Fair questions. Straight answers.

No. We are against broken promises. Insurance, honestly delivered, is one of the most important inventions in economic history. We hold companies to the standard the product requires.

No. Not for anything, not in any form, not ever. No donations, no sponsorships, no advertising, no event fees, no affiliate commissions. Consumers pay nothing either. The professionals in our directory fund this work through visibility fees, alongside donors and grantmakers. It is the strictest funding rule in insurance advocacy, and it is the reason our ratings cannot be bought.

No. We are not a law firm and we do not represent individuals. We teach you the process, and our directory connects you with licensed professionals who can represent you.

Yes, for consumers, permanently. Providers pay optional fees for enhanced directory visibility, which is disclosed on every listing.

Bad faith is when an insurer unreasonably denies, delays, underpays, or fails to investigate a claim it owes. It is central to our work but not the whole picture. We also cover third party claims, self insured entities, health denials and appeals, and sales side problems like coverage gaps.