Information, not advice.

K.Actuary is the brand of KActuary, Inc., a Delaware corporation ("K.Actuary," "we," "us"). These terms apply when you use kactuary.com and the K.Actuary web app. Using the site means you agree to them. Contact: [email protected]

• Claim help. We help you understand insurance claims, bills and Explanations of Benefits: what was billed, allowed and paid, what you may owe, which papers you may need, and which deadlines may apply. If you choose, you can send us a question or upload a letter, EOB or bill, and we email you an answer after a person on our team reviews it.
• Price information. We show insurance prices recomputed from public insurance rate filings for some lines (pet, travel, auto, Medigap, dental, vision).

K.Actuary is an information tool. We are not an insurance company, insurance agent or broker, law firm, or licensed public adjuster.

• We do not file, appeal, negotiate or settle claims for you, and we do not contact insurers, Medicare, health plans or providers on your behalf.
• We do not give legal, medical, tax or financial advice.
• We do not sell, solicit or negotiate insurance, and we do not recommend insurance products.

You decide what to do. If you send a form or a letter, you send it yourself.

• There is no password to make. Before you send a question or upload a file, we email you a 6-digit code to confirm your address. Keep your email account secure.
• You must be at least 18 to send a question or upload a file.
• Send only your own papers and questions, unless you are legally authorized to act for the other person.

• Nothing is sent by default. We get a question only when you confirm your email and send it. We get files only when you tick the box that lets us read them and upload them.
• You can skip both and still use the rest of K.Actuary.
• Uploads: up to 3 files at a time, photos or PDFs, up to 10 MB each. Files are stored privately in the United States and deleted 180 days after your last contact with us, and you can delete them right after uploading with "delete now".
• A person on our team reviews answers before they are emailed to you. If an answer could help others, we may publish it; the published question is reworded by our team and carries no personal information.
• We never ask for the username or password for your insurer, health plan, Medicare or patient portal account. Never type them into K.Actuary.
• We use what you send only as our Privacy Policy describes.

Medicare rules on this site come from Medicare's own public publications, and we name the source where we can. K.Actuary is not endorsed or certified by the Centers for Medicare & Medicaid Services or the U.S. Department of Health and Human Services.

Nothing in these terms reduces the protections in our Privacy Policy. If anything here seems to conflict with the Privacy Policy, the Privacy Policy controls.

• We will not sell your data.
• We will not use your health data for advertising or marketing.
• We will not share your health data with anyone outside K.Actuary without your specific, explicit consent, given on a screen that names who receives it and what is sent.
• If a security incident affects your health information, we will tell you as the Privacy Policy describes, including under the FTC Health Breach Notification Rule.

• Delete an upload right after you send it with "delete now" on the upload page.
• Delete your questions, uploads and confirmed email address at any time by emailing [email protected]. We delete them as the Privacy Policy describes and confirm when it is done.

Explanations come from your records and from public rules and documents; we show the source where we can. They are general information and may contain mistakes. Check important points with Medicare, your plan, your insurer, or a professional you choose.

Prices are recomputed from public insurance rate filings. Some prices are compared with live insurer quotes and marked verified; others are recomputed from the filing and marked calculated, not yet compared with a live quote. Filings change and insurers may apply factors outside a filing. Prices may differ from the price an insurer offers. Prices are not an offer to sell insurance; decide on coverage with the insurer, and a licensed professional where appropriate.

Don't use automated tools to copy the site or its data at scale, interfere with its operation, access another person's data without authority, or use it for any unlawful purpose. For data access, contact us.

Links to insurers, regulators and data sources are provided for convenience. When you follow a link to another site, that site's own terms and privacy policy apply on its pages. We aren't responsible for their content or practices.

We may change or stop a feature. If we stop a feature that holds what you sent us, we will delete it as the Privacy Policy describes.

The site and its information are provided "as is", without warranty of any kind. To the fullest extent permitted by law, K.Actuary is not liable for any indirect or consequential loss arising from use of the site or reliance on its information. Nothing in this section limits any right you have under our Privacy Policy or under law.

These terms are governed by the laws of the State of Delaware and applicable U.S. federal law.

We may update these terms; the date at the top shows the latest version. Before a change that affects what you sent us takes effect, we will post it on this page and explain what changed and how to delete what you sent us if you do not agree.

KActuary, Inc. (Delaware) · [email protected]

Last updated November 11, 2026.