Editorial Standards
ClaimBack is a YMYL (Your Money or Your Life) resource. Inaccurate information about insurance denials can harm patients who rely on it. These standards govern how we produce and maintain content.
Accuracy over completeness
We would rather display fewer statistics than display inaccurate ones. Every figure on ClaimBack links to its primary public source. If we cannot cite a figure to a primary source, we do not publish it.
No fabricated or estimated data
ClaimBack does not generate or extrapolate statistics. Denial rates, complaint ratios, and appeal overturn rates are taken directly from government and statutory ombudsman publications. Fields that are not available in primary sources are marked null or omitted.
Transparent reporting periods
Every statistic on ClaimBack is displayed with its source name and reporting period (e.g. "KFF analysis of insurer MLR filings, 2022"). We do not present statistics as "current" without indicating when they were collected.
Clear scope limitations
Insurance regulations differ significantly by country, state, and plan type. We note applicable jurisdictions for every piece of regulatory guidance. We do not generalise US rules to other countries or vice versa.
Not legal or medical advice
ClaimBack provides educational information and appeal letter generation tools. Nothing on this site constitutes legal or medical advice. We recommend consulting a licensed attorney or patient advocate for complex disputes.
E-E-A-T and source attribution
Our content cites published clinical guidelines, regulatory sources, and independent research. Content is reviewed for accuracy before publication. Sources include NAIC, CMS, KFF, the Financial Ombudsman Service (UK), AFCA (Australia), FIDReC (Singapore), and the Monetary Authority of Singapore.
Our data sources: NAIC, CMS/HHS OIG, KFF, Financial Ombudsman Service (UK), APRA, AFCA (Australia), FIDReC, MAS (Singapore), OLHI, PHIO (Canada). Full source registry: data-sources. Methodology: methodology.