How verdicts are made

Every page on this site answers one question with one of three verdicts: usually covered, usually not covered, or it depends. Here's exactly where those answers come from.

Primary sources only

Verdicts are drafted against canonical primary sources: medicare.gov and CMS publications, IRS publications, healthcare.gov, state insurance regulators, the Insurance Information Institute, and insurers' own policy documents and help pages. We don't source verdicts from other coverage blogs or aggregators — if a claim can't be grounded in a primary source, it doesn't become a verdict.

Verified before publish

Drafting is AI-assisted; verification is the discipline. Before a page is published, every verdict is re-checked against its cited sources in a separate verification pass, independent of the pass that drafted it. Where a source doesn't clearly support a yes or no, the verdict is downgraded to “it depends” and the page says exactly what it depends on. Dead or unverifiable citations are replaced or removed.

Sources on every page

Every verdict page lists its sources at the bottom, with links, so you can check our work. Where the answer genuinely varies by state, the page says so instead of pretending one answer fits fifty markets.

Dated, and re-verified

Every page carries the date it was last verified against its sources — you'll see it at the top of each verdict. When coverage rules change or a reader flags an issue, the entry is re-verified against current sources and the date is updated.

The general case, then yours

A verdict describes what's typical — and lists the real conditions that flip it. The general answer is a starting point, not a determination, which is why every page ends the same way: check your actual policy. Nothing here is insurance, legal, tax, or medical advice; your policy's own language always controls.

Who's behind it

The site is built and overseen by Tom Kazarian, former VP at eHealth (NASDAQ: EHTH), where he spent over seven years leading content and the company's largest acquisition channel for Medicare.com and eHealthInsurance.com.

Corrections

If a verdict looks wrong, email hello@doesitcover.com with the page and what the source says. Corrections get priority: the page is re-verified, fixed if we got it wrong, and stamped with a fresh verified date.