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Terms of Service

Last updated: April 18, 2026 · Draft pending legal review

These Terms of Service ("Terms") govern your use of CareCost Estimate, an informational decision-support tool for healthcare providers ("the Service"). By creating an account, clicking "I acknowledge" on a disclosure dialog, or otherwise using the Service, you agree to these Terms.

1. Service Description

CareCost Estimate is an informational reference for healthcare providers. The Service provides tools to:

  • Look up publicly available CMS Average Sales Price (ASP) data for Part B drugs
  • Estimate drug and administration costs under a given set of benefit assumptions
  • Surface manufacturer- and foundation-sponsored patient assistance programs
  • Generate printable cost estimate documents for clinical and administrative use

The Service is intended solely to display existing medical information, publicly-reported pricing data, and recommendations that a qualified healthcare professional can independently review before acting. It is not intended to replace clinical or billing judgment.

2. Informational Estimates Only — Not Advice

The Service does not provide medical, reimbursement, coding, billing, or legal advice. All outputs are estimates based on data available at the time of the query, including CMS-published ASP pricing, the CMS NDC-HCPCS crosswalk, openFDA drug listing data, payer-published fee schedules, Medicare Advantage and commercial contract data where made available, and manufacturer- or foundation-published patient assistance program terms.

Estimates are not a guarantee, promise, or statement of:

  • Coverage determination by any health plan or payer
  • Payment amount, reimbursement, or final adjudicated claim value
  • Approval of prior authorization, step therapy, or medical necessity review
  • Eligibility for any patient assistance, copay, or foundation program
  • Current availability of any drug, indication, or billing code

The Service does not include all possible or required billing and coding options for any drug listed. Actual patient costs and provider reimbursement may differ substantially due to payer-specific contracts, formulary and coverage decisions, claim adjudication variations, coordination of benefits, retroactive benefit changes, patient eligibility changes, and other factors outside of the Service's knowledge.

It is the sole responsibility of the healthcare provider to refer to, verify, and comply with payer-specific policies regarding coding, coverage, prior authorization, and billing before submitting any claim or counseling any patient on expected out-of-pocket cost.

3. Clinical Decision Support — Provider Independent Review

The Service is designed to meet the criteria of a non-device clinical decision support ("CDS") software function under Section 520(o)(1)(E) of the Federal Food, Drug, and Cosmetic Act, as amended by the 21st Century Cures Act. Specifically, the Service:

  • Displays existing medical and pricing information normally available to and used by healthcare professionals;
  • Provides recommendations and options to a healthcare professional rather than a directive;
  • Enables the healthcare professional to independently review the basis for any recommendation.

Our Methodology and Data Sources page describes, in plain language, the inputs, data sources, calculation logic, update cadence, and known limitations of the Service. Users are expected to consult the Methodology page before relying on any output.

4. CMS Data Attribution

Pricing estimates in this Service are derived, in part, from public CMS data including the Medicare Part B Average Sales Price (ASP) Pricing Files and the NDC-HCPCS Crosswalk, updated quarterly. The absence or presence of a HCPCS code, NDC, or payment limit in CMS data does not indicate whether Medicare or any other payer covers a particular product, and products not listed may still be reimbursable under applicable payer policy. CMS disclaims responsibility for any liability attributable to end-user use of this data and is not a party to these Terms.

5. Account Responsibilities

  • You are responsible for maintaining the security of your account credentials.
  • You must provide accurate practice information, including NPI where required.
  • You must not share your account with unauthorized individuals.
  • Your practice administrator is responsible for managing team member access.
  • You are responsible for all activity performed under your account.

6. Acceptable Use

You agree not to:

  • Use the Service for any unlawful purpose or in violation of any payer agreement;
  • Submit claims based on Service output without independent verification of payer policy;
  • Attempt to access another practice's data or account;
  • Reverse-engineer, decompile, scrape, or redistribute the Service's pricing databases, drug data, or underlying code;
  • Submit false or fraudulent eligibility, benefit, or billing queries;
  • Exceed your plan's usage limits through automated or bulk queries;
  • Use the Service to provide medical, billing, or legal advice to third parties on a resale or white-label basis without an express written license from CareCost.

7. Subscription and Billing

  • Free trials last 30 days with Starter-tier access.
  • Paid subscriptions are billed monthly via Stripe.
  • You may upgrade, downgrade, or cancel at any time.
  • Downgrades take effect at the next billing cycle.
  • No refunds are issued for partial months unless required by law.

8. Data and Privacy

Our handling of your data is governed by our Privacy Policy. Key points:

  • The Service is not intended to receive, store, or transmit Protected Health Information (PHI) in the form of patient identifiers. Inputs are limited to drug, dose, weight, insurance type, and benefit parameters.
  • Where PHI is inadvertently submitted, CareCost applies the same safeguards described in our HIPAA Compliance page.
  • Practice data is isolated via database row-level security.
  • CareCost does not presently offer a Business Associate Agreement (BAA) by default. Customers with BAA requirements should contact legal@carecostestimate.com before using the Service to process PHI.

9. "AS IS" Warranty Disclaimer

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITH ALL FAULTS AND WITHOUT WARRANTY OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE. CARECOST EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, QUIET ENJOYMENT, ACCURACY, AND NON-INFRINGEMENT.

CARECOST MAKES NO WARRANTY THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, COMPLETE, CURRENT, OR FREE OF HARMFUL COMPONENTS, OR THAT ANY OUTPUT OF THE SERVICE WILL BE ACCURATE OR RELIABLE.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL CARECOST, ITS AFFILIATES, OFFICERS, EMPLOYEES, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOST PROFITS, LOST REVENUE, LOST REIMBURSEMENT, DENIED CLAIMS, COVERAGE DETERMINATION ERRORS, OR COST-ESTIMATE DISCREPANCIES, WHETHER OR NOT CARECOST HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

CARECOST'S TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNTS PAID BY YOU TO CARECOST UNDER THESE TERMS IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO LIABILITY, OR (B) ONE HUNDRED UNITED STATES DOLLARS (USD $100). [Cap amount pending legal review.]

11. Indemnification

You agree to defend, indemnify, and hold harmless CareCost, its affiliates, officers, directors, employees, agents, and licensors from and against any and all claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or in any way connected with: (a) your access to or use of the Service; (b) your submission of any claim, prior authorization, or patient communication based on Service output; (c) your violation of these Terms; (d) your violation of any third-party right, including any payer policy or federal or state law; or (e) any dispute between you and a patient, payer, or other third party.

12. Availability and Support

We aim for high availability but do not guarantee uninterrupted service. Planned maintenance will be communicated in advance where practical. Enterprise customers receive priority support.

13. Termination

We may suspend or terminate your account if you violate these Terms or if required by applicable law. You may cancel your account at any time through Settings or by contacting us. Upon termination, your data will be retained for 30 days and then permanently deleted, except where retention is required by law or for tax, audit, or dispute-resolution purposes.

14. Changes to These Terms

We may update these Terms from time to time. Material changes will be communicated via email and a re-acknowledgement dialog shown on next login. Continued use of the Service after changes take effect constitutes acceptance of the updated Terms.

15. Governing Law and Dispute Resolution

[This section is pending legal review. Expected content: choice of law, exclusive venue, waiver of jury trial, and binding individual arbitration with class-action waiver, subject to applicable law. Users will be re-prompted to accept updated Terms when this section is finalized.]

16. Entire Agreement and Severability

These Terms, together with our Privacy Policy, HIPAA Compliance notice, and Methodology, constitute the entire agreement between you and CareCost regarding the Service and supersede all prior agreements. If any provision of these Terms is held unenforceable, the remaining provisions will remain in full force and effect.

17. Contact

For questions about these Terms, contact us at legal@carecostestimate.com.

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CareCost Estimate is an informational reference for healthcare providers. Outputs are estimates only and are not a guarantee of coverage, payment, or reimbursement. Providers are responsible for verifying coding and coverage with the applicable payer.
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