Healthcare Disclaimer

Important information about how to use pricing data on ExploreCarePricing

Last Updated: July 28, 2026

About This Disclaimer

Prepared by: Rachel Wrought, LPN, SHM, MHI

Title:Founder & CEO, Healthcare Operations & Innovation Leader

Credentials:Licensed Practical Nurse (LPN) • Safety & Health Management (SHM) • Master of Healthcare Innovation (MHI)

With more than 18 years of experience spanning clinical nursing, healthcare operations, regulatory compliance, healthcare technology, and healthcare innovation, Rachel prepared this disclaimer to help users understand both the value and limitations of healthcare pricing information.

General Disclaimer

The pricing information provided by ExploreCarePricing is for informational and educational purposes only. It does not constitute medical advice, a guarantee of payment, an insurance quote, or a binding price estimate from any healthcare provider.

What ExploreCarePricing Does

ExploreCarePricing analyzes, organizes, and presents publicly available pricing information to improve consumer understanding. We do not create, alter, or replace the pricing data published by hospitals. Our role is to make existing transparency data more accessible and easier to understand.

Data Accuracy & Limitations

ExploreCarePricing sources pricing data from publicly available hospital transparency files, including official chargemasters and CMS machine-readable files (MRFs). While we work diligently to present accurate information, there are inherent limitations:

  • Data Freshness:Hospital pricing files are updated on varying schedules—some hospitals update monthly, while others update quarterly or less frequently. The prices shown on ExploreCarePricing may not reflect changes made after a hospital's pricing file was last published. We recommend verifying current pricing directly with your provider before scheduling care.
  • Completeness: Not all hospitals publish complete pricing information for every procedure, service, or supply item. Some hospitals provide limited transparency, which may affect price availability on our platform.
  • Interpretation: Hospital pricing files can be complex and use different coding systems. Our interpretation of procedure codes, service bundles, and pricing categories may differ from actual billing practices at your specific hospital.
  • Regional Variations: Prices vary significantly by location, facility type, hospital system, and market conditions. The same procedure may cost substantially different amounts at different facilities.

Insurance & Out-of-Pocket Costs

The prices displayed on ExploreCarePricing represent what hospitals charge and what major insurers have negotiated to pay. Your actual out-of-pocket cost will differ based on:

Your specific insurance plan and network status
Your annual deductible and how much you've met
Co-insurance percentages and copay amounts
Out-of-pocket maximums and annual limits
Whether the provider is in-network or out-of-network
Pre-authorization requirements and medical necessity determinations

Always contact your insurance company to obtain a personalized estimate of your out-of-pocket costs before scheduling any procedure.

Surprise Billing Protection

Under the No Surprises Act (effective January 1, 2022), you have protections against surprise bills from out-of-network providers in most emergency and non-emergency situations. These protections include:

  • Protection from surprise bills for emergency services even if providers are out-of-network
  • Right to request a Good Faith Estimate before non-emergency care
  • Limitation on out-of-network bills when receiving care at in-network facilities

For more information about your rights under the No Surprises Act, visit the official Centers for Medicare & Medicaid Services (CMS) resources:

https://www.cms.gov/nosurprises

Not Medical Advice

ExploreCarePricing is a pricing transparency tool, not a medical service. We do not provide:

  • Medical diagnoses, recommendations, or treatment plans
  • Advice on which procedures, tests, or treatments you need
  • Guidance on choosing a healthcare provider based on clinical quality
  • Information about medical necessity or appropriateness of care
  • Prescription drug recommendations or pharmaceutical advice

All medical decisions should be made in consultation with your licensed healthcare provider, who can evaluate your individual health circumstances and needs.

Verify Before You Go

Before scheduling any healthcare service, we strongly recommend that you:

  1. Contact the hospital or facility directly to confirm current pricing for your specific procedure and circumstances.
  2. Request a written estimate that includes all expected charges (facility fees, physician fees, anesthesia, supplies, etc.).
  3. Call your insurance company to verify coverage, network status, and your estimated out-of-pocket responsibility.
  4. Ask about payment options including cash discounts, payment plans, and financial assistance programs.
  5. Compare multiple providersand consider factors beyond price, including quality, convenience, and your physician's recommendations.

Data Sources & Hospital Responsibility

The pricing data on ExploreCarePricing originates from hospitals themselves. Under federal regulations (CMS Hospital Price Transparency Rule, effective January 1, 2021), hospitals are required to publish their standard charges in machine-readable format.

ExploreCarePricing is not responsible for:

  • Errors, omissions, or inaccuracies in hospital-submitted data
  • Delays in hospitals updating their pricing files
  • Discrepancies between published prices and actual billed amounts
  • Pricing changes that occur after the data was published
  • Variations in how hospitals categorize or describe services

If you believe pricing information on our platform is incorrect, please contact us so we can investigate and update our records.

For Healthcare Providers

ExploreCarePricing data is for educational and informational purposes only. Healthcare providers should not rely on ExploreCarePricing data for:

  • Billing, coding, or revenue cycle decisions
  • Compliance with CMS or insurance regulations
  • Contract negotiations with payers
  • Financial or strategic planning

For official pricing information and compliance guidance, healthcare providers should consult their chargemasters, CMS resources, and payer contracts directly.

Limitation of Liability

While ExploreCarePricing makes every effort to provide accurate pricing information, we cannot guarantee the absolute accuracy of all data. Pricing data originates from third-party hospital sources that we cannot fully control or independently verify in real time.

To the fullest extent permitted by law, ExploreCarePricing, its owners, employees, and affiliates shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of or reliance on the pricing information provided on this platform.

This includes, but is not limited to, damages resulting from:

  • Decisions made based on pricing information displayed on this site
  • Differences between displayed prices and actual healthcare costs
  • Inability to access or use the platform
  • Errors or omissions in the data presented

Your use of ExploreCarePricing constitutes acceptance of these terms. If you do not agree with this disclaimer, please do not use our services.

Disclaimer Updates

We review this disclaimer regularly and update it when regulations change, our services evolve, or data sources are modified. The "Last Updated" date at the top of this page reflects the most recent revision.

Continued use of ExploreCarePricing after any updates to this disclaimer means you accept the updated terms. We encourage you to review this disclaimer periodically to stay informed of any changes.

Governing Law

This disclaimer shall be governed by and construed in accordance with the laws of the State of South Dakota, without regard to its conflict of law principles.

Questions About This Disclaimer?

If you have questions about this healthcare disclaimer or how to use ExploreCarePricing responsibly, we're here to help.

Resources:

  • Visit our FAQ page for common questions and answers
  • Contact us directly with specific questions or concerns

Our Commitment

ExploreCarePricing was created to improve transparency in healthcare pricing by making publicly available information easier to understand. While no pricing tool can predict every individual's healthcare costs, our goal is to provide accurate educational information that empowers consumers to ask better questions and make more informed healthcare decisions.