1. Service Description

The CodeX Insurance Analyst ("Service") is a tool designed to help analyze potential insurance coverage under Stanford University's Cardinal Care student plan. This Service provides preliminary guidance only and should not be considered definitive or binding.

2. Scope and Limitations

2.1 Coverage Period

• The Service is current to Stanford University Cardinal Care policy year 2024-2025 only
• Analysis may not apply to coverage periods outside this timeframe

2.2. Coverage Analysis Scope  

• Currently models primary coverage conditions of Cardinal Care
• Analyzes only a subset of Eligible Health Services
• Does not include comprehensive encodings of all Cardinal Care benefits
• Limited to primary Cardinal Care insurees (e.g. students who have paid for and are active policyholders) only
• Does not apply to dependent coverage

2.3. Analysis Limitations

• Indicates existence of coverage, but not the specific amount covered
• Does not account for:

• Specific service variations
• Prior claims history
• Coordination with other insurance
• Individual deductible status
• Out-of-pocket maximum status

3. No Guarantee of Coverage

3.1. Results provided by the Service:

• Are informational only
• Do not guarantee coverage or payment
• Do not constitute pre-authorization or approval
• Should not be considered binding on any party

4. Information Sources

The Service's computational analysis is based on policy documents alone, specifically:

• Publicly available Cardinal Care coverage documents
• Aetna's Clinical Policy Bulletins
• Applicable government guidelines

5. No Affiliation

5.1. This Service is not affiliated with, endorsed by, or connected to:

• Aetna Student Health
• Vaden Health Center
• Stanford University
• Any insurance provider or healthcare facility

6. User Responsibilities

By accepting this Terms of Service, users agree to:

• Verify coverage details with Aetna Student Health directly
• Review official plan documents for complete information
• Not rely solely on the Service for coverage decisions

7. Disclaimer of Warranty

THE SERVICE IS PROVIDED "AS IS" WITHOUT ANY WARRANTY OF ANY KIND. ALL EXPRESS OR IMPLIED CONDITIONS, REPRESENTATIONS, AND WARRANTIES ARE DISCLAIMED.

8. For Comprehensive Coverage Information

For definitive coverage information:

• Consult plan documents at Members | Aetna Student Health
• Review the full plan summary at www.aetnastudenthealth.com/schools/stanfordu/pdbs2425.pdf
• Contact Aetna Student Health directly

9. Changes to Service

We reserve the right to:

• Modify the Service at any time
• Update the model and analysis parameters
• Change these Terms of Service as needed

10. Acceptance

Use of the Service constitutes acceptance of these Terms of Service and acknowledgment of its limitations.