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Disclosures

Last updated: April 27, 2026 · Version 1.2

Draft template. Review with qualified counsel before Credimed accepts paying customers, particularly the FTC and state UDAP-act requirements for claims about refund estimates and processing times.

1. What Credimed is

Credimed is a claim preparation and submission support service. We help US PPO members prepare and submit out-of-network reimbursement claims for dental work performed by licensed providers in Mexico.

We act as your limited claims representative, with your written authorization, solely for the purpose of preparing and submitting your claim based on the information you provide.

2. What Credimed is NOT

Names of insurers, clinics, or third parties are used solely for identification purposes and do not imply endorsement, sponsorship, or affiliation.

3. Refund estimates

The estimates shown on credimed.us are based on publicly available average PPO out-of-network allowed amounts and typical coinsurance ranges.

Estimates are illustrative only and do not constitute a guarantee, prediction, or warranty of reimbursement.

Actual reimbursement amounts are determined solely by your insurer and may vary significantly.

Your reimbursement may be higher or lower based on:

Past outcomes do not guarantee future results.

4. Money-back guarantee

Subject to the terms of the Service Agreement, Credimed offers a conditional refund of the service fee if:

Eligibility for refund is determined by Credimed in good faith based on claim data, insurer responses, and plan rules.

The guarantee applies only to the Credimed service fee and does not cover any portion of your dental expenses.

Full terms, conditions, and exclusions are set forth in the Service Agreement.

5. Processing time

"Filed within 24 hours" refers to the time between payment confirmation and transmission of the claim to the insurer.

This is a service target, not a guarantee.

Actual timing may vary due to:

Insurer processing times (typically 14–45 days for out-of-network claims) are outside Credimed's control.

6. Currency and exchange

Dental receipts may be issued in Mexican pesos (MXN). Credimed converts amounts to USD using the Bank of Mexico FIX rate on the date of service.

Insurers may apply different exchange rates, including internal rates or adjudication-date rates.

Credimed does not control the exchange rate applied by your insurer.

7. HIPAA

Credimed handles Protected Health Information (PHI) in accordance with the Health Insurance Portability and Accountability Act of 1996 (HIPAA).

Where applicable, Credimed acts as a Business Associate under executed Business Associate Agreements.

See our Notice of Privacy Practices for full details.

8. Cross-border services

Credimed does not provide, perform, evaluate, or recommend dental treatment.

We do not:

Patients are solely responsible for evaluating their chosen provider.

Dental services performed outside the United States are not subject to HIPAA until records are submitted to Credimed.

9. No professional advice

Credimed does not provide legal, tax, financial, or medical advice.

Tax treatment of insurance reimbursements depends on individual circumstances. Consult a qualified advisor.

10. Estimator data limitations

Our estimator uses aggregated historical data and public PPO benchmarks.

We do not guarantee:

Models may be updated periodically without notice.

11. State-specific compliance

Credimed operates as a claim preparation service.

Certain states regulate billing services, claims assistance, or similar activities differently.

Credimed monitors and complies with applicable requirements. Service availability and features may vary by jurisdiction.

12. Forward-looking statements

Marketing statements (e.g., "recover up to $1,500") reflect typical outcomes for certain users and are not guarantees.

Individual results vary based on plan terms, procedures, and insurer decisions.

13. Contact

Credimed, Inc.
Boston, MA

Legal inquiries: legal@credimed.us
General support: support@credimed.us
Refund disputes: disputes@credimed.us
Privacy / HIPAA: privacy@credimed.us

Mailing address: [TO BE PROVIDED]

Related: Privacy Policy · Terms of Service · Cookie Policy · HIPAA Notice · Contact

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