Disclaimer
Effective: May 2026. HealthCostHub is reference content, not professional advice. Read this before relying on anything on the site for a real-world decision.
Not medical advice
Articles, calculators, and cost data on HealthCostHub are for general informational purposes only. They do not constitute medical advice, diagnosis, or treatment recommendations. Always seek the advice of a licensed clinician with any questions you may have regarding a medical condition. Never disregard professional medical advice or delay seeking it because of something you read on HealthCostHub.
Not legal advice
Articles describing the No Surprises Act, state ground-ambulance protections, balance billing, CCPA, and other regulations are summaries of public law, not legal advice. For a specific bill dispute or legal question, consult a licensed attorney or a patient-advocacy organization in your state.
Not financial or tax advice
Articles and calculators covering HSA tax treatment, plan comparisons, CareCredit / financing options, and similar topics are general references. State tax laws, APRs, plan terms, and product eligibility change frequently. For decisions that affect your finances or tax situation, consult a licensed CPA, financial advisor, or your state's Department of Revenue.
Pricing data — reference only
Procedure cost ranges, financing APRs, and plan rules are sourced from CMS price-transparency files, government publications, and brand-published terms. Numbers shown are reference ranges, not guaranteed quotes. Always verify the actual cost or rate with the provider, insurer, or financing company before acting.
No clinician-patient or attorney-client relationship
Use of HealthCostHub does not create a clinician-patient relationship, attorney-client relationship, fiduciary relationship, or any other professional relationship between you and the site or its operators.
Affiliate Disclosure
Some articles on HealthCostHub include affiliate links to financing companies (CareCredit, Cherry, Walnut, Sunbit, personal-loan providers), dental discount plans, insurance marketplaces, and healthsharing ministries. When you apply for or purchase products through these links, we may receive a commission. This does not change the price you pay.
Affiliate relationships do not influence which products we cover, how we rate them, or what we recommend. We disclose the affiliate relationship at the page level whenever an affiliate link is present. Editorial coverage is determined by topic relevance, search demand, and what we believe genuinely helps readers — not by commission rate or partner pressure.
Specific brands we have affiliate or referral relationships with may include (subject to ongoing program eligibility): CareCredit (Synchrony Financial), DentalPlans.com, eHealth, GoHealth, HealthCare.com, Stride Health, Medi-Share (Christian Care Ministry), Sedera, Cherry, Walnut, Sunbit. The presence of a brand in this list does not imply endorsement; the absence does not imply criticism.
Site operator
HealthCostHub is operated as an independent publication. We have no ownership stake in, employment relationship with, or paid sponsorship from any insurer, hospital system, dental chain, financing company, or healthsharing ministry.
Contact
Questions about this disclaimer: info@healthcosthub.com.
This disclaimer is a plain-English statement of the limits of the information on HealthCostHub. It is not a substitute for legal counsel.