Terms of Service

1. Acceptance of Terms

These Terms of Service apply whenever you access or use United Patient Advocate, including its website, bill-review workflow, educational references, generated materials, dashboard, and downloadable documents. Your use of the service confirms that you have read, understood, and agreed to these terms.

2. Description of the Service

United Patient Advocate provides self-help educational information, billing-review organization tools, and document templates intended to help users understand and communicate questions about medical bills.

The service may organize information you provide, review visible details from an uploaded bill, identify charges or documentation areas worth asking about, compare eligible laboratory codes with a published fee schedule, and prepare draft questions, letters, scripts, action steps, and reference materials.

You review, complete, edit, sign, and send all documents yourself. United Patient Advocate does not contact providers, insurers, collectors, agencies, or other parties for you and does not act on your behalf.

3. No Professional or Fiduciary Relationship

United Patient Advocate is not a law firm and does not provide legal, medical, tax, insurance, or financial advice. United Patient Advocate does not represent you, advocate directly on your behalf, make decisions for you, or provide professional services.

Your use of the service does not create an attorney-client, clinician-patient, accountant-client, insurance-agent, fiduciary, representative, or other professional relationship.

You should consult an appropriately qualified professional when you need advice or assistance specific to your circumstances.

4. Laboratory Charge Comparisons

When available bill details include a matching laboratory code, United Patient Advocate may compare that line with the published Centers for Medicare & Medicaid Services Clinical Laboratory Fee Schedule.

• Clinical Laboratory Fee Schedule comparisons apply only to matching laboratory codes found in the fee-schedule data used by the service.
• A Medicare laboratory fee-schedule amount is a reference benchmark and does not automatically determine what a provider may charge, what an insurer must pay, or what you owe.
• Charges that do not match the Clinical Laboratory Fee Schedule, including non-laboratory services, may be flagged for your own review but are not assigned a guessed laboratory benchmark.
• A flagged charge is a question worth reviewing, not a finding that the charge is incorrect.

5. Your Responsibilities

You are solely responsible for reviewing your bills, insurance documents, account records, deadlines, and all materials generated through the service. Before sending or relying on any document, you are responsible for verifying its accuracy, completeness, dates, names, amounts, account information, factual statements, and suitability for your circumstances.

You decide what actions to take and what materials to send. You are responsible for communicating directly with providers, insurers, and other parties, preserving copies, monitoring deadlines, and confirming responses.

You are also responsible for maintaining access to your device, browser, files, and account information and for using reasonable care when sharing personal or billing information.

6. No Guarantee of Outcome

United Patient Advocate does not guarantee that any bill contains an error, that any charge is incorrect, that a provider or insurer will respond, that a dispute or appeal will succeed, or that you will receive a refund, reduction, adjustment, reimbursement, or savings.

Results depend on the available records, provider policies, insurer determinations, plan terms, applicable rules, deadlines, and individual circumstances.

7. Acceptable Use

You agree not to misuse the service. You may not use United Patient Advocate to submit knowingly false, misleading, fraudulent, abusive, threatening, or unlawful claims or communications; impersonate another person; interfere with the service; attempt unauthorized access; or use generated materials in a way that violates another person's rights.

You may use your generated materials for your own personal billing-review and communication purposes. You may not resell, republish, or present the service or its materials as your own commercial product without permission.

8. Service Provided As Is

Uploaded documents may be incomplete, unclear, or difficult to extract accurately. Generated materials depend on the information available and may require correction or completion by you.

9. Limitation of Liability

To the maximum extent permitted by law, United Patient Advocate will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost savings, lost opportunities, missed deadlines, lost data, or decisions made based on the service.

To the maximum extent permitted by law, the total liability of United Patient Advocate arising from or related to the service will not exceed the amount you paid for the service giving rise to the claim.

10. Changes to the Service or Terms

United Patient Advocate may update the service or these terms as the product changes. Updated terms will be posted on this page with a revised effective date. Continued use after an update means you accept the updated terms.