FAQ

What is your goal?

To bring transparency to the health care marketplace.

The health-care market in the United States is opaque. People don’t typically know what procedures and items will cost before they take place.  Does everyone charge $400 for an MRI, or is it $6,000? Does one insurance company pay out more for a mammogram than another, and why? My doctor charges one price, the insurance company reimburses another – but how much am I actually paying?

Increasingly, people who are uninsured or on high-deductible plans — instead of the standard $20 PPO co-pay — are asked to pay higher co-pays, higher co-insurance. They may be completely out of network. People want to know  prices.

Also, if my insurance company is paying $2,300 for an MRI and they could get it for $400, or $600, is that one reason my premiums are going up?

Of course price is not the only consideration, but it’s a big one. In any other marketplace – buying a car, hiring a plumber, buying a tomato – price enters into the equation before you commit to a purchase. In a market where prices are hard to find, consumers can’t make rational decisions.

This site should in no way be construed as offering medical advice. Our stated mission is to bring transparency to the health-care marketplace. Your decisions about treatment, providers and anything else belong strictly to you.

Armed with price information, consumers will be able to use cost (as well as other factors) to choose a doctor, choose a hospital, budget for a medical expenditure, or argue with the insurance company. An informed consumer can make better, more thoughtful choices about insurance: High premium or low? High deductible or low? PPO or  no?

We are bringing you as much price information as we can.

How are you doing it?

We are combining newsy reporting with community involvement to create a transparency platform, a collection of solid, useful information, of several kinds:

1. Our price survey information, from a rigorous data collection process conducted by our journalists.
2. Actionable, newsy reporting about prices in the health-care marketplace.
3. A collection of curated Web resources on this topic, including batch data and helpful sites.
4. Your price information: crowdsourced, anonymously supplied, specific information about medical costs.
5. A blog and other forms of explanation, including articles by, and interviews with, people who can give us answers, and  also links to newsy items.

What makes you think you can fix this by yourselves?

All of us is smarter than one of us. By sharing information, we can illuminate some of these dark corners, and we will all be better off.

You received a crazy bill? Tell us about it. Your claim was denied? Tell us about it. That person on the phone at the insurance company? Something similar probably just happened to him, and we want to hear from him, too.  You won an argument with the insurance company? Tell us.

Other markets have been changed by transparency and technology. Think of real estate sales, airline ticket prices and car sales. All these markets were characterized by information asymmetry. All have changed with transparency.

When you say “we,” what does that mean?

Here’s our team page, and here’s our board of advisors page.  Here’s our blog.

We won a series of grants to launch ClearHealthCosts from the Tow-Knight Foundation at the CUNY  Graduate School of Journalism (Jeff Jarvis  of “What Would Google Do?” and “Public Parts,” was my lead professor for the first grant); the  International  Womens Media Foundation, where Liza Gross (then the executive director) and her team are among our biggest supporters; and the McCormick Foundation’s New Media Women Entrepreneurs Program via J-Lab: The Institute for Interactive Journalism, where Jan Schaffer and her team have opened doors for us because they believe so strongly in what we’re doing.

We are  privileged to have a small group of devoted angel investors.

We are honored to work with a group of dedicated, highly professional partners.

Wait, what’s this about partners?

We have recently been fortunate to join hands with big media partners to report on health pricing, separate from our home site.

The sources of our data: Our shoe-leather reporting; data journalism; and crowdsourcing — asking our community members to share their pricing information via our interactive software, so we gain a 360-degree view of health pricing.

Our PriceCheck pilot project with WNYC public radio in New York in 2013 led to a prototype partnership that placed our interactive widget on the web sites of two more public media partners,  KQED public radio in San Francisco and KPCC/Southern California public radio in Los Angeles. This prototype partnership was funded by the John S. and James L. Knight Foundation, which supports innovations in journalism.

We then launched a partnership with WHYY public radio in Philadelphia, joining hands with their journalists to crowdsource and report on health care prices in the Delaware Valley.

Our Florida radio partners are  WLRN public radio in Miami, WUSF public radio in Tampa-St. Petersburg, and the partnership they share titled Health News Florida.

We launched our New Orleans PriceCheck partnership in April 2017, crowdsourcing health prices with partners WVUE FOX 8 Live and NOLA.com I The Times-Picayune.

WVUE FOX 8 News, owned by Louisiana Media Company, and operated by Raycom Media, leads New Orleans, Louisiana, the state and the region in the field of broadcast investigative journalism. Lee Zurik, the chief investigative reporter and anchor, has won multiple Murrow, Peabody, Dupont, IRE and other awards for investigative journalism, including one in April 2017 from the Investigative Reporters and Editors for his series “Medical Waste,” about health care pricing.

NOLA.com | The Times-Picayune is part of the largest media company in Louisiana, delivering news and information with an intense focus on communities, reaching an audience of 7 million unique readers each month. Jed Lipinski, our primary partner there, has been part of multiple award-winning journalism projects. He is joined by Manuel Torres, also a multiple award-winner.

This page on our home site has a listing of all the New Orleans coverage.

We have a similar partnership with MedPage Today, a supplier of news, opinion and medical education for 670,000 providers nationwide.

Thousands of people have shared and searched prices via these partnerships.

We were recently featured in NiemanLab, on the watchdog site Health News Review and on MediaShift.

Here’s a Harvard Business Review piece about our work with our media partners. We’ve been featured in The New York Times, The Wall Street Journal, NPR and USA Today. Our partner Lisa Aliferis from KQED wrote  about our work in JAMA Internal Medicine, and it was accompanied by a positive editor’s note from Rita Redberg, the JAMA editor, among other great earned media. (Look at our press page for some more citations.)

We also have been asked to testify to the California State Senate Health Committee on transparency and we were cited in a Stanford Health-Anthem Blue Cross contract dispute.

Great! What do you need from me?

Share your price information here in our share form.

Send us suggestions. Comment on our stories. Tweet us, blog us, retweet us. Send us your horror stories, your tales of triumph and derring-do from the medical world. Tell us what you think about what we’re doing. Tell your friends to come on over. Give us an idea of what we can do to make it better.

Twitter: @chcosts. Email: info@clearhealthcosts.com. Facebook: Here’s our clearhealthcosts page.

How do I get this to you?

Here’s our “share your prices” form. Read our blog, and feel free to comment. Here’s our e-mail address: info@clearhealthcosts.com. Write often.

Why would I share this personal information with a stranger, and the Internet?

We want you to contribute your information anonymously and honestly. Together, we can bring badly needed transparency to the health-care marketplace. Because we all contribute our information, the pool of knowledge becomes larger.

If you’d like to include your email address and phone, or send a scan of your explanation of benefits or bill, that will help us use your experiences to make great journalism.

What about my privacy?

How is this project funded?

ClearhHealthCosts founder Jeanne Pinder won a $20,000 award  in December 2010 from the fabulous folks at the Tow-Knight Center for Entrepreneurial Journalism at the CUNY Graduate School of Journalism in New York to help launch the project.

She also  won a second $20,000 grant from the Ford Foundation via the International Women’s Media Foundation for the project in spring 2011.

In March 2012, ClearHealthCosts was chosen one of four winners in the McCormick Foundation New Media Women Entrepreneurs project, an initiative of  J-Lab: The Institute for Interactive Journalism.

In spring 2014, the  Prototype Fund of the John S. and James L. Knight Foundation granted $35,000 to ClearHealthCosts and its partners, KQED public radio in San Francisco and KPCC/Southern California Public Radio in Los Angeles, to launch PriceCheck, a project creating a reported and crowdsourced database of health prices in California.

In February 2015, WHYY public radio launched a PriceCheck project in partnership with clearhealthcosts.com, with funding from the Robert Wood Johnson Foundation.

In 2016, the PriceCheck partnership launched at WLRN public radio in Miami and WUSF public radio in Tampa-St. Petersburg, and their partnership, Health News Florida. In 2017, the partnership launched in New Orleans, with NOLA.com I The Times-Picayune and WVUE FOX 8 Live television.

What is your editorial bias?

We are a voice for, and a source for, the informed consumer. People who know more about the costs of their medical care will be better consumers.

We also think that sunlight improves just about everything, so we hope to shine sunlight in any number of dark corners.

Do you have sponsors, and if so, what influence do they have on your editorial decisions?

Other than the grant money noted above, we have a tiny bit of investment money.

Our income: our partners pay us to share information with them and help them make great journalism. We also create custom content for a few partners.

We are committed to making editorial decisions in the spirit of full transparency, independent of any money that changes hands.

Wait: you’re a for-profit? What’s up with that?

We’ve been asked several times recently why we’re a for-profit and not a nonprofit. Here’s why: We are a for-profit because we were founded out of the entrepreneurial journalism class at the City University of New York Graduate School of Journalism in New York City, run by Jeff Jarvis and Jeremy Caplan, which has grown into the Tow-Knight Center for Entrepreneurial Journalism at the CUNY J-School.

One of the missions of that class (now a full master’s degree and a certificate program) is to develop sustainable business models for journalism. Jarvis would not let any of us be nonprofits: he said that’s not a business model. So, we are a journalism for-profit, as are The New York Times, Gannett and many other news organizations.

Frankly, as we look at the changing journalism landscape, it seems that big nonprofits like ProPublica, The Texas Tribune and The Marshall Project are more flush than the for-profits like The New York Times and Gannett, which are still supporting legacy structures like pensions and printing presses.

We agree with Emily Bell, Clay Shirky and C.W. Anderson, who wrote in their paper on “PostIndustrial Journalism” about this issue at length, including this statement: “To reiterate our position: Most of the for-profit vs. nonprofit discussion is useless. Any way of keeping expenses below revenue is a good way.”

Also, on the nonprofit for-profit distinction: in the health care marketplace, the distinction is hard to parse. Nonprofit hospitals can be every bit as saintly or as greedy as for-profits; nonprofits do not pay taxes, but that doesn’t mean that they’re not looking for a strong business model, examining their books to maximize revenue, and sometimes engaging in questionable business practices.

It can be a topsy-turvy world. Look, for example, at this story that came through our PriceCheck reporting: For-profit Anthem Blue Cross is criticizing nonprofit Stanford Health for charging so much for health care, citing PriceCheck as a responsible third-party source of neutral information. That’s what we want to be as journalists: responsible sources. For-profit or nonprofit is an organizational choice, not a religion.

One of my friends, a venture person, has also applauded our choice, saying “There’s something very pure about making something that people will pay money for.”

Furthermore, our for-profit status excludes us from certain opportunities — a whole series of grants, for example. This status, then, leaves us with the opportunity to pay taxes if we ever make money, to help carry the tax burden of nonprofit journalists, yet we cannot raise foundation money from the same sources that will keep them healthy.

We want to be very clear here: We don’t oppose nonprofits, but we don’t think that nonprofit status confers automatic sainthood or intrinsic value. Also, if given an even-up choice right now, it’s possible that the big for-profits –- The New York Times, The Washington Post, Gannett -– would choose a nonprofit model to escape the tax burden and also avail themselves of foundation money.

Also, within the for-profit world: Is The New York Times the same kind of for-profit that Bloomberg News is? Conversely, nonprofits: is Inside Climate News or MinnPost the same kind of nonprofit that The Texas Tribune is?

You allow anonymous survey contributions, but you want people to give their names when commenting on the site. Why?

People supplying us information that might affect their health-care coverage should be allowed to contribute anonymously. When it comes to comments, we like it when people give their full names, because we — like the editors of The New York Times, where we spent many a happy day –- think it promotes civil discourse. We hope to have a free and energetic discussion. In that context, we have borrowed the comments policy of The Times, which you can find here and here.

That said, anonymity can be important in this arena, and if you need to be anonymous, we will understand -– though we expect civility from everyone.

So this is crowdsourced information — why should I believe any of it?

Some of our data is reported by our journalists. Some comes from government databases (the Medicare pricing). Some is crowdsourced.

We trust our communities and believe in you. We believe your information will add to the reported information we already have, and we will be comparing the data about costs of items and procedures.

So I was going to share prices.  You said I should use the “explanation of benefits,” but it’s really confusing. Can you help?

Here’s a 2-minute video from one of our partners, WHYY public radio in Philadelphia.

Here’s a blog post that we did collecting a number of confusing ways that the forms represent or obscure information.

Here’s a great deconstruction of the explanation of benefits from our partners at KQED public radio in San Francisco.

Here’s an explanation of a colonoscopy bill from our partner at WHYY public radio in Philadelphia.

Here’s another article, with a sample bill.

Here’s an article with  explanations of common terms and frequently confusing entries.

Confused by the numbers? Here’s an explainer. 

Here’s a Facebook Live video, of about 30 minutes, with a discussion of the project, from our partners at WLRN in Miami.

What data do I supply?   My wife had a colonoscopy. There were bills from the gastroenterologist, the facility, the anesthesiologist and the lab.

Please add all of these together as the “total cost” of the procedure. We are most interested in the “all-in” price, just as you probably are.

So if you choose the procedure that most closely matches what she had, and use the total prices charged, paid by insurance and paid by you, then specify a breakdown of other charges in the notes, that would be the best way for us to build a useful data set.

When we collect the colonoscopy costs in our database, we try in every case to get that “all-in” price, for a cash or self-pay patient, though it’s not always available in advance.

Sometimes the individual charges you experience are also remarkable ($1,500 for anesthesia? $2,700 for a facility fee? come on!) so if the notes capture that, it’s awesome.

If you’re not sure we want it, here’s your answer: yes, we want it. Detail is good!

The procedure descriptions are confusing. There are a lot of things named “colonoscopy” on this list. Which one am I supposed to pick?

Look on your bill and see if you can find a five-digit code like 77057 or an alphanumeric code like G0202. That’s the closest description used in the medical system to standardize procedure identification. For more about the numbers, here’s a blog post.

Not every bill has these same codes on it; some have only verbal descriptions.

If you can get a code, that’s good, but if not, use the closest verbal description in our widget – once you start typing, it will give you some suggestions from which to choose.

Beyond that, know that the medical codes vary in complexity according to how long the visit or procedure was, how complex it was, was this a new or returning patient and so on — for even the simplest things, like an office visit. Here’s a chart hinting at the complexities.

So a more complicated procedure like a colonoscopy might have more variables — how long was it, were there any complications, was there one biopsy or several?

The short answer: pick a code that’s closest to what you had.

I want to put in something that’s not on the list. Why can’t I?

We’re working to make a database of good, comparable information for the 8,400 major current procedural terminology (CPT) codes used commonly in the medical billing system.

If we had a freeform data field, then that would allow you to put in “hairy toenails” or “I hate my mother-in-law” or anything else you wanted to input. Our database would then be lacking.

So we made a “share” form that has only 7,800 options. Please choose the closest one.

But! If you have something that’s not on the list, type “Other” and explain in the comments. It’s best if you can pick from one of the listed items, because that gives us cleaner data.”

My provider is not in this database. Or: I am a provider and I am not in this database. What gives?

The provider list comes from Google, and we are aware that it has some faults in it. But the Google Places API that we are using is free, so we can’t go ask for our money back.

Also in fact, many of the provider lists are out of date in health care – there are a lot of mergers and acquisitions and so on.

Certain healthcare providers or facilities may not appear — or not appear accurately — in Google’s business listings. If you are a provider with questions, please contact Google to update your listing.

Tip: Google listings are inconsistent. When you search, the provider name may need to start with a prefix such as “Dr.” in order to appear in the dropdown, or it may not.

I have something I’d like to send in but the form won’t take it.

Here’s how we’d like to see it.

• Provider (as specific as possible, with address, city, zip, phone, website)
• Name of procedure
• CPT or HCPCS code
• Cash or self-pay price charged
• (If you’re sending in personal information, not practice information, tell us what insurance paid and what you paid)
• Comments
• Email address

Email to info@clearhealthcosts.com with “Pricecheck data share” in the subject line.

If you have lots of prices to share, you can download this sample spreadsheet. This spreadsheet is in XLS format. Please complete all the fields and email it back to us at info@clearhealthcosts.com.

I tried to enter my information, but it didn’t seem to work.

If you would feel comfortable in sharing via email, here are the data points: If you return this to us, we’ll put it in for you!

• Provider (as specific as possible, with address, city, zip, phone, website)
• Name of procedure
• CPT or HCPCS code
• Cash or self-pay price charged
• (If you’re sending in personal information, not practice information, tell us what insurance paid and what you paid)
• Comments
• Email address

Also, we’re always eager to improve our software. Here’s how we like to hear reports of malfunctions:

Bug or feature?

(“Bug” is if it doesn’t work, while “feature” is if I wish it would do something that it doesn’t now, like search by insurance company or by provider, instead of procedure)

• What it does—be as explicit as possible.
• What you would like it to do–be as explicit as possible.
• Tell us what device, operating system, browser–be explicit (MacBook Air, OS X 10.6.8, Chrome build 40.0.2214.93 64-bit or iPhone 5S, IOS 7, Safari).
• Pictures are great, so if you can attach screenshots, documents and so on, that’s ideal. Arrows are helpful.
• Email to info@clearhealthcosts.com with “PriceCheck bug report” in subject line.

Thank you very much! We appreciate your help!

What I had does not show up in your list.

Please pick the closest thing you can find. If your procedure isn’t on the list, choose “Other” and explain in the comments. It’s best if you can pick from one of the listed items, because that gives us cleaner data.”

If you have other questions, email us at info@clearhealthcosts.com.

What prices are you interested in? I have a whole bunch of bills.

We are interested in all prices.

What about quality? My provider is better than anybody else.

We believe you. But there should be some better way than you telling us they’re great.

Quality measurements for health care providers, hospitals, surgical centers and so on are a hot topic.

Everybody’s got a favorite source (Yelp? healthgrades.com? AHRQ? Leapfrog? Consumer Reports? U.S. News and World Report? HEDIS? HCAHPS? Your insurance company’s quality rankings? Your Facebook friends?) but the bottom line seems to be this: There’s a cacophony of competing sources of measurement, none of them definitive or over-arching. So we were interested to see this recent study revealing the outcome of a recent government effort to resolve the problem, as described by Alexandra Robbins in The Atlantic. The Department of Health and Human Services is wrestling with this, and to hear Robbins tell it, they labored mightily and brought forth a mouse.

If you have a favorite supplier of quality metrics, please tell us — and tell us why they are better than others.

From where we sit, there’s not much that is really actionable by individuals, or accepted and embraced by the clinician world.

Price without quality is incomplete. In our view, bringing price out of the shadows speeds a thoughtful quality discussion: What makes that $6,000 MRI so much better than the $300 one?

Why would anyone care about a cash or self-pay price? That’s only for uninsured people, right?

First, not everyone is insured. And not all providers are in network.

Also, with rising deductibles and rising coinsurance, much more of the price is being paid by insured people.

Also, if you’re responsible for co-insurance of, say, 20 percent on a procedure, you might want to know if you’re paying 20 percent of $300 or 20 percent of $6,000. (Depending on the insurance plan’s language, you might be paying a percentage of the sticker price rather than of the negotiated price.)

Also, we’ve heard of people on high-deductible plans who routinely ask to pay the cash rate instead of the negotiated rate. Here’s one example: One person who responded to our California PriceCheck survey wrote: “I was told procedure would be 1850. I have a 7500 deductaible[sic]. So I talked to the office mgr who said if I paid upfront and agreed not to report the procedure to Blue Cross, that it would be $580.”

Of course, if you haven’t met your deductible, you may be paying full freight, even perhaps the chargemaster price. That’s right: insured people are paying the chargemaster price. Some of them might prefer to pay a lower, cash or self-pay rate. Here’s a blog post about that.

We heard of one insurance company whose online pricing tool explains the coinsurance for simple procedures: an MRI, for example, in our New York City backyard could cost $42.50 in coinsurance, or $253. Since under this particular plan the coinsurance is 10 percent, that also reveals the reimbursement rate by the insurance company. Here’s a blog post about that.

There are a number of reasons that people might be interested in the cash or self-pay price, including the question of whether their insurance premiums are giving them access to the highest rate, rather than the lowest, until they have met their deductible.

Has anybody ever done this before?

In reporting on this issue, we journalists from ClearHealthCosts have already partnered with public radio stations in San Francisco, Los Angeles, Philadelphia, Miami, Tampa-St. Petersburg and New York City  to build community-created databases of prices, and to do in-depth reporting on this issue. Click the links for examples. Also, here’s some of the coverage of the California partnership, including links to our Harvard Business Review/New England Journal of Medicine coverage, and our JAMA Internal Medicine coverage, as well as NPR and other coverage. Here’s the Philadelphia project page.

We have  collected cash or self-pay prices at ClearHealthCosts via a direct provider survey for several years. You can access them via the search box at the top of the front page.

That search tool also gives you the Medicare reimbursement rate for any one of the 7,800 procedures in the government’s Medicare reimbursement data set, in any U.S. locale.

Why are you doing this?

People should know what stuff costs.

If they know there is a range from $300 to $6,00 for an MRI, that is quite useful. These price disparities extend to other procedures as well.

Why can’t you include deductible and co-insurance information?

Insurers and providers have not supplied information on deductibles and co-insurance (though sometimes they have the ability to do that on their own websites). So we are working on a community-created database.

While having a perfect set of information is the goal, it is not attainable right now. Having some information is better than having no information.

We are working not to let the perfect be the enemy of the good.

Why can’t you include the contract or negotiated rate — what is paid by an insurer to a hospital or doctor or clinic for a service?

Those payment rates are not public. In many cases, they are hidden because of gag clauses in contracts between insurers and providers; in other cases, they’re regarded as trade secrets. In any case, they’re not available to us.

There are other transparency tools. How does yours differ?

 We are excited about all transparency efforts. We have some reservations about others’ methods.

First, some sites uses often-cited Medicare classifications. They include “Digestive system problems” or “fainting and collapsing,”  and other broad categories that are not things that people often search for. Other classifications are less general (“weight loss surgery” or “hip, knee or ankle replacement” but are still quite broad.

About our data: we give specific procedures, using the Current Procedural Terminology (CPT) and Healthcare Common Procedure Coding System (HCPCS) systems, which govern health care billing. For example: MRI of the lower back without dye or contrast, CPT code 72148. Similarly, Echocardiogram with doppler or sleep study (along with CPT code) and so on, making it easy to confirm that these are apples-to-apples price comparisons.

Second, the “average prices” approach is not one we favor. Some sites say their “fair” or “average” price will help people guard against high bills, but can you really go to a provider and ask for an “average” price?

We favor the approach of listing specific prices from specific providers, believing that gives individuals the best actionable information.

Thus, we give cash or self-pay rates as quoted to us by providers, augmented by individuals’ shared experiences and data reporting. We do not guarantee these prices will actually be what is charged — we urge people to confirm, calling ahead and taking the name of people who supply prices. We think that this approach of showing a range of prices at area providers gives a more actionable data set for real people making real decisions.

Third, some tools presents only hospital prices, not prices from non-hospital sources. So, for example, if an individual was seeking an MRI or an IUD, this would be of relatively little use. IUDs are not supplied by hospitals, and MRI prices are typically much higher at hospitals than they are at self-standing radiology centers.

In our data set, we are not limited to hospitals, but also take in other providers, knowing that people get medical care at a range of places.

Fourth, in every case, we suggest that someone assessing transparency tools seek to understand clearly what the source of the information is, and who’s making money off of it, and how. For example, a “transparency” site that is connecting patients to specific providers is, in all likelihood, taking a commission for making that connection. Does that mean the data can be affected by the desire to steer the patient to a specific provider or providers? Well, yes.

Tell me again where your data comes from.

We collect prices by several means, using a several-step process designed and then refined to find accredited providers across a range of facilities: hospital, self-standing radiology center, individual physician, clinics, chains and the like, in various locales (city locations, different neighborhoods, suburban towns, etc.)

Some prices we collect by provider interviews as part of this survey, and some from price lists posted publicly, some from individuals and some are sent to us directly by from providers.

Prices we collect in our provider interviews are flagged in orange, with a note that they are from a PriceCheck journalist. Prices sent in by our community members are in blue, with a note that they are from a community member. Prices in green are sent to us by providers, separately from our survey.

In our price survey interviews, we identify ourselves as being from a new independent consumer health-care research organization, and ask for a cash or self-pay price for these procedures. We invite detail about discounts, mandatory consultation or referral visits, and other things we might want to know. We seek to use a HCPCS (Healthcare Common Procedure Coding System) number when valid. We also use other standardized data-collection methods.

I like your data. Can I use it?

Our data is governed by a Creative Commons license specifying the terms under which it may be used. See those terms here.

We also have an API giving access to the data; to learn more, go to our API access page here.

Questions, suggestions? We’re reachable at info@clearhealthcosts.com. Want to partner? Email us at partner@clearhealthcosts.com.

O.K., I’m in. What did you want me to do again?

To contribute to or search our PriceCheck database, click here to go to the page displaying the form for entering and searching the data.

If you have lots of prices to contribute, you can download our handy spreadsheet on this page.

I have a suggestion/question/comment that you didn’t address here.

Please put it in the interactive form, or email to info@clearhealthcosts.com.