Editorial Process & Insurance Disclosure

Medicare information is YMYL — Your Money or Your Life. The accuracy bar is higher than for ordinary content, and so are the consequences of getting it wrong. This page documents how we source, review, update, and disclose the information on Policy65.

Sources we use

The primary documents we cite, in priority order:

1. Medicare.gov — the official consumer-facing site of the federal Medicare program
2. CMS.gov — official Medicare program rules, regulations, payment guidance, and policy memos
3. FDA.gov — drug prescribing information, labeled indications, approval announcements
4. NAIC.org — National Association of Insurance Commissioners, source for Medigap rate filings and state insurance regulation
5. Federal Register — for proposed and final CMS rules, IRA implementation guidance
6. Peer-reviewed medical literature — for clinical context on drugs and treatments
7. KFF.org (Kaiser Family Foundation) — for Medicare policy analysis and aggregated data

Carrier-published content (UHC, Aetna, Humana, etc.) is sometimes referenced for plan-specific details but is never used as the primary source for coverage rules. We assume carriers are accurately reporting their own products but recognize they have a marketing interest in how that information is presented.

Reviewer credentials

Every coverage page (drugs and services) is reviewed by a licensed insurance professional before publication. The reviewer's name and National Producer Number (NPN) appear at the bottom of each page along with the last reviewed date.

Why an insurance reviewer specifically: Medicare coverage questions sit at the intersection of federal health policy and private insurance product design. A pharmacist or physician knows drug indications. A licensed agent knows formulary tiers, prior authorization workflows, plan design quirks, and what actually happens at the pharmacy counter. The right reviewer for "Does Medicare cover Ozempic?" is someone who has navigated this question with clients hundreds of times.

Current primary reviewer: A licensed insurance professional in good standing with their state insurance department. NPN posted on each page.

We expect to add additional reviewers as the site grows, including pharmacist and clinical reviewers for drug-specific content where indicated.

Update frequency

We update content based on three triggers:

• Annual review: Every coverage page is reviewed at minimum once per calendar year, typically in Q1 to capture changes in CMS premiums, deductibles, formulary tiers, and plan structures effective January 1.
• CMS guidance changes: When CMS issues new guidance affecting a coverage area (e.g., the March 2024 Wegovy memo), we update affected pages within 2 weeks of guidance publication.
• Reader-flagged issues: When a reader identifies an error or outdated information, we investigate and update within 5 business days for substantive changes.

The "last reviewed" date on each page reflects when the page was most recently audited for accuracy, not necessarily when it was first published.

Affiliate disclosure

Policy65 maintains affiliate relationships with several licensed insurance agencies and lead-generation platforms. When a reader clicks an affiliate link and requests a quote or purchases a policy, we may earn a commission. The current affiliate partners include licensed Medicare-focused brokerages and final-expense insurance comparison services.

What our affiliate relationships do not affect:

• Whether we publish content about a particular carrier or plan
• How we describe a particular carrier or plan
• The order in which carriers or plans are mentioned in editorial content
• Whether a particular carrier is recommended in an article

What our affiliate relationships do affect:

• Which licensed agent partner is presented in our "Compare plans" CTAs
• Whether a sponsored disclosure pill appears on an outbound CTA

Affiliate-monetized links are tagged with rel="sponsored" in HTML. Any sponsored content (rare on Policy65) is clearly labeled at the top of the article.

Editorial independence

No advertiser, affiliate partner, or commercial relationship has editorial influence over what we publish. The editorial team makes content decisions independently. If we receive a complaint or request from a commercial partner about specific editorial content, we evaluate it on the merits and only adjust the content if the complaint identifies a factual error or genuinely misleading framing — not because of commercial pressure.

If you suspect editorial influence has affected something we've published, please email us. We take this seriously.

Conflicts of interest

The editorial team and reviewers do not hold financial positions in specific health insurance companies that would create conflicts of interest. The licensed insurance reviewers may have client relationships with carriers in the ordinary course of their licensed work — this is standard for licensed agents — but these relationships are managed in accordance with state insurance regulation and do not influence editorial coverage of those carriers.

Disclaimers and what this site is not

Policy65 is an educational resource. We are not:

• A federal government agency or affiliated with the Medicare program
• An insurance broker or agency
• A financial advisor or financial planning service
• A medical professional or healthcare provider

The information on this site is for general education only. Coverage details change. Plan availability varies by ZIP code. Drug formularies update annually. Specific decisions about Medicare enrollment, plan selection, or medical care should be made in consultation with a licensed insurance agent, a financial advisor, your physician, or Medicare directly (1-800-MEDICARE).

Privacy

We collect minimal data. See our privacy policy for details. We do not sell, rent, or share reader information for marketing purposes. We do use Google Analytics for traffic analysis and Google AdSense for advertising, both of which involve some standard data collection covered in the privacy policy.

How to contact us about editorial concerns

For factual errors, outdated information, missing context, or general feedback on our editorial: email us via the contact form with "Editorial" in the subject. We aim to respond to editorial concerns within 3 business days and substantive corrections are typically published within 5 business days of confirmation.

Updates to this page

This editorial process page is updated when our practices change. The version date reflects the most recent update.

Last updated: May 9, 2026