships, advertising sponsors, and affiliate partnerships have zero influence over which CPT codes we catalog, how price ranges are estimated, or the recommendations provided in our educational guides. We never accept paid reviews or sponsored placements that contradict fair billing principles.

4. Absolute Protection of Patient Privacy

Your privacy and medical confidentiality are sacred. Any bill text, CPT codes, or financial values you input into our client-side tools run strictly within your local browser. No patient records, health details, or billing queries are ever tracked, logged, shared, or transmitted to any affiliate network, marketing agency, or merchant.

5. How to Contact Us Regarding Disclosures

We welcome questions, suggestions, or concerns regarding our commercial relationships, editorial standards, or affiliate links. Learn more about our background and research team on our About Page or contact us directly via our public channels.