The Health Advocate (fantasyfrontierfun.com) publishes plain-English guides about health insurance, Medicare, medical bills, healthcare scams and everyday household costs in the United States. This page explains what our content is, what it is not, and how the website is paid for. It should be read together with our Terms and Conditions and Privacy Policy.
1. General Information Only
Not medical advice. Nothing on this website is a diagnosis, a treatment recommendation or a substitute for care from a qualified health professional. Do not delay or ignore professional advice because of something you read here. If you are having a medical emergency, call 911.
Not legal advice. Our guides, sample letters and phone scripts are educational. They do not create an attorney-client relationship, and they are not a substitute for advice from a licensed attorney or an accredited patient advocate who knows your situation.
Not financial, tax or insurance advice. We do not sell insurance, and we are not licensed insurance agents, brokers, tax preparers or financial advisers. Check any coverage, enrollment, tax or payment decision against your own plan documents or with a licensed professional.
2. We Are Independent and Not a Government Website
The Health Advocate is a privately owned website. We are not a government agency, and we are not affiliated with or endorsed by Medicare, the Centers for Medicare & Medicaid Services (CMS), HealthCare.gov, the Social Security Administration, any state insurance department, or any insurance company, hospital or health system. Official names are used only to explain how those programs work.
To enroll in coverage, check your benefits or file an official complaint, use the official source directly, for example Medicare.gov, HealthCare.gov or your state marketplace, your plan’s member services line, or your state insurance department.
3. Rules, Prices and Deadlines Change
Health insurance rules, Medicare costs, enrollment dates and consumer protections change every year and differ by state, by plan type and by care setting. We review our guides and note the year a figure applies to where we can, but we cannot promise that every figure, deadline or rule is current, complete or right for your circumstances. Dollar amounts and examples in our articles are illustrations, not quotes or guarantees of what you will pay. Always confirm the details with your plan, your provider or the official source before you act.
4. Results Are Not Guaranteed
Our guides describe steps that readers can take, such as asking for an itemized bill, filing an appeal or applying for financial assistance. Outcomes depend on your plan, your provider, your state and the facts of your case. We do not guarantee that any appeal, dispute, negotiation or application will succeed.
5. Advertising, Sponsored Content and Affiliate Links
This website is free to read and is paid for by advertising.
- Display advertising: we show ads from third-party networks, including Google AdSense. We do not choose every ad that appears, and an ad is not our endorsement of that product, service or company.
- Sponsored recommendations: some links to and from this website are paid placements delivered by content recommendation networks.
- Affiliate links and advertorials: some pages contain affiliate links, which means we may earn a commission if you buy through them, at no extra cost to you. Pages written as advertorials are labeled as such on the page.
Advertising and commissions do not change the facts in our educational guides. Any purchase you make from an advertiser or a linked company is between you and that company.
6. Supplements and Health Products
Statements about dietary supplements or other health products mentioned on this website have not been evaluated by the Food and Drug Administration. Those products are not intended to diagnose, treat, cure or prevent any disease. Talk to your doctor or pharmacist before starting a supplement, especially if you take prescription medication or have a medical condition.
7. External Links
We link to government, regulatory and other third-party websites so that you can check information at the source. We do not control those websites and are not responsible for their content, accuracy or availability.
8. Images
Photos and illustrations on this website are stock or generated images used for illustration only. They do not show real patients, customers or readers unless we say so.
9. Corrections and Contact
Accuracy matters to us. If you believe something on this website is outdated or wrong, please tell us through our contact page and include the page address so we can review it.