Terms of Use

1. Acceptance and Agreement

By accessing or utilizing Medical Bill Explainer (accessible at eobexplanation.com), including our CPT code directory, Explanation of Benefits (EOB) calculators, dispute guide letter templates, and browser-based scanning tools, you agree to be bound by these Terms of Use and all applicable federal, state, and local laws.

2. Educational and Informational Purpose Only (No Advice)

All content provided on Medical Bill Explainer is created strictly for consumer educational purposes and general public information. Specifically:

• No Medical Advice: We are not physicians or healthcare providers. Nothing on this website constitutes clinical advice, medical diagnosis, or treatment recommendations.
• No Legal Advice: We are not attorneys, and our materials do not establish an attorney-client relationship. Dispute letters, statutory citations (such as the No Surprises Act or IRS 501(r)), and regulatory summaries must be reviewed according to your specific state laws and circumstances.
• No Financial or Insurance Advice: Medical Bill Explainer is not an insurance carrier, licensed billing agency, or debt counseling firm. Consult your health plan administrator or a certified patient advocate before making final financial decisions.

3. Fair Price Estimates and Benchmark Limitations

Pricing ranges displayed across our CPT directory and calculators reflect national statistical benchmarks (such as Medicare Physician Fee Schedule conversion factors and regional commercial cost models). Actual healthcare costs depend upon provider contracts, inpatient facility fees, geographical cost indices, in-network versus out-of-network status, and specific deductible thresholds.

We make no warranty, representation, or guarantee that a healthcare facility or provider must or will accept the estimated fair cash price ranges displayed on this website.

4. Intellectual Property and CPT® Copyright Notice

Current Procedural Terminology (CPT®) codes, descriptions, and five-digit numerical identifiers are copyright protected by the American Medical Association (AMA). CPT is a registered trademark of the American Medical Association. This website uses CPT coding terminology for descriptive, non-commercial patient educational reference under fair use principles.

5. Limitation of Liability

To the fullest extent permitted by applicable law, Medical Bill Explainer, its authors, researchers, and affiliates disclaim all warranties, whether express or implied. Under no circumstances shall Medical Bill Explainer be held liable for direct, indirect, incidental, consequential, or punitive damages resulting from your use or inability to use this platform, including billing disputes or insurance claims negotiations.

6. Changes and Contact

We reserve the right to revise or update these Terms of Use at any time. Any changes will be posted directly to this page with an updated effective date. If you have questions regarding these terms, please review our About Page or contact us directly.