Terms of use
Effective October 13, 2026
These terms apply to your use of spectarehealth.com, including the free claim checker. By using the site you agree to them. If you do not agree, please do not use the site. “We” and “us” mean Spectare Health.
Information, not legal advice
The site explains our services and the dispute process under the No Surprises Act. It is general information. Spectare Health is not a law firm and does not give legal advice, and using the site does not create an attorney-client relationship or any other professional relationship with us.
The claim checker
The claim checker gives an estimate from public CMS data on past federal IDR decisions and a simplified version of the published eligibility rules. Its answers may be incomplete, out of date or wrong for a particular claim, and some depend on facts only the plan or your practice has. They are not a guarantee of eligibility, of any deadline or of any result. You remain responsible for your own deadlines and decisions, so please confirm with the plan and your own advisers before relying on an answer.
Statistics and examples
Statistics on the site come from CMS public use files as analyzed by HFMA and Georgetown’s Center on Health Insurance Reforms and describe all federal IDR disputes nationally. They are not a guarantee of any result. Example disputes and dollar figures are illustrative. The statistics describe what has happened nationally, not results we have achieved or will achieve for you.
Requesting a review does not create an agreement
Sending the request form, or any email, does not commit you or us to anything. We provide services only under a written agreement signed by your practice and by us, and that agreement’s terms, including fees, govern the work.
What you send us
Please make sure what you send is accurate and that you are entitled to share it. Do not send patient information through the site; see our privacy policy, which also explains how we handle what you send.
Using the site
Please do not use the site for anything unlawful, try to break or overload it, get around its security, submit the form automatically or in bulk, or copy its content in bulk.
Our content and other companies’ marks
The site’s text, design, logo and illustrations belong to Spectare Health. You are welcome to view and share pages for your own or your practice’s use. Please do not reuse them for other purposes without our permission.
The site’s illustrations show the names and logos of health insurers, such as Blue Cross Blue Shield, UnitedHealthcare, Cigna and Aetna, to stand for the payers whose payments we review. Those names and logos are trademarks of their owners. Showing them does not mean those companies are affiliated with us, sponsor us or endorse our services.
Other websites
We link to sources such as CMS and published research. We do not control those sites and are not responsible for their content.
No warranties
The site and the claim checker are provided “as is” and “as available”. To the fullest extent the law allows, we make no warranties of any kind, express or implied, including that the site will be accurate, complete, uninterrupted or free of errors, or fit for a particular purpose.
Limits on our liability
To the fullest extent the law allows, Spectare Health is not liable for any indirect, incidental, special, consequential or punitive damages, or for lost profits, revenue, data or missed deadlines, arising from your use of the site or the claim checker. Our total liability for any claim about the site is limited to $100. Some places do not allow these limits, so they may not all apply to you.
Florida law
These terms are governed by the laws of the State of Florida, without regard to its conflict of law rules. Any dispute about the site will be brought in the state or federal courts located in Hillsborough County, Florida.
Changes to these terms
We may update these terms. When we do, we will change the date at the top, and the new terms apply from then on.
Contact
Spectare Health, Tampa, Florida. Email stone.bodini@inspirehealthalliance.com.