Editorial standards
How We Research, Update, and Correct Insurance Information
Insurance decisions can affect access to care and household finances. This page explains how Insure With Mercy prepares educational content, identifies authors, handles updates and translations, and responds when something needs correction.
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We start with primary sources
For rules, dates, definitions, and program requirements, we prefer the government agency or official program responsible for the information. Plan-specific claims should come from current carrier documents, provider directories, formularies, or policy materials.
Examples of sources we use
A link is not a substitute for checking the current rule. Insurance rules, deadlines, plan availability, provider networks, formularies, and benefits can change.
Authorship and professional experience
An article may identify Mercy Makarevich or the Insure With Mercy team as its author. A named author describes who prepared the page; it does not mean every page on the site received a separate review by Mercy.
- Pages attributed to Mercy connect to her published professional profile.
- The licenses page publishes Mercy’s National Producer Number and the states in which she reports being licensed.
- Team-authored pages are attributed to the organization rather than assigning them to an individual.
- We do not add a reviewer, credential, or endorsement unless that review or relationship actually occurred.
How we handle updates
We revise a page when a material rule, deadline, source, tool method, or explanation changes. Articles can display publication and modification dates in page metadata. A recent date means the page was changed; it does not guarantee that every linked plan document or external page remains unchanged.
- Dated rules should identify the applicable plan year or time period.
- Material updates should change the modification date.
- Broken or superseded official sources should be replaced when identified.
- Evergreen explanations are reviewed when a related rule or product changes.
English and Spanish content
Spanish pages are written for Spanish-speaking visitors in the United States. A localized page should preserve the material meaning, cautions, and next steps of its English counterpart, but it does not need to be a word-for-word translation. Some Spanish resources address a distinct search question and may not have an English equivalent.
How to request a correction
If you find an inaccurate statement, outdated source, translation problem, broken link, or unclear disclosure, please contact us. Include the page URL, the passage in question, why it may be incorrect, and an authoritative source when available.
- 1We review the page and the cited or applicable primary source.
- 2If a material error is confirmed, we update or remove the statement and revise the modification date when appropriate.
- 3If the issue depends on a person’s eligibility, policy, or location, we may clarify the limitation instead of presenting one answer as universal.
- 4We do not promise a particular outcome or response time before reviewing the facts.
What this website cannot determine
The site provides general education and comparison support. It does not make eligibility decisions, issue policies, guarantee savings, confirm that a provider is in network, or replace the current contract and official determination.
- The Marketplace or government program makes applicable eligibility determinations.
- The issuing carrier controls policy terms, covered benefits, networks, formularies, underwriting, and claims.
- Provider participation should be confirmed for the exact plan and location before enrollment and again before receiving care.
- Calculators and worksheets use the information entered by the visitor and disclose their assumptions and limits.
- Content is not legal, tax, or medical advice.
Commercial and privacy disclosures
Insure With Mercy is an insurance brokerage, not a government agency or insurance carrier. The terms explain the brokerage relationship and compensation disclosure. The privacy policy explains how information submitted through the site may be collected and used.
Our standard
A page should help a visitor make a safer, clearer decision. We favor specific questions, official sources, practical comparison steps, and honest limits over unsupported claims or unnecessary volume.