Rates Chaser Editorial Guidelines

Editorial Policy: Our Research & Rating Methodology

We take our role as an information provider seriously. Every review on Rates Chaser undergoes a multi-step verification process:

• Real-World Data: We don’t just copy-paste plan details. We analyze real policy documents, claim waiting periods, and exclusions that most sites skip over.

• The “Hours” Rule: Every “Best of” guide on our site represents a minimum of 20+ hours of research into the current product offerings and landscape.

• Proprietary Value Scoring: We rate providers based on five key pillars:

  1. Coverage Breadth:  Are there limitations to opening a new account or accessing coverage?

  2. Provider Interactions: Speed of reimbursement, claim rejection rates, ease of new account opening, etc.

  3. Customer Satisfaction: Aggregate data from BBB and actual policyholders.

  4. Pricing Stability: Historical data on how much premiums increase, or how often rates fluctuate.

  5. Ease of Use: Mobile app quality, claim-filing process, and customer support capabilities.

Editorial Independence & Fact-Checking

Our reviews are independent. While we may earn a commission if you sign up for a plan through our links, this never influences our ratings.

• Fact-Checking: All financial data (deductibles, annual limits, premiums) is checked monthly for accuracy.

• Originality: Every “Top Pick” is selected by a human expert based on current market data.

Questions? Contact us at [email protected].