Terms of Use

Effective November 10, 2026

Welcome to Did They Pay?, a public-service program operated by Enlightened Life Fellowship (ELF), a nonprofit organization. Did They Pay? is an ELF program, not an outside website merely sponsored by ELF. This independent healthcare payer review platform invites patients and healthcare professionals to describe experiences with private insurers, government healthcare programs and claims/payment contractors. ELF operates the platform, but reviews submitted by independent visitors are not findings or verified endorsements by ELF. By submitting content you agree to these rules; browsing publicly available content does not require registration.

What the site is and is not

Did They Pay? hosts anonymous, self-reported opinions and accounts. We do not individually verify every review, payer identity, professional credential, claim outcome or star rating. Reviews are not official claims-payment statistics, formal findings, or evidence that every customer has the same experience. We are not affiliated with listed insurers, government agencies or administrators, and we do not provide medical, insurance, financial or legal advice.

Submitting reviews and payer listings

• Share your own experience or information you have a legitimate basis to report. Describe denials, approvals, delays, reimbursements, appeals and administrative barriers accurately.
• Do not impersonate another person, fabricate an experience, threaten or harass people, submit spam, manipulate ratings through automated or duplicate submissions, or knowingly post unlawful content.
• Do not submit patient-identifying details, medical records, policy/member IDs, claim numbers, credentials, personal contact information or other confidential information. Healthcare professionals are responsible for complying with applicable privacy and professional obligations.
• When adding a government payer or contractor, identify the organization responsible for the decision or payment when possible; the government program and its contractor may be separate entities.
• Both positive and negative experiences are welcome. No insurer or contractor may buy favorable placement or a higher rating.

Automatic publication and safety checks

Reviews and payer suggestions may publish automatically without human preapproval. Basic spam, rate-limit, duplicate and sensitive-information filters may reject or restrict submissions, but they cannot guarantee that all false, abusive or private information will be caught. We may later edit, restrict, remove or preserve content when warranted by privacy, security, legal or platform-integrity concerns. Reporting a review does not by itself prove that the review is false or require automatic removal.

Independent reviewers, not platform endorsements

Reviews, star ratings, claim-outcome selections and reviewer roles are submitted by independent visitors. They reflect the submitter’s account or opinion, not a finding, recommendation or factual certification by Did They Pay? or Enlightened Life Fellowship. Showing, organizing, filtering or aggregating third-party submissions does not mean we agree with them. We do not routinely verify the identity, professional credentials or firsthand experience of anonymous reviewers. Articles and other statements authored by the site are separate from user reviews and remain the site’s responsibility.

Accuracy, fair criticism and conflicts of interest

You may describe positive or negative firsthand experiences and express honestly held opinions. State the facts as accurately as you can, distinguish what you know from what you suspect, and avoid unsupported assertions that a person or organization committed fraud, a crime or professional misconduct. Do not post fabricated accusations, misleading impersonations, coordinated rating manipulation or content intended to harass. If you have a material relationship or incentive connected to a payer or a review, disclose it in a way that does not expose confidential patient information. We do not sell ratings or accept payment to change review sentiment.

Directory listings and removal requests

Directory profiles identify organizations involved in coverage decisions, claim administration, authorization, or payment. A listing is not an endorsement, finding of wrongdoing, or statement of a particular denial rate. Organizations may ask us to correct factual details or reconsider a listing through the review and listing dispute form. An objection does not automatically justify removal of accurate information or lawful criticism.

Complaints, moderation and legal process

Designated routine dispute channel. A payer or authorized representative seeking voluntary editorial review should use the review and listing dispute form and accept its required acknowledgment. Routine emails, calls, or letters do not replace that website process. This rule does not condition legally effective service of process, subpoenas, court orders, statutory notices, copyright claims, or urgent privacy and safety reports. See Legal Notices & Formal Process. Submitting a dispute does not require us to suppress lawful criticism.

Our current review workflow generally uses automated validation and privacy/spam screening without routine human preapproval. Those safeguards cannot detect every false statement, identity clue or unlawful submission. For urgent privacy concerns, use the reporting form and do not include private medical information in the report.

Reviewer confidentiality and urgent safety reporting

ELF protects lawful, independent criticism and does not voluntarily identify anonymous reviewers to insurers merely because they object to a review. The platform does not require public reviewers to provide a legal name, email address, employer, or professional license number. We limit routine collection of identifying information but cannot promise absolute anonymity or immunity from valid legal process. A subpoena or other compulsory request for unpublished reviewer information is subject to legal review, and ELF may challenge requests that are improper or overbroad when legally justified; disclosure required by law cannot be categorically refused. A separate, limited privacy and safety alert on the reporting page is available to identify exposed patient information, identifying personal details, impersonation, or credible safety threats. This narrow safety alert requests only the affected page URL and risk category, is stored privately, and does not require a broad correspondence-publication license. It does not permit insurers to bypass the required agreement for ordinary rating objections, takedown requests, or legal intimidation; it does not automatically suppress a review. Urgent alerts are reviewed according to available staffing and applicable law, not monitored continuously, and are never automatically included in a public transparency archive. Material involving patient identities or private medical information is treated as a safety issue rather than content to be publicized.

Required Dispute Channels and Public Disclosure of Correspondence

Did They Pay?, operated by Enlightened Life Fellowship (ELF), allows insurers, government payers, administrators, contractors, and authorized representatives to dispute a published review or listing through the designated private dispute form. The request may identify a claimed inaccuracy or ask for voluntary editorial reconsideration. Submitting it does not guarantee that lawful criticism or an accurate listing will be changed or removed. Statutory notices, court proceedings, and urgent privacy/safety concerns follow their separate applicable procedures.

All correspondence about a dispute concerning Did They Pay? is subject to potential public reporting and disclosure, whether it is submitted through the designated channel or delivered elsewhere. This includes ordinary correction requests, objections, demands to remove reviews or listings, email exchanges, letters, attorney correspondence, cease-and-desist communications, threatened litigation, lawful lawsuits, court filings, and associated responses and follow-ups. This transparency policy applies regardless of whether a communication or legal action is legitimate, justified, unjustified, successful, unsuccessful, conciliatory, threatening, or alleged to constitute intimidation. ELF does not need to establish intimidation or misconduct before considering a dispute or its correspondence for lawful public reporting.

ELF reserves the right to identify the organizations and representatives involved; accurately describe the existence, substance, circumstances, chronology, claims, requests, actions, legal developments, and outcomes of disputes; and, to the extent legally permissible, quote, reproduce, or publish related correspondence and documents in part or in full through Did They Pay?, ELF publications, newsletters, public statements, or a transparency archive. Submission of a dispute, delivery of a legal demand, or initiation of litigation does not create a promise or expectation of confidentiality. Public disclosure is discretionary and may occur without additional notice or approval where lawful, subject to applicable patient privacy, confidentiality, copyright, privilege, sealed-record, recording, court-order, and other legal restrictions. Disputed assertions will not be presented as verified facts merely because ELF received or reported them.

Enlightened Life Fellowship (ELF) reserves the right, when legally permissible, to quote a single sentence or selected passages, or publish an entire covered communication, attachment or correspondence exchange verbatim, in part or in full, including lawful document copies or images. ELF may identify the organization involved, provide context and commentary, publish accurate summaries and timelines, and report legal developments through DidTheyPay.org, its blog, newsletters, public statements or other ELF publications. Telephone conversations may be described using accurate notes or summaries; audio or verbatim transcripts may be published only when lawfully obtained and disclosed.

Required affirmative agreement; records and lawful publication. The ordinary dispute form displays a required correspondence and publication-rights acknowledgment before submission. By checking that acknowledgment and submitting, the sender agrees to the retention and lawful uses of their submitted material stated there. To the extent the sender owns or has authority to license the relevant rights, the agreement grants ELF a worldwide, perpetual, nonexclusive, royalty-free license to quote, reproduce, distribute, display, report on, and archive covered material as stated in the accepted terms and as permitted by law. ELF may retain lawfully received records, but receiving a copy does not itself transfer the underlying copyright or bind non-consenting third parties. Later related correspondence can be retained and lawfully reported, subject to applicable privacy, copyright, confidentiality, privilege, trademark, court-order, recording, and other restrictions. Publication is discretionary, not automatic. Legal notices and urgent privacy/safety communications are not conditioned on this agreement.

Communications outside the routine form. Emails, letters, calls, attorney demands, and other communications outside the designated dispute form do not automatically become accepted requests for voluntary editorial reconsideration or oblige ELF to remove accurate listings or lawful criticism. ELF may retain records it lawfully receives and may describe or quote material where independently permitted by law. An accepted form agreement governs only rights its signer could lawfully grant; receiving unrelated correspondence does not transfer underlying copyright. This provision does not invalidate effective legal process or limit urgent patient privacy and safety reporting. See Legal Notices & Formal Process.

Publication is discretionary, not automatic. Both ordinary complaints and separate urgent safety alerts submitted through our reporting page are received privately; raw submissions, personal contact details, patient-identifying information and confidential records are not automatically published. Every proposed disclosure is evaluated for accuracy, fairness, privacy, medical confidentiality, privilege, copyright, binding confidentiality duties, recording laws, court orders and other applicable restrictions. A legitimate correction request, privacy concern or legal claim is not automatically characterized as censorship or intimidation. Material selected for publication may remain in an ELF-maintained public transparency archive indefinitely, potentially permanently, subject to applicable law and warranted corrections or removal. This is a public record maintained by the program, not necessarily an official government or court record. Potential publication is not used to pressure anyone to abandon a legal right.

If you attempt to silence us, we will only get louder.

Vigorous legal defense and remedies

As the nonprofit church operating Did They Pay?, Enlightened Life Fellowship reserves the right to vigorously defend its program and affirmatively pursue legal action against actionable intimidation, unlawful coercion, harassment, retaliation, abuse of legal process or other unlawful interference with its public-service work. Where the facts and law support a claim, ELF may initiate lawsuits or counterclaims and seek available compensatory or statutory damages, punitive damages where authorized, injunctive relief, and attorney fees and costs where recoverable. Even an unsuccessful attempt to interfere unlawfully may have legal consequences if the conduct satisfies the requirements of an actionable claim and recoverable harm where required.

Good-faith correction requests, privacy complaints, cease-and-desist letters and lawful lawsuits are not, by themselves, unlawful intimidation or grounds for damages. ELF assesses each matter individually and may report related developments under the public transparency policy above, subject to its safeguards. This provision preserves legal rights and remedies; it does not create new claims, impose automatic penalties or guarantee an outcome.

Your content

You retain rights you hold in the material you submit. You grant Did They Pay? a nonexclusive permission to host, display, format, organize and distribute that submission as part of the directory and its ordinary search and review features. Do not submit content you lack the right to share. Public content may also be copied or indexed by third parties beyond our control.

Corrections and reports

Payers and representatives requesting voluntary review reconsideration, factual correction, or listing removal should use the review and listing dispute form. For exposed patient information or safety issues, use the private safety alert. Other site reports may use the routine reporting form. Legally effective formal notices follow Legal Notices & Formal Process. Supply the relevant URL without confidential health information. No particular response or resolution time is guaranteed.

Availability and changes

We aim to keep the directory available but do not guarantee uninterrupted access, perfect accuracy, or continued publication of any submission. Features and these terms may change; continued use after revised terms are posted is subject to applicable law. Nothing here limits rights that cannot legally be waived.

See our Privacy Policy and Review Guidelines for additional information.