Editorial Standards

Articles are grounded in primary government sources: the Centers for Medicare & Medicaid Services (CMS.gov and data.cms.gov), the Federal Register, and the U.S. Census Bureau. Dollar figures — premiums, deductibles, out-of-pocket caps — come from a verified data table we update from CMS publications, not from the model's memory. New articles end with a Sources list restricted to those government sources; articles published before September 2026 carry the same verified figures without one. We do not cite aggregator or competitor broker sites.

Our articles are researched and drafted with AI assistance, working from the verified data above, and then screened automatically before publication: a compliance pass removes marketing language the Medicare rules prohibit, a mechanical check refuses corrupt or non-compliant drafts, and an editorial score has to clear a fixed bar. A draft that fails stays unpublished until a person looks at it. We say this plainly on every machine-drafted article because you deserve to know how the thing you are reading was made.

What our writing process is not allowed to do: invent client stories, claim personal experience it does not have, promise coverage or savings, or recommend a specific plan. Education, not recommendations — a plan decision should happen with a licensed person who knows your situation.

• IM65 Editorial Team — the article was produced by the process above. Responsibility for it rests with IM65 as an organization, not with any individual agent.
• Reviewed by a named person — a specific licensed agent personally read this article and stands behind it. The line carries that person's name and National Producer Number, and the date they read it. It is added only by that person, and it appears only while their listing on this site is live, so a name on an article is always a person you can look up.
• Featured advisor content — a licensed agent sponsored this article and it appears with their name and profile. These are always labeled, and the sponsoring agent is identified.

Our educational articles can lead you to speak with a licensed agent — so we treat blog content as insurance advertising under Florida law and hold it to the truthfulness that standard requires. Medicare-related pages carry the required disclaimer:

We do not offer every plan available in your area. Please contact Medicare.gov or 1-800-MEDICARE (1-800-633-4227), 24 hours a day/7 days a week, to get information on all of your options. TTY users should call 1-877-486-2048.

The articles at /medical-blog are a separate pillar with a separate rule. They are drafted with AI assistance in the same way, they carry no insurance-agent byline, and no clinician has reviewed them — so they say health education, not medical advice, and every one of them ends with a reminder to talk to your doctor. We will not put a "reviewed" stamp on a health article until a credentialed clinician has actually read it.

If you believe an article contains an error, tell us and we will check it against the primary source and fix it. Reach us through the contact page and include the article's address. Corrected articles are updated in place.

Questions about a specific plan or your own situation belong with a licensed advisor, not a blog post, and talking to one costs you nothing.