{"meta":{"key":"d012--correction-02","task":"D012","title":"Medical, dental and long-term care debt: source and provenance correction","parent_title":"Medical dental and long term care debt","edition":"correction-02","path":"/research/d012--correction-02/","kind":"correction","category":"subject","role":"foundation","area_numbers":[16],"groups":["debt-types"],"date":"2026-10-23","tables":6,"claims":9,"sources":23,"review_status":"original_and_remaining_required_medical_work_open","review_complete":true,"sha256":"80ea12c3c0422b50f3ac96cf802b32e41e45e9bf99236e08513488349045b8c5","headings":["1. Evidence and provenance controls","2. Corrected source register — original IDs preserved","2.1 Sources opened and read","2.2 Remaining missing-URL source records","3. Judicial evidence register — S042 through S046","Corrected judicial synthesis","4. Replacement claim register","Publication replacement — C024","Can a nursing home hold an adult child responsible for a parent's bill?","Publication replacement — C008","What does it cost to dispute a medical bill through federal patient-provider dispute resolution?","5. Coverage correction table","6. Plain-text worked examples","Example 1 — PPDR eligibility and fee","Example 2 — nursing-home representative liability","7. Residual publication holds","8. Researcher self-check and final disposition"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"D012/correction-02","facets":{"geography":["us"],"debt_type":["medical","dental"],"stage":[],"subject":["medical-assistance","employment-care-benefits","research-quality"]},"scope":"","pending_corrections":0},"markdown":"# SettleADebt.com — D012 Correction-02\n\nTargeted evidence supplement | A016 Medical, dental and long-term care debt | Baseline and access date: October 22, 2026 (America/Los_Angeles)\n\nDisposition: Partially resolved, with explicit publication holds.\n\nThis supplement preserves the original D012 source and claim IDs, addresses the missing source URLs, and corrects the nursing-facility legal analysis. It does not approve the remaining medical-debt claims.\n\nThe most important legal distinction remains:\n\nA covered nursing facility cannot require an admission-conditioned third-party payment guarantee, but that prohibition does not automatically eliminate every independently enforceable obligation of a resident representative.\n\nThe distinction is supported by 42 CFR § 483.15(a)(3) and illustrated by the New York appellate decision in Wedgewood Care Center v. Kravitz. The Ohio decision in Village at the Greene v. Smith illustrates a significant limitation on attempts to repackage a prohibited personal guarantee as a breach-of-contract claim. ecfr.gov+2\n\n## 1. Evidence and provenance controls\n\nThe research in this response was conducted in regular chat using public-source browsing, not the Deep Research app. The session identifies the model as GPT-6; I cannot independently certify a Pro entitlement or a particular user-selected thinking-effort setting.\n\nFor this supplement, evidence is classified as:\n\n- Opened/read: The actual source page was retrieved and its relevant text inspected.\n- Located, limited verification: The source was identified, but its full text, current applicability, or subsequent history was not fully established.\n- Unresolved: The requested evidence was not retrieved sufficiently to support a publication-ready assertion.\n\nThe date of a webpage update is not treated as the effective date of a statute, regulation, or court judgment.\n\n## 2. Corrected source register — original IDs preserved\n\nAll URLs below are literal source URLs. Access status refers to this October 22, 2026 research pass, not the access claims in the original D012 report.\n\n### 2.1 Sources opened and read\n\n| ID | Issuer, source, URL and exact pinpoint | Status and scope | Access and disposition |\n| --- | --- | --- | --- |\n| S002 | IRS, Financial assistance policy and emergency medical care policy — Section 501(r)(4). [https://www.irs.gov/charities-non-profits/financial-assistance-policy-and-emergency-medical-care-policy-section-501r4](https://www.irs.gov/charities-non-profits/financial-assistance-policy-and-emergency-medical-care-policy-section-501r4?utm_source=chatgpt.com) — “Financial assistance policy,” eligibility and provider-list paragraphs. | Current federal agency explanation of nonprofit hospital requirements; facility-by-facility scope. | Opened/read. Coordinator URL correction confirmed. Supports C018. Internal Revenue Service |\n| S003 | IRS, Limitation on charges — Section 501(r)(5). [https://www.irs.gov/charities-non-profits/limitation-on-charges-section-501r5](https://www.irs.gov/charities-non-profits/limitation-on-charges-section-501r5?utm_source=chatgpt.com) — “Amounts generally billed” and “AGB calculation under the look-back method.” | Current federal agency explanation of AGB limitations for FAP-eligible patients. | Opened/read. Coordinator URL correction confirmed. Supports C010. Internal Revenue Service |\n| S019 | CFPB, Circular 2022-05, 87 FR 57375 (Sept. 20, 2022). Withdrawal record: [https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/](https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/?utm_source=chatgpt.com) — “Circulars & Supervisory Guidance,” 2022. | Withdrawn May 12, 2025. Historical interpretation, not current CFPB guidance. | Official withdrawal entry opened/read; original circular not reopened. Supports corrected C024 only for historical status. Consumer Financial Protection Bureau |\n| S039 | CMS/OFR, 42 CFR § 483.15. [https://www.ecfr.gov/current/title-42/chapter-IV/subchapter-G/part-483/subpart-B/section-483.15](https://www.ecfr.gov/current/title-42/chapter-IV/subchapter-G/part-483/subpart-B/section-483.15?utm_source=chatgpt.com) — (a)(3). | Operative federal nursing-facility admissions regulation. eCFR Title 42 current through Oct. 21, 2026. | Opened/read. Supports C024. ecfr.gov |\n| S040 | Congress/OLRC, 42 U.S.C. § 1395i-3. [https://uscode.house.gov/us/usc/119-118/t42/s1395i-3/](https://uscode.house.gov/us/usc/119-118/t42/s1395i-3/?utm_source=chatgpt.com) — (c)(5)(A)(ii), (B)(ii). | Operative federal Medicare skilled-nursing-facility statute. OLRC text through Public Law 119-120, Oct. 7, 2026. | Opened. Supports C024. uscode.house.gov |\n| S041 | Congress/OLRC, 42 U.S.C. § 1396r. [https://uscode.house.gov/us/usc/119-120/t42/s1396r/](https://uscode.house.gov/us/usc/119-120/t42/s1396r/?utm_source=chatgpt.com) — (c)(5)(A)(ii), (B)(ii). | Operative federal Medicaid nursing-facility statute. OLRC text through Public Law 119-120, Oct. 7, 2026. | Opened. Supports C024. uscode.house.gov |\n| S047 — new | CMS, Dispute a medical bill. [https://www.cms.gov/initiatives/your-patient-rights/medical-bill-rights/get-help/dispute-bill](https://www.cms.gov/initiatives/your-patient-rights/medical-bill-rights/get-help/dispute-bill?utm_source=chatgpt.com) — “How you qualify,” “What you need,” FAQs on administrative fees and settlement. | Current federal agency PPDR instructions. Page modified Oct. 2, 2026; modification date is not the legal effective date. | Opened/read. Supports corrected C008; underlying regulations not independently audited. CMS |\n\n### 2.2 Remaining missing-URL source records\n\nThe following table preserves each original ID. A precise statutory citation is included where supplied, but a source citation is not represented as an opened URL unless the passage was actually retrieved.\n\n| ID | Source and pinpoint | URL / verification disposition |\n| --- | --- | --- |\n| S010 | Congress, EMTALA, 42 U.S.C. § 1395dd; screening, stabilization and transfer. | Direct official source URL not recovered and opened in this pass. Hold. |\n| S012 | CMS, EMTALA overview, identified as March 10, 2026 guidance. | Exact CMS page URL and passage not verified. Hold. |\n| S013 | CMS, Hospital Price Transparency; 45 CFR Part 180. | Exact September 2026 CMS guidance page not verified. Hold. |\n| S015 | HHS, 45 CFR § 147.136; internal claims, appeals and external review. | Exact eCFR page not opened in this pass. Hold. |\n| S016 | Congress, MHPAEA; 42 U.S.C. § 300gg-26 and 29 U.S.C. § 1185a. | Exact statutory passages not reopened. Hold. |\n| S017 | DOL, enforcement/litigation statement concerning 2024 MHPAEA final rule. | Actual statement, date and operative enforcement language not retrieved. Hold. |\n| S025 | E.D. Tex., Cornerstone Credit Union League v. CFPB, No. 4:25-cv-00016, July 11, 2025 order/judgment. | Official GovInfo PDF not reopened. Prior reported vacatur not newly verified. Hold. |\n| S026 | Congress, 15 U.S.C. § 1681c; veteran medical-debt provisions. | Statutory passage not reopened. Hold. |\n| S035 | Congress, 25 U.S.C. § 1621u; Indian health liability-for-payment provision. | Statutory passage and IHS implementation not reopened. Hold. |\n| S036 | CFPB, research/consumer material about voluntary nationwide credit-bureau medical-debt reporting changes. | Exact source and current individual bureau policies not verified. Hold. |\n| S037 | Treasury/IRS, 26 U.S.C. § 6050P and related reporting material. | Current reporting regulation and exceptions not reopened. Hold. |\n\nResult: S002 and S003 have verified official URLs. The remaining eleven requested original source records retain missing or unverified direct-source evidence. No placeholder URL has been substituted for an unverified document.\n\n## 3. Judicial evidence register — S042 through S046\n\nAll five previously discovery-only opinion reproductions were located and opened in this pass. Their actual holdings can now be distinguished from the earlier summaries. However, complete subsequent appellate history has not been established, and the reproductions are not substitutes for official court-certified records.\n\n| ID | Opinion, direct URL, pinpoint and date | Verified holding and limitations |\n| --- | --- | --- |\n| S042 | Podolsky v. First Healthcare Corp., 50 Cal.App.4th 632 (Cal. Ct. App., Oct. 29, 1996). [https://law.justia.com/cases/california/court-of-appeal/4th/50/632.html](https://law.justia.com/cases/california/court-of-appeal/4th/50/632.html?utm_source=chatgpt.com) — pp. 649–652, 657. | The court reversed summary judgment involving nursing-home third-party guarantee practices. It found a proposed voluntary guarantee deceptive because important information about existing protections was omitted, and identified triable issues concerning the practices. Not a holding that every voluntary guarantee is categorically unlawful. Opened/read; later history not fully verified. law.justia.com |\n| S043 | Wedgewood Care Center, Inc. v. Kravitz, 2021 NY Slip Op 04731 (N.Y. App. Div., Aug. 18, 2021). [https://law.justia.com/cases/new-york/appellate-division-second-department/2021/2017-12681.html](https://law.justia.com/cases/new-york/appellate-division-second-department/2021/2017-12681.html?utm_source=chatgpt.com) — Parts III.A–B and disposition. | The court recognized potentially enforceable independent contractual duties, but required separate proof of breach, causation and damages. It modified the lower court's disposition and remitted the case. Not a final appellate determination that the entire nursing-home balance was owed by the son. Opened/read; later history unresolved. law.justia.com |\n| S044 | Village at the Greene v. Smith, 2020-Ohio-4088 (Ohio Ct. App., Aug. 14, 2020). [https://law.justia.com/cases/ohio/second-district-court-of-appeals/2020/28762.html](https://law.justia.com/cases/ohio/second-district-court-of-appeals/2020/28762.html?utm_source=chatgpt.com) — ¶¶ 14–20 and disposition. | The court affirmed summary judgment for the resident's son. His representative capacity and express refusal to assume personal liability mattered; the facility could not impose personal liability through its asserted breach-of-contract theory on that record. Opened/read; later history unresolved. law.justia.com |\n| S045 | Nassau Operating Co., LLC v. DeSimone, 2022 NY Slip Op 04029 (N.Y. App. Div., June 22, 2022). [https://law.justia.com/cases/new-york/appellate-division-second-department/2022/2021-00243.html](https://law.justia.com/cases/new-york/appellate-division-second-department/2022/2021-00243.html?utm_source=chatgpt.com) — pp. *1–*3, dismissal and restitution discussion. | The appellate court vacated the granddaughter's default judgment, ordered restitution of seized personal-account funds, and dismissed the complaint. The asserted contract theory lacked the necessary factual support for enforceable liability in that case. Earlier characterization as simply recognizing representative duties was incomplete. Opened/read; later history unresolved. law.justia.com |\n| S046 | Bartley Healthcare, Inc. v. Ott, No. A-3336-23 (N.J. Super. Ct. App. Div., Aug. 15, 2025). [https://law.justia.com/cases/new-jersey/appellate-division-unpublished/2025/a-3336-23.html](https://law.justia.com/cases/new-jersey/appellate-division-unpublished/2025/a-3336-23.html?utm_source=chatgpt.com) — pp. 9–12. | The court vacated the summary-judgment orders and remanded because adequate findings were missing. It explained that the New Jersey guarantee prohibition does not categorically immunize independently undertaken obligations or other wrongful conduct. Expressly nonprecedential under N.J. Rule 1:36-3; no final liability determination. Opened/read; later history unresolved. law.justia.com |\n\n### Corrected judicial synthesis\n\nThe decisions do not establish a nationwide rule that every independent promise by a family representative is enforceable.\n\nThey instead show why the analysis must examine the precise undertaking and proof:\n\n- Wedgewood recognizes possible independent contractual duties but requires separate proof.\n- Village at the Greene rejects an attempted imposition of personal liability on the facts and pleadings before it.\n- Nassau Operating demonstrates that unsupported allegations may fail entirely, including after a default judgment.\n- Podolsky addresses deceptive solicitation of supposedly voluntary guarantees.\n- Bartley is a nonprecedential remand, not a judgment imposing liability.\n\nResearch status: Holdings verified from opened opinion reproductions; subsequent history and any intervening controlling developments remain publication holds.\n\n## 4. Replacement claim register\n\nThese are amendments to the identified claims, not a new numbering system for the full D012 library.\n\n| Claim ID | Replacement finding | Evidence and limitations | Disposition |\n| --- | --- | --- | --- |\n| C008 | CMS currently describes a $25 nonrefundable PPDR administrative fee, credited against the provider amount owed after a favorable decision. For a settlement before the process ends, CMS says the provider must reduce the bill by at least $12.50 and notify the reviewer. Eligibility includes the qualifying uninsured/self-pay circumstances, a GFE, an initial bill within 120 calendar days, and a charge at least $400 above the individual provider/facility estimate. | S047, “How you qualify,” “What you need,” FAQs. Federal agency instructions; underlying regulation not reverified. CMS | Revised — agency-page verified; regulation hold |\n| C010 | For FAP-eligible patients, a covered nonprofit hospital facility must limit charges for emergency or other medically necessary care to no more than AGB. Under the look-back method, AGB is calculated using eligible allowed claims divided by associated gross charges, with annual calculation requirements. | S003, “Limitation on charges,” “AGB calculation under the look-back method.” Applies to covered facilities and qualifying care, not every medical provider. Internal Revenue Service | Source URL corrected; agency explanation verified |\n| C018 | Covered nonprofit hospital facilities must maintain written financial-assistance and emergency-medical-care policies. The FAP must identify eligibility, application procedures, calculation methods and which nonhospital providers delivering care in the facility are covered. | S002, “Financial assistance policy.” No assumption that every independent clinician participates. Internal Revenue Service | Source URL corrected; agency explanation verified |\n| C024 | Covered nursing facilities may not require third-party personal guarantees as admission or continued-stay conditions. They may require a legally authorized representative with access to available resident funds to agree to provide payment from those funds without personal financial liability under that arrangement. Independent obligations require separate proof. CFPB Circular 2022-05 is withdrawn. | S019, S039–S046. Federal statutory/regulatory baseline; state appellate illustrations; later case history unresolved. ecfr.gov+3 | Revised — federal baseline verified; state/case-history hold |\n| C050 | CFPB Circular 2022-05 was withdrawn May 12, 2025, and must not be described as operative CFPB guidance. | S019, official withdrawal list, 2022 circular entry. | Verified |\n| C051 | A resident representative's qualifying agreement to pay from resident resources does not itself impose personal financial liability. | S039 § 483.15(a)(3); S040/S041 § (c)(5)(B)(ii). | Verified federal rule |\n| C052 | A covered facility cannot require a third-party guarantee as a condition of admission, expedited admission or continued stay. | S039 § 483.15(a)(3); S040/S041 § (c)(5)(A)(ii). | Verified federal rule |\n| C055 | Whether a nonresident owes damages on an independent theory requires proof of an enforceable duty, breach, causation and recoverable damages under applicable law. Family relationship alone does not establish those elements. | S042–S046; holdings differ by state and facts. | Qualified; state-specific hold |\n| C056 | State appellate decisions do not support blanket family immunity or blanket enforceability of representative agreements. Wedgewood permits analysis of independent obligations; Village at the Greene and Nassau Operating show important defenses; Bartley is nonprecedential and remanded. | S042–S046, opinion reproductions opened/read. Subsequent history unresolved. | Revised; not fully cleared |\n\n### Publication replacement — C024\n\nWriting### Can a nursing home hold an adult child responsible for a parent's bill?\n\nFederal law prohibits covered nursing facilities from requiring an adult child or other third party to personally guarantee payment as a condition of admission, expedited admission, or continued stay.\n\nA facility may require a representative who has legal access to the resident's available income or resources to agree to use those resources for the resident's care, without personally assuming the resident's debt under that arrangement.\n\nThis protection does not mean that every relative is immune from every independent legal claim. Depending on the agreement and applicable state law, a dispute may concern whether a representative controlled available resident funds, breached an enforceable independent duty, misused funds, or caused actual financial loss.\n\nCourts have rejected claims that improperly impose personal liability and have also recognized that certain independent duties may be enforceable. The outcome depends on the precise contractual terms, legal authority, evidence and governing law.\n\nCFPB Circular 2022-05 was withdrawn on May 12, 2025. Its withdrawal did not repeal the underlying federal nursing-facility admission protections.\n\n**Primary authorities:** 42 U.S.C. §§ 1395i-3(c)(5), 1396r(c)(5); 42 CFR § 483.15(a)(3).\n\n### Publication replacement — C008\n\nWriting### What does it cost to dispute a medical bill through federal patient-provider dispute resolution?\n\nUnder CMS's October 2026 instructions, qualifying uninsured or self-pay patients may use the federal patient-provider dispute resolution process when an individual provider or facility bills at least $400 more than its good faith estimate and the other eligibility requirements are satisfied.\n\nCMS identifies a $25 nonrefundable administrative fee, which must be paid before the dispute process starts. If the independent reviewer decides in the patient's favor, the $25 is deducted from the amount owed to the provider. If the parties settle before the dispute process ends, CMS says the provider must reduce the bill by at least $12.50 and notify the reviewer.\n\nThe initial bill must be dated within the preceding 120 calendar days, and the care and estimate must satisfy the program's other requirements. Paying the fee does not guarantee eligibility, a favorable decision, or a particular reduction.\n\n**Source:** CMS, *Dispute a medical bill*, modified October 2, 2026.\n\n## 5. Coverage correction table\n\nThis is a targeted coverage patch, not a replacement for the 21 original coverage rows. Their original identifiers and text have not been supplied here, so no unsupported row-ID mapping is asserted.\n\n| Coverage subtopic | Status | Claims | Missing evidence / next action |\n| --- | --- | --- | --- |\n| Nursing-facility third-party guarantees | Answered — federal baseline | C024, C052 | Facility classification and state-law application |\n| Resident-fund representative agreements | Answered — federal baseline | C024, C051 | Actual agreement and representative authority |\n| Independent family-member liability | Partial | C024, C055, C056 | Subsequent case history, controlling state law, contract |\n| CFPB nursing-home circular status | Answered | C050 | None for withdrawal status |\n| Judicial treatment of representative duties | Partial | C055, C056 | Official opinion copies and later history |\n| PPDR eligibility, fee and settlement treatment | Partial | C008 | Underlying regulations and any conflicting effective provisions |\n| Nonprofit hospital financial assistance | Partial | C018 | Facility-specific FAP and regulatory audit |\n| Amounts generally billed | Partial | C010 | Facility-specific AGB methodology and underlying regulatory audit |\n| EMTALA screening and stabilization | Unresolved in this pass | S010, S012 | Open official statute and current CMS materials |\n| Hospital price transparency | Unresolved in this pass | S013 | Retrieve exact CMS guidance and operative rule |\n| Insurance claims and appeals | Unresolved in this pass | S015 | Open operative regulatory provisions |\n| Mental-health parity | Unresolved in this pass | S016, S017 | Verify statute and DOL enforcement status |\n| Medical-credit-reporting rule vacatur | Unresolved in this pass | S025 | Open judgment and verify subsequent proceedings |\n| Veteran medical-debt reporting | Unresolved in this pass | S026 | Read exact statutory exceptions |\n| Indian health payment liability | Unresolved in this pass | S035 | Read statute and IHS materials |\n| Voluntary credit-bureau reporting changes | Unresolved in this pass | S036 | Verify each bureau's current policy |\n| Cancellation-of-debt information reporting | Unresolved in this pass | S037 | Verify Treasury regulation and exceptions |\n\n## 6. Plain-text worked examples\n\n### Example 1 — PPDR eligibility and fee\n\nAssumptions:\n\n- Self-pay patient with a qualifying GFE: $1,500\n- Individual provider's initial bill: $2,050\n- Bill dated 30 days ago\n- Other eligibility requirements satisfied\n\nCalculation:\n\nBill minus GFE = $2,050 - $1,500 = $550.\n\nThe $550 difference exceeds the $400 threshold by $150.\n\nThe patient may qualify for PPDR, subject to the remaining requirements.\n\nAdministrative fee: $25.\n\nIf the reviewer determines that the appropriate provider payment is $1,700, the reduction in the billed amount is:\n\n$2,050 - $1,700 = $350.\n\nUnder CMS's instructions, the $25 fee is credited against the amount owed after a favorable decision. The illustration does not predict the reviewer's determination.\n\nIf the parties instead reach a qualifying settlement before the process ends, CMS describes a minimum $12.50 reduction in the bill. That minimum is not a promised settlement percentage or a guarantee of eligibility.\n\n### Example 2 — nursing-home representative liability\n\nAssumptions:\n\n- Resident's outstanding valid care charges: $18,000\n- Resident funds available for payment: $7,000\n- Daughter has lawful access to those funds\n- Daughter signed a representative-payment agreement without a personal guarantee\n\nPotential payment from resident funds: $7,000.\n\nRemaining resident balance, before insurance, Medicaid and other adjustments:\n\n$18,000 - $7,000 = $11,000.\n\nThe representative-payment provision does not automatically make the daughter personally responsible for the $11,000.\n\nIf the facility alleges that she improperly diverted $3,000 of the resident's available funds, that is a separate allegation. The facility would need to establish the applicable duty, breach, causation and damages. The $3,000 figure does not become an enforceable judgment merely because the facility asserts it.\n\n## 7. Residual publication holds\n\n| Priority | Hold | Release condition |\n| --- | --- | --- |\n| High | S010, S012, S013, S015–S017 | Exact official URLs, opened operative passages, current applicability and status |\n| High | S025 and any dependent medical-credit-reporting claims | Official judgment, scope of vacatur and later procedural status |\n| High | S026, S035 and S037 | Current statutes/regulations and operative exceptions |\n| High | S036 | Current individual bureau policies, distinguishing voluntary practice from law |\n| High | S042–S046 | Official opinion comparison and subsequent-history verification |\n| Medium | C008 | Underlying PPDR regulations, including effective fee provisions |\n| Medium | C010 and C018 | Underlying § 501(r) regulations and facility-specific application |\n| High | Other original D012 claims | Individual review; no acceptance inferred from this supplement |\n| High | Original coverage inventory | Reconcile patch against all 21 preserved original rows |\n\n## 8. Researcher self-check and final disposition\n\nVerified in this pass: CFPB Circular 2022-05 withdrawal status; the federal nursing-facility admission regulation and statutory source pages; the five judicial opinion reproductions and their stated dispositions; the IRS financial-assistance and AGB overview pages; and CMS's current PPDR eligibility, fee and settlement instructions.\n\nNot verified sufficiently for publication: The eleven outstanding original-source URL records; complete subsequent judicial history; underlying PPDR and § 501(r) regulatory audits; the original full 37-source, 49-claim and 21-coverage-row inventory; and the remaining medical-debt claims.\n\nNo independent review was performed. No local files were saved, and no external publication or account changes were made.\n\nFinal disposition: D012 Correction-02 remains partially complete. The targeted nursing-facility source-status issue and the CMS PPDR fee issue have usable corrected wording. The remaining listed evidence gaps must retain their publication holds rather than being silently treated as resolved.\n\nEND D012 CORRECTION-02\n\n","tables":[{"headers":[],"index":0,"links":[{"href":"https://www.irs.gov/charities-non-profits/financial-assistance-policy-and-emergency-medical-care-policy-section-501r4?utm_source=chatgpt.com","text":"https://www.irs.gov/charities-non-profits/financial-assistance-policy-and-emergency-medical-care-policy-section-501r4"},{"href":"https://www.irs.gov/charities-non-profits/limitation-on-charges-section-501r5?utm_source=chatgpt.com","text":"https://www.irs.gov/charities-non-profits/limitation-on-charges-section-501r5"},{"href":"https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/"},{"href":"https://www.ecfr.gov/current/title-42/chapter-IV/subchapter-G/part-483/subpart-B/section-483.15?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-42/chapter-IV/subchapter-G/part-483/subpart-B/section-483.15"},{"href":"https://uscode.house.gov/us/usc/119-118/t42/s1395i-3/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-118/t42/s1395i-3/"},{"href":"https://uscode.house.gov/us/usc/119-120/t42/s1396r/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-120/t42/s1396r/"},{"href":"https://www.cms.gov/initiatives/your-patient-rights/medical-bill-rights/get-help/dispute-bill?utm_source=chatgpt.com","text":"https://www.cms.gov/initiatives/your-patient-rights/medical-bill-rights/get-help/dispute-bill"}],"row_links":[[],[{"href":"https://www.irs.gov/charities-non-profits/financial-assistance-policy-and-emergency-medical-care-policy-section-501r4?utm_source=chatgpt.com","text":"https://www.irs.gov/charities-non-profits/financial-assistance-policy-and-emergency-medical-care-policy-section-501r4"}],[{"href":"https://www.irs.gov/charities-non-profits/limitation-on-charges-section-501r5?utm_source=chatgpt.com","text":"https://www.irs.gov/charities-non-profits/limitation-on-charges-section-501r5"}],[{"href":"https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/"}],[{"href":"https://www.ecfr.gov/current/title-42/chapter-IV/subchapter-G/part-483/subpart-B/section-483.15?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-42/chapter-IV/subchapter-G/part-483/subpart-B/section-483.15"}],[{"href":"https://uscode.house.gov/us/usc/119-118/t42/s1395i-3/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-118/t42/s1395i-3/"}],[{"href":"https://uscode.house.gov/us/usc/119-120/t42/s1396r/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-120/t42/s1396r/"}],[{"href":"https://www.cms.gov/initiatives/your-patient-rights/medical-bill-rights/get-help/dispute-bill?utm_source=chatgpt.com","text":"https://www.cms.gov/initiatives/your-patient-rights/medical-bill-rights/get-help/dispute-bill"}]],"rows":[["ID","Issuer, source, URL and exact pinpoint","Status and scope","Access and disposition"],["S002","IRS, Financial assistance policy and emergency medical care policy — Section 501(r)(4). https://www.irs.gov/charities-non-profits/financial-assistance-policy-and-emergency-medical-care-policy-section-501r4 — “Financial assistance policy,” eligibility and provider-list paragraphs.","Current federal agency explanation of nonprofit hospital requirements; facility-by-facility scope.","Opened/read. Coordinator URL correction confirmed. Supports C018. \nInternal Revenue Service"],["S003","IRS, Limitation on charges — Section 501(r)(5). https://www.irs.gov/charities-non-profits/limitation-on-charges-section-501r5 — “Amounts generally billed” and “AGB calculation under the look-back method.”","Current federal agency explanation of AGB limitations for FAP-eligible patients.","Opened/read. Coordinator URL correction confirmed. Supports C010. \nInternal Revenue Service"],["S019","CFPB, Circular 2022-05, 87 FR 57375 (Sept. 20, 2022). Withdrawal record: https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/ — “Circulars & Supervisory Guidance,” 2022.","Withdrawn May 12, 2025. Historical interpretation, not current CFPB guidance.","Official withdrawal entry opened/read; original circular not reopened. Supports corrected C024 only for historical status. \nConsumer Financial Protection Bureau"],["S039","CMS/OFR, 42 CFR § 483.15. https://www.ecfr.gov/current/title-42/chapter-IV/subchapter-G/part-483/subpart-B/section-483.15 — (a)(3).","Operative federal nursing-facility admissions regulation. eCFR Title 42 current through Oct. 21, 2026.","Opened/read. Supports C024. \necfr.gov"],["S040","Congress/OLRC, 42 U.S.C. § 1395i-3. https://uscode.house.gov/us/usc/119-118/t42/s1395i-3/ — (c)(5)(A)(ii), (B)(ii).","Operative federal Medicare skilled-nursing-facility statute. OLRC text through Public Law 119-120, Oct. 7, 2026.","Opened. Supports C024. \nuscode.house.gov"],["S041","Congress/OLRC, 42 U.S.C. § 1396r. https://uscode.house.gov/us/usc/119-120/t42/s1396r/ — (c)(5)(A)(ii), (B)(ii).","Operative federal Medicaid nursing-facility statute. OLRC text through Public Law 119-120, Oct. 7, 2026.","Opened. Supports C024. \nuscode.house.gov"],["S047 — new","CMS, Dispute a medical bill. https://www.cms.gov/initiatives/your-patient-rights/medical-bill-rights/get-help/dispute-bill — “How you qualify,” “What you need,” FAQs on administrative fees and settlement.","Current federal agency PPDR instructions. Page modified Oct. 2, 2026; modification date is not the legal effective date.","Opened/read. Supports corrected C008; underlying regulations not independently audited. \nCMS"]]},{"headers":[],"index":1,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["ID","Source and pinpoint","URL / verification disposition"],["S010","Congress, EMTALA, 42 U.S.C. § 1395dd; screening, stabilization and transfer.","Direct official source URL not recovered and opened in this pass. Hold."],["S012","CMS, EMTALA overview, identified as March 10, 2026 guidance.","Exact CMS page URL and passage not verified. Hold."],["S013","CMS, Hospital Price Transparency; 45 CFR Part 180.","Exact September 2026 CMS guidance page not verified. Hold."],["S015","HHS, 45 CFR § 147.136; internal claims, appeals and external review.","Exact eCFR page not opened in this pass. Hold."],["S016","Congress, MHPAEA; 42 U.S.C. § 300gg-26 and 29 U.S.C. § 1185a.","Exact statutory passages not reopened. Hold."],["S017","DOL, enforcement/litigation statement concerning 2024 MHPAEA final rule.","Actual statement, date and operative enforcement language not retrieved. Hold."],["S025","E.D. Tex., Cornerstone Credit Union League v. CFPB, No. 4:25-cv-00016, July 11, 2025 order/judgment.","Official GovInfo PDF not reopened. Prior reported vacatur not newly verified. Hold."],["S026","Congress, 15 U.S.C. § 1681c; veteran medical-debt provisions.","Statutory passage not reopened. Hold."],["S035","Congress, 25 U.S.C. § 1621u; Indian health liability-for-payment provision.","Statutory passage and IHS implementation not reopened. Hold."],["S036","CFPB, research/consumer material about voluntary nationwide credit-bureau medical-debt reporting changes.","Exact source and current individual bureau policies not verified. Hold."],["S037","Treasury/IRS, 26 U.S.C. § 6050P and related reporting material.","Current reporting regulation and exceptions not reopened. Hold."]]},{"headers":[],"index":2,"links":[{"href":"https://law.justia.com/cases/california/court-of-appeal/4th/50/632.html?utm_source=chatgpt.com","text":"https://law.justia.com/cases/california/court-of-appeal/4th/50/632.html"},{"href":"https://law.justia.com/cases/new-york/appellate-division-second-department/2021/2017-12681.html?utm_source=chatgpt.com","text":"https://law.justia.com/cases/new-york/appellate-division-second-department/2021/2017-12681.html"},{"href":"https://law.justia.com/cases/ohio/second-district-court-of-appeals/2020/28762.html?utm_source=chatgpt.com","text":"https://law.justia.com/cases/ohio/second-district-court-of-appeals/2020/28762.html"},{"href":"https://law.justia.com/cases/new-york/appellate-division-second-department/2022/2021-00243.html?utm_source=chatgpt.com","text":"https://law.justia.com/cases/new-york/appellate-division-second-department/2022/2021-00243.html"},{"href":"https://law.justia.com/cases/new-jersey/appellate-division-unpublished/2025/a-3336-23.html?utm_source=chatgpt.com","text":"https://law.justia.com/cases/new-jersey/appellate-division-unpublished/2025/a-3336-23.html"}],"row_links":[[],[{"href":"https://law.justia.com/cases/california/court-of-appeal/4th/50/632.html?utm_source=chatgpt.com","text":"https://law.justia.com/cases/california/court-of-appeal/4th/50/632.html"}],[{"href":"https://law.justia.com/cases/new-york/appellate-division-second-department/2021/2017-12681.html?utm_source=chatgpt.com","text":"https://law.justia.com/cases/new-york/appellate-division-second-department/2021/2017-12681.html"}],[{"href":"https://law.justia.com/cases/ohio/second-district-court-of-appeals/2020/28762.html?utm_source=chatgpt.com","text":"https://law.justia.com/cases/ohio/second-district-court-of-appeals/2020/28762.html"}],[{"href":"https://law.justia.com/cases/new-york/appellate-division-second-department/2022/2021-00243.html?utm_source=chatgpt.com","text":"https://law.justia.com/cases/new-york/appellate-division-second-department/2022/2021-00243.html"}],[{"href":"https://law.justia.com/cases/new-jersey/appellate-division-unpublished/2025/a-3336-23.html?utm_source=chatgpt.com","text":"https://law.justia.com/cases/new-jersey/appellate-division-unpublished/2025/a-3336-23.html"}]],"rows":[["ID","Opinion, direct URL, pinpoint and date","Verified holding and limitations"],["S042","Podolsky v. First Healthcare Corp., 50 Cal.App.4th 632 (Cal. Ct. App., Oct. 29, 1996). https://law.justia.com/cases/california/court-of-appeal/4th/50/632.html — pp. 649–652, 657.","The court reversed summary judgment involving nursing-home third-party guarantee practices. It found a proposed voluntary guarantee deceptive because important information about existing protections was omitted, and identified triable issues concerning the practices. Not a holding that every voluntary guarantee is categorically unlawful. Opened/read; later history not fully verified. \nlaw.justia.com"],["S043","Wedgewood Care Center, Inc. v. Kravitz, 2021 NY Slip Op 04731 (N.Y. App. Div., Aug. 18, 2021). https://law.justia.com/cases/new-york/appellate-division-second-department/2021/2017-12681.html — Parts III.A–B and disposition.","The court recognized potentially enforceable independent contractual duties, but required separate proof of breach, causation and damages. It modified the lower court's disposition and remitted the case. Not a final appellate determination that the entire nursing-home balance was owed by the son. Opened/read; later history unresolved. \nlaw.justia.com"],["S044","Village at the Greene v. Smith, 2020-Ohio-4088 (Ohio Ct. App., Aug. 14, 2020). https://law.justia.com/cases/ohio/second-district-court-of-appeals/2020/28762.html — ¶¶ 14–20 and disposition.","The court affirmed summary judgment for the resident's son. His representative capacity and express refusal to assume personal liability mattered; the facility could not impose personal liability through its asserted breach-of-contract theory on that record. Opened/read; later history unresolved. \nlaw.justia.com"],["S045","Nassau Operating Co., LLC v. DeSimone, 2022 NY Slip Op 04029 (N.Y. App. Div., June 22, 2022). https://law.justia.com/cases/new-york/appellate-division-second-department/2022/2021-00243.html — pp. *1–*3, dismissal and restitution discussion.","The appellate court vacated the granddaughter's default judgment, ordered restitution of seized personal-account funds, and dismissed the complaint. The asserted contract theory lacked the necessary factual support for enforceable liability in that case. Earlier characterization as simply recognizing representative duties was incomplete. Opened/read; later history unresolved. \nlaw.justia.com"],["S046","Bartley Healthcare, Inc. v. Ott, No. A-3336-23 (N.J. Super. Ct. App. Div., Aug. 15, 2025). https://law.justia.com/cases/new-jersey/appellate-division-unpublished/2025/a-3336-23.html — pp. 9–12.","The court vacated the summary-judgment orders and remanded because adequate findings were missing. It explained that the New Jersey guarantee prohibition does not categorically immunize independently undertaken obligations or other wrongful conduct. Expressly nonprecedential under N.J. Rule 1:36-3; no final liability determination. Opened/read; later history unresolved. \nlaw.justia.com"]]},{"headers":[],"index":3,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Replacement finding","Evidence and limitations","Disposition"],["C008","CMS currently describes a $25 nonrefundable PPDR administrative fee, credited against the provider amount owed after a favorable decision. For a settlement before the process ends, CMS says the provider must reduce the bill by at least $12.50 and notify the reviewer. Eligibility includes the qualifying uninsured/self-pay circumstances, a GFE, an initial bill within 120 calendar days, and a charge at least $400 above the individual provider/facility estimate.","S047, “How you qualify,” “What you need,” FAQs. Federal agency instructions; underlying regulation not reverified. \nCMS","Revised — agency-page verified; regulation hold"],["C010","For FAP-eligible patients, a covered nonprofit hospital facility must limit charges for emergency or other medically necessary care to no more than AGB. Under the look-back method, AGB is calculated using eligible allowed claims divided by associated gross charges, with annual calculation requirements.","S003, “Limitation on charges,” “AGB calculation under the look-back method.” Applies to covered facilities and qualifying care, not every medical provider. \nInternal Revenue Service","Source URL corrected; agency explanation verified"],["C018","Covered nonprofit hospital facilities must maintain written financial-assistance and emergency-medical-care policies. The FAP must identify eligibility, application procedures, calculation methods and which nonhospital providers delivering care in the facility are covered.","S002, “Financial assistance policy.” No assumption that every independent clinician participates. \nInternal Revenue Service","Source URL corrected; agency explanation verified"],["C024","Covered nursing facilities may not require third-party personal guarantees as admission or continued-stay conditions. They may require a legally authorized representative with access to available resident funds to agree to provide payment from those funds without personal financial liability under that arrangement. Independent obligations require separate proof. CFPB Circular 2022-05 is withdrawn.","S019, S039–S046. Federal statutory/regulatory baseline; state appellate illustrations; later case history unresolved. \necfr.gov\n+3","Revised — federal baseline verified; state/case-history hold"],["C050","CFPB Circular 2022-05 was withdrawn May 12, 2025, and must not be described as operative CFPB guidance.","S019, official withdrawal list, 2022 circular entry.","Verified"],["C051","A resident representative's qualifying agreement to pay from resident resources does not itself impose personal financial liability.","S039 § 483.15(a)(3); S040/S041 § (c)(5)(B)(ii).","Verified federal rule"],["C052","A covered facility cannot require a third-party guarantee as a condition of admission, expedited admission or continued stay.","S039 § 483.15(a)(3); S040/S041 § (c)(5)(A)(ii).","Verified federal rule"],["C055","Whether a nonresident owes damages on an independent theory requires proof of an enforceable duty, breach, causation and recoverable damages under applicable law. Family relationship alone does not establish those elements.","S042–S046; holdings differ by state and facts.","Qualified; state-specific hold"],["C056","State appellate decisions do not support blanket family immunity or blanket enforceability of representative agreements. Wedgewood permits analysis of independent obligations; Village at the Greene and Nassau Operating show important defenses; Bartley is nonprecedential and remanded.","S042–S046, opinion reproductions opened/read. Subsequent history unresolved.","Revised; not fully cleared"]]},{"headers":[],"index":4,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Coverage subtopic","Status","Claims","Missing evidence / next action"],["Nursing-facility third-party guarantees","Answered — federal baseline","C024, C052","Facility classification and state-law application"],["Resident-fund representative agreements","Answered — federal baseline","C024, C051","Actual agreement and representative authority"],["Independent family-member liability","Partial","C024, C055, C056","Subsequent case history, controlling state law, contract"],["CFPB nursing-home circular status","Answered","C050","None for withdrawal status"],["Judicial treatment of representative duties","Partial","C055, C056","Official opinion copies and later history"],["PPDR eligibility, fee and settlement treatment","Partial","C008","Underlying regulations and any conflicting effective provisions"],["Nonprofit hospital financial assistance","Partial","C018","Facility-specific FAP and regulatory audit"],["Amounts generally billed","Partial","C010","Facility-specific AGB methodology and underlying regulatory audit"],["EMTALA screening and stabilization","Unresolved in this pass","S010, S012","Open official statute and current CMS materials"],["Hospital price transparency","Unresolved in this pass","S013","Retrieve exact CMS guidance and operative rule"],["Insurance claims and appeals","Unresolved in this pass","S015","Open operative regulatory provisions"],["Mental-health parity","Unresolved in this pass","S016, S017","Verify statute and DOL enforcement status"],["Medical-credit-reporting rule vacatur","Unresolved in this pass","S025","Open judgment and verify subsequent proceedings"],["Veteran medical-debt reporting","Unresolved in this pass","S026","Read exact statutory exceptions"],["Indian health payment liability","Unresolved in this pass","S035","Read statute and IHS materials"],["Voluntary credit-bureau reporting changes","Unresolved in this pass","S036","Verify each bureau's current policy"],["Cancellation-of-debt information reporting","Unresolved in this pass","S037","Verify Treasury regulation and exceptions"]]},{"headers":[],"index":5,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[]],"rows":[["Priority","Hold","Release condition"],["High","S010, S012, S013, S015–S017","Exact official URLs, opened operative passages, current applicability and status"],["High","S025 and any dependent medical-credit-reporting claims","Official judgment, scope of vacatur and later procedural status"],["High","S026, S035 and S037","Current statutes/regulations and operative exceptions"],["High","S036","Current individual bureau policies, distinguishing voluntary practice from law"],["High","S042–S046","Official opinion comparison and subsequent-history verification"],["Medium","C008","Underlying PPDR regulations, including effective fee provisions"],["Medium","C010 and C018","Underlying § 501(r) regulations and facility-specific application"],["High","Other original D012 claims","Individual review; no acceptance inferred from this supplement"],["High","Original coverage inventory","Reconcile patch against all 21 preserved original rows"]]}],"claims":[{"claim_id":"D012-C008","area_numbers":[16],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C008","Replacement finding":"CMS currently describes a $25 nonrefundable PPDR administrative fee, credited against the provider amount owed after a favorable decision. For a settlement before the process ends, CMS says the provider must reduce the bill by at least $12.50 and notify the reviewer. Eligibility includes the qualifying uninsured/self-pay circumstances, a GFE, an initial bill within 120 calendar days, and a charge at least $400 above the individual provider/facility estimate.","Evidence and limitations":"S047, “How you qualify,” “What you need,” FAQs. Federal agency instructions; underlying regulation not reverified. \nCMS","Disposition":"Revised — agency-page verified; regulation hold"},"coordinator_verification_status":"selected_prior_agency_evidence_reused_regulatory_and_facility_application_held","id_normalization":"Unprefixed visibleID qualified byD012; originalcell unchanged.","coordinator_checked_at":"2026-10-23T02:23:54.387627+00:00","coordinator_check_evidence":"[internal evidence reference]"},{"claim_id":"D012-C010","area_numbers":[16],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C010","Replacement finding":"For FAP-eligible patients, a covered nonprofit hospital facility must limit charges for emergency or other medically necessary care to no more than AGB. Under the look-back method, AGB is calculated using eligible allowed claims divided by associated gross charges, with annual calculation requirements.","Evidence and limitations":"S003, “Limitation on charges,” “AGB calculation under the look-back method.” Applies to covered facilities and qualifying care, not every medical provider. \nInternal Revenue Service","Disposition":"Source URL corrected; agency explanation verified"},"coordinator_verification_status":"selected_prior_agency_evidence_reused_regulatory_and_facility_application_held","id_normalization":"Unprefixed visibleID qualified byD012; originalcell unchanged.","coordinator_checked_at":"2026-10-23T02:23:54.387627+00:00","coordinator_check_evidence":"[internal evidence reference]"},{"claim_id":"D012-C018","area_numbers":[16],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C018","Replacement finding":"Covered nonprofit hospital facilities must maintain written financial-assistance and emergency-medical-care policies. The FAP must identify eligibility, application procedures, calculation methods and which nonhospital providers delivering care in the facility are covered.","Evidence and limitations":"S002, “Financial assistance policy.” No assumption that every independent clinician participates. \nInternal Revenue Service","Disposition":"Source URL corrected; agency explanation verified"},"coordinator_verification_status":"selected_prior_agency_evidence_reused_regulatory_and_facility_application_held","id_normalization":"Unprefixed visibleID qualified byD012; originalcell unchanged.","coordinator_checked_at":"2026-10-23T02:23:54.387627+00:00","coordinator_check_evidence":"[internal evidence reference]"},{"claim_id":"D012-C024","area_numbers":[16],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C024","Replacement finding":"Covered nursing facilities may not require third-party personal guarantees as admission or continued-stay conditions. They may require a legally authorized representative with access to available resident funds to agree to provide payment from those funds without personal financial liability under that arrangement. Independent obligations require separate proof. CFPB Circular 2022-05 is withdrawn.","Evidence and limitations":"S019, S039–S046. Federal statutory/regulatory baseline; state appellate illustrations; later case history unresolved. \necfr.gov\n+3","Disposition":"Revised — federal baseline verified; state/case-history hold"},"coordinator_verification_status":"federal_baseline_corrected_selected_case_support_remaining_state_history_held","id_normalization":"Unprefixed visibleID qualified byD012; originalcell unchanged.","coordinator_checked_at":"2026-10-23T02:23:54.387627+00:00","coordinator_check_evidence":"[internal evidence reference]"},{"claim_id":"D012-C050","area_numbers":[16],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C050","Replacement finding":"CFPB Circular 2022-05 was withdrawn May 12, 2025, and must not be described as operative CFPB guidance.","Evidence and limitations":"S019, official withdrawal list, 2022 circular entry.","Disposition":"Verified"},"coordinator_verification_status":"selected_federal_status_or_baseline_checked_with_scope_limits","id_normalization":"Unprefixed visibleID qualified byD012; originalcell unchanged.","coordinator_checked_at":"2026-10-23T02:23:54.387627+00:00","coordinator_check_evidence":"[internal evidence reference]"},{"claim_id":"D012-C051","area_numbers":[16],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C051","Replacement finding":"A resident representative's qualifying agreement to pay from resident resources does not itself impose personal financial liability.","Evidence and limitations":"S039 § 483.15(a)(3); S040/S041 § (c)(5)(B)(ii).","Disposition":"Verified federal rule"},"coordinator_verification_status":"selected_federal_status_or_baseline_checked_with_scope_limits","id_normalization":"Unprefixed visibleID qualified byD012; originalcell unchanged.","coordinator_checked_at":"2026-10-23T02:23:54.387627+00:00","coordinator_check_evidence":"[internal evidence reference]"},{"claim_id":"D012-C052","area_numbers":[16],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C052","Replacement finding":"A covered facility cannot require a third-party guarantee as a condition of admission, expedited admission or continued stay.","Evidence and limitations":"S039 § 483.15(a)(3); S040/S041 § (c)(5)(A)(ii).","Disposition":"Verified federal rule"},"coordinator_verification_status":"selected_federal_status_or_baseline_checked_with_scope_limits","id_normalization":"Unprefixed visibleID qualified byD012; originalcell unchanged.","coordinator_checked_at":"2026-10-23T02:23:54.387627+00:00","coordinator_check_evidence":"[internal evidence reference]"},{"claim_id":"D012-C055","area_numbers":[16],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C055","Replacement finding":"Whether a nonresident owes damages on an independent theory requires proof of an enforceable duty, breach, causation and recoverable damages under applicable law. Family relationship alone does not establish those elements.","Evidence and limitations":"S042–S046; holdings differ by state and facts.","Disposition":"Qualified; state-specific hold"},"coordinator_verification_status":"selected_three_official_cases_checked_full_five_case_history_held","id_normalization":"Unprefixed visibleID qualified byD012; originalcell unchanged.","coordinator_checked_at":"2026-10-23T02:23:54.387627+00:00","coordinator_check_evidence":"[internal evidence reference]"},{"claim_id":"D012-C056","area_numbers":[16],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C056","Replacement finding":"State appellate decisions do not support blanket family immunity or blanket enforceability of representative agreements. Wedgewood permits analysis of independent obligations; Village at the Greene and Nassau Operating show important defenses; Bartley is nonprecedential and remanded.","Evidence and limitations":"S042–S046, opinion reproductions opened/read. Subsequent history unresolved.","Disposition":"Revised; not fully cleared"},"coordinator_verification_status":"selected_three_official_cases_checked_full_five_case_history_held","id_normalization":"Unprefixed visibleID qualified byD012; originalcell unchanged.","coordinator_checked_at":"2026-10-23T02:23:54.387627+00:00","coordinator_check_evidence":"[internal evidence reference]"}],"sources":[{"source_id":"D012-S002","urls":["https://www.irs.gov/charities-non-profits/financial-assistance-policy-and-emergency-medical-care-policy-section-501r4","https://www.irs.gov/charities-non-profits/financial-assistance-policy-and-emergency-medical-care-policy-section-501r4?utm_source=chatgpt.com"],"researcher_record":{"ID":"S002","Issuer, source, URL and exact pinpoint":"IRS, Financial assistance policy and emergency medical care policy — Section 501(r)(4). https://www.irs.gov/charities-non-profits/financial-assistance-policy-and-emergency-medical-care-policy-section-501r4 — “Financial assistance policy,” eligibility and provider-list paragraphs.","Status and scope":"Current federal agency explanation of nonprofit hospital requirements; facility-by-facility scope.","Access and disposition":"Opened/read. Coordinator URL correction confirmed. Supports C018. \nInternal Revenue Service"},"coordinator_verification_status":"documented_prior_selected_agency_check_reused_with_limits","id_normalization":"Unprefixed visibleID qualified byD012; originalcell unchanged; revision-specific provenance retained.","coordinator_checked_at":"2026-10-23T02:23:54.387627+00:00","coordinator_check_evidence":"[internal evidence reference]"},{"source_id":"D012-S003","urls":["https://www.irs.gov/charities-non-profits/limitation-on-charges-section-501r5","https://www.irs.gov/charities-non-profits/limitation-on-charges-section-501r5?utm_source=chatgpt.com"],"researcher_record":{"ID":"S003","Issuer, source, URL and exact pinpoint":"IRS, Limitation on charges — Section 501(r)(5). https://www.irs.gov/charities-non-profits/limitation-on-charges-section-501r5 — “Amounts generally billed” and “AGB calculation under the look-back method.”","Status and scope":"Current federal agency explanation of AGB limitations for FAP-eligible patients.","Access and disposition":"Opened/read. Coordinator URL correction confirmed. Supports C010. \nInternal Revenue Service"},"coordinator_verification_status":"documented_prior_selected_agency_check_reused_with_limits","id_normalization":"Unprefixed visibleID qualified byD012; originalcell unchanged; revision-specific provenance retained.","coordinator_checked_at":"2026-10-23T02:23:54.387627+00:00","coordinator_check_evidence":"[internal evidence reference]"},{"source_id":"D012-S019","urls":["https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/","https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/?utm_source=chatgpt.com"],"researcher_record":{"ID":"S019","Issuer, source, URL and exact pinpoint":"CFPB, Circular 2022-05, 87 FR 57375 (Sept. 20, 2022). Withdrawal record: https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/ — “Circulars & Supervisory Guidance,” 2022.","Status and scope":"Withdrawn May 12, 2025. Historical interpretation, not current CFPB guidance.","Access and disposition":"Official withdrawal entry opened/read; original circular not reopened. Supports corrected C024 only for historical status. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"selected_primary_passages_checked_current_scope_and_history_limits","id_normalization":"Unprefixed visibleID qualified byD012; originalcell unchanged; revision-specific provenance retained.","coordinator_checked_at":"2026-10-23T02:23:54.387627+00:00","coordinator_check_evidence":"[internal evidence reference]"},{"source_id":"D012-S039","urls":["https://www.ecfr.gov/current/title-42/chapter-IV/subchapter-G/part-483/subpart-B/section-483.15","https://www.ecfr.gov/current/title-42/chapter-IV/subchapter-G/part-483/subpart-B/section-483.15?utm_source=chatgpt.com"],"researcher_record":{"ID":"S039","Issuer, source, URL and exact pinpoint":"CMS/OFR, 42 CFR § 483.15. https://www.ecfr.gov/current/title-42/chapter-IV/subchapter-G/part-483/subpart-B/section-483.15 — (a)(3).","Status and scope":"Operative federal nursing-facility admissions regulation. eCFR Title 42 current through Oct. 21, 2026.","Access and disposition":"Opened/read. Supports C024. \necfr.gov"},"coordinator_verification_status":"selected_primary_passages_checked_current_scope_and_history_limits","id_normalization":"Unprefixed visibleID qualified byD012; originalcell unchanged; revision-specific provenance retained.","coordinator_checked_at":"2026-10-23T02:23:54.387627+00:00","coordinator_check_evidence":"[internal evidence reference]"},{"source_id":"D012-S040","urls":["https://uscode.house.gov/us/usc/119-118/t42/s1395i-3/","https://uscode.house.gov/us/usc/119-118/t42/s1395i-3/?utm_source=chatgpt.com"],"researcher_record":{"ID":"S040","Issuer, source, URL and exact pinpoint":"Congress/OLRC, 42 U.S.C. § 1395i-3. https://uscode.house.gov/us/usc/119-118/t42/s1395i-3/ — (c)(5)(A)(ii), (B)(ii).","Status and scope":"Operative federal Medicare skilled-nursing-facility statute. OLRC text through Public Law 119-120, Oct. 7, 2026.","Access and disposition":"Opened. Supports C024. \nuscode.house.gov"},"coordinator_verification_status":"selected_primary_passages_checked_current_scope_and_history_limits","id_normalization":"Unprefixed visibleID qualified byD012; originalcell unchanged; revision-specific provenance retained.","coordinator_checked_at":"2026-10-23T02:23:54.387627+00:00","coordinator_check_evidence":"[internal evidence reference]"},{"source_id":"D012-S041","urls":["https://uscode.house.gov/us/usc/119-120/t42/s1396r/","https://uscode.house.gov/us/usc/119-120/t42/s1396r/?utm_source=chatgpt.com"],"researcher_record":{"ID":"S041","Issuer, source, URL and exact pinpoint":"Congress/OLRC, 42 U.S.C. § 1396r. https://uscode.house.gov/us/usc/119-120/t42/s1396r/ — (c)(5)(A)(ii), (B)(ii).","Status and scope":"Operative federal Medicaid nursing-facility statute. OLRC text through Public Law 119-120, Oct. 7, 2026.","Access and disposition":"Opened. Supports C024. \nuscode.house.gov"},"coordinator_verification_status":"selected_primary_passages_checked_current_scope_and_history_limits","id_normalization":"Unprefixed visibleID qualified byD012; originalcell unchanged; revision-specific provenance retained.","coordinator_checked_at":"2026-10-23T02:23:54.387627+00:00","coordinator_check_evidence":"[internal evidence reference]"},{"source_id":"D012-S047","urls":["https://www.cms.gov/initiatives/your-patient-rights/medical-bill-rights/get-help/dispute-bill","https://www.cms.gov/initiatives/your-patient-rights/medical-bill-rights/get-help/dispute-bill?utm_source=chatgpt.com"],"researcher_record":{"ID":"S047 — new","Issuer, source, URL and exact pinpoint":"CMS, Dispute a medical bill. https://www.cms.gov/initiatives/your-patient-rights/medical-bill-rights/get-help/dispute-bill — “How you qualify,” “What you need,” FAQs on administrative fees and settlement.","Status and scope":"Current federal agency PPDR instructions. Page modified Oct. 2, 2026; modification date is not the legal effective date.","Access and disposition":"Opened/read. Supports corrected C008; underlying regulations not independently audited. \nCMS"},"coordinator_verification_status":"documented_prior_selected_agency_check_reused_with_limits","id_normalization":"Unprefixed visibleID qualified byD012; originalcell unchanged; revision-specific provenance retained.","coordinator_checked_at":"2026-10-23T02:23:54.387627+00:00","coordinator_check_evidence":"[internal evidence reference]"},{"source_id":"D012-S010","urls":["https://www.ssa.gov/OP_Home/ssact/title18/1867.htm"],"researcher_record":{"ID":"S010","Source and pinpoint":"Congress, EMTALA, 42 U.S.C. § 1395dd; screening, stabilization and transfer.","URL / verification disposition":"Direct official source URL not recovered and opened in this pass. Hold."},"coordinator_verification_status":"selected_subsequent_official_access_or_attributed_reuse_remaining_scope_held","id_normalization":"Unprefixed visibleID qualified byD012; originalcell unchanged; revision-specific provenance retained.","coordinator_checked_at":"2026-10-23T02:54:23.261891+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_url_recovery":{"at":"2026-10-23T02:54:23.261891+00:00","url":"https://www.ssa.gov/OP_Home/ssact/title18/1867.htm","method":"Opened/read selected statutory compilation passages","historical_original_access_verified":false,"limit":"Selected subsequent locator/access or explicit cross-report reuse; original raw record and access assertion remain unchanged."}},{"source_id":"D012-S012","urls":["https://www.cms.gov/medicare/regulations-guidance/legislation/emergency-medical-treatment-labor-act"],"researcher_record":{"ID":"S012","Source and pinpoint":"CMS, EMTALA overview, identified as March 10, 2026 guidance.","URL / verification disposition":"Exact CMS page URL and passage not verified. Hold."},"coordinator_verification_status":"selected_subsequent_official_access_or_attributed_reuse_remaining_scope_held","id_normalization":"Unprefixed visibleID qualified byD012; originalcell unchanged; revision-specific provenance retained.","coordinator_checked_at":"2026-10-23T02:54:23.261891+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_url_recovery":{"at":"2026-10-23T02:54:23.261891+00:00","url":"https://www.cms.gov/medicare/regulations-guidance/legislation/emergency-medical-treatment-labor-act","method":"Opened/read","historical_original_access_verified":false,"limit":"Selected subsequent locator/access or explicit cross-report reuse; original raw record and access assertion remain unchanged."}},{"source_id":"D012-S013","urls":["https://www.cms.gov/priorities/key-initiatives/hospital-price-transparency/hospitals"],"researcher_record":{"ID":"S013","Source and pinpoint":"CMS, Hospital Price Transparency; 45 CFR Part 180.","URL / verification disposition":"Exact September 2026 CMS guidance page not verified. Hold."},"coordinator_verification_status":"selected_subsequent_official_access_or_attributed_reuse_remaining_scope_held","id_normalization":"Unprefixed visibleID qualified byD012; originalcell unchanged; revision-specific provenance retained.","coordinator_checked_at":"2026-10-23T02:54:23.261891+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_url_recovery":{"at":"2026-10-23T02:54:23.261891+00:00","url":"https://www.cms.gov/priorities/key-initiatives/hospital-price-transparency/hospitals","method":"Opened/read agency page","historical_original_access_verified":false,"limit":"Selected subsequent locator/access or explicit cross-report reuse; original raw record and access assertion remain unchanged."}},{"source_id":"D012-S015","urls":[],"researcher_record":{"ID":"S015","Source and pinpoint":"HHS, 45 CFR § 147.136; internal claims, appeals and external review.","URL / verification disposition":"Exact eCFR page not opened in this pass. Hold."},"coordinator_verification_status":"held_for_missing_or_unverified_exact_source","id_normalization":"Unprefixed visibleID qualified byD012; originalcell unchanged; revision-specific provenance retained.","coordinator_checked_at":"2026-10-23T02:23:54.387627+00:00","coordinator_check_evidence":"[internal evidence reference]"},{"source_id":"D012-S016","urls":[],"researcher_record":{"ID":"S016","Source and pinpoint":"Congress, MHPAEA; 42 U.S.C. § 300gg-26 and 29 U.S.C. § 1185a.","URL / verification disposition":"Exact statutory passages not reopened. Hold."},"coordinator_verification_status":"held_for_missing_or_unverified_exact_source","id_normalization":"Unprefixed visibleID qualified byD012; originalcell unchanged; revision-specific provenance retained.","coordinator_checked_at":"2026-10-23T02:23:54.387627+00:00","coordinator_check_evidence":"[internal evidence reference]"},{"source_id":"D012-S017","urls":[],"researcher_record":{"ID":"S017","Source and pinpoint":"DOL, enforcement/litigation statement concerning 2024 MHPAEA final rule.","URL / verification disposition":"Actual statement, date and operative enforcement language not retrieved. Hold."},"coordinator_verification_status":"held_for_missing_or_unverified_exact_source","id_normalization":"Unprefixed visibleID qualified byD012; originalcell unchanged; revision-specific provenance retained.","coordinator_checked_at":"2026-10-23T02:23:54.387627+00:00","coordinator_check_evidence":"[internal evidence reference]"},{"source_id":"D012-S025","urls":[],"researcher_record":{"ID":"S025","Source and pinpoint":"E.D. Tex., Cornerstone Credit Union League v. CFPB, No. 4:25-cv-00016, July 11, 2025 order/judgment.","URL / verification disposition":"Official GovInfo PDF not reopened. Prior reported vacatur not newly verified. Hold."},"coordinator_verification_status":"held_for_missing_or_unverified_exact_source","id_normalization":"Unprefixed visibleID qualified byD012; originalcell unchanged; revision-specific provenance retained.","coordinator_checked_at":"2026-10-23T02:23:54.387627+00:00","coordinator_check_evidence":"[internal evidence reference]"},{"source_id":"D012-S026","urls":["https://uscode.house.gov/us/usc/119-120/t15/s1681c/"],"researcher_record":{"ID":"S026","Source and pinpoint":"Congress, 15 U.S.C. § 1681c; veteran medical-debt provisions.","URL / verification disposition":"Statutory passage not reopened. Hold."},"coordinator_verification_status":"selected_subsequent_primary_or_historical_agency_scope_checked_remaining_application_held","id_normalization":"Unprefixed visibleID qualified byD012; originalcell unchanged; revision-specific provenance retained.","coordinator_checked_at":"2026-10-23T02:23:54.387627+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_url_recovery":{"at":"2026-10-23T03:42:20.131134+00:00","method":"Subsequent source recovery and actual selected coordinator opening; originalsessionaccessnotproven","evidence":"[internal evidence reference]"}},{"source_id":"D012-S035","urls":[],"researcher_record":{"ID":"S035","Source and pinpoint":"Congress, 25 U.S.C. § 1621u; Indian health liability-for-payment provision.","URL / verification disposition":"Statutory passage and IHS implementation not reopened. Hold."},"coordinator_verification_status":"held_for_missing_or_unverified_exact_source","id_normalization":"Unprefixed visibleID qualified byD012; originalcell unchanged; revision-specific provenance retained.","coordinator_checked_at":"2026-10-23T02:23:54.387627+00:00","coordinator_check_evidence":"[internal evidence reference]"},{"source_id":"D012-S036","urls":["https://www.consumerfinance.gov/data-research/research-reports/data-spotlight-early-impacts-of-removing-low-balance-medical-collections/"],"researcher_record":{"ID":"S036","Source and pinpoint":"CFPB, research/consumer material about voluntary nationwide credit-bureau medical-debt reporting changes.","URL / verification disposition":"Exact source and current individual bureau policies not verified. Hold."},"coordinator_verification_status":"selected_subsequent_primary_or_historical_agency_scope_checked_remaining_application_held","id_normalization":"Unprefixed visibleID qualified byD012; originalcell unchanged; revision-specific provenance retained.","coordinator_checked_at":"2026-10-23T02:23:54.387627+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_url_recovery":{"at":"2026-10-23T03:42:20.131134+00:00","method":"Subsequent source recovery and actual selected coordinator opening; originalsessionaccessnotproven","evidence":"[internal evidence reference]"}},{"source_id":"D012-S037","urls":["https://uscode.house.gov/us/usc/119-118/t26/s6050P/"],"researcher_record":{"ID":"S037","Source and pinpoint":"Treasury/IRS, 26 U.S.C. § 6050P and related reporting material.","URL / verification disposition":"Current reporting regulation and exceptions not reopened. Hold."},"coordinator_verification_status":"selected_subsequent_official_access_or_attributed_reuse_remaining_scope_held","id_normalization":"Unprefixed visibleID qualified byD012; originalcell unchanged; revision-specific provenance retained.","coordinator_checked_at":"2026-10-23T02:54:23.261891+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_url_recovery":{"at":"2026-10-23T02:54:23.261891+00:00","url":"https://uscode.house.gov/us/usc/119-118/t26/s6050P/","method":"Attributed prior coordinator evidence, not reopened in this pass","historical_original_access_verified":false,"limit":"Selected subsequent locator/access or explicit cross-report reuse; original raw record and access assertion remain unchanged."}},{"source_id":"D012-S042","urls":["https://law.justia.com/cases/california/court-of-appeal/4th/50/632.html","https://law.justia.com/cases/california/court-of-appeal/4th/50/632.html?utm_source=chatgpt.com"],"researcher_record":{"ID":"S042","Opinion, direct URL, pinpoint and date":"Podolsky v. First Healthcare Corp., 50 Cal.App.4th 632 (Cal. Ct. App., Oct. 29, 1996). https://law.justia.com/cases/california/court-of-appeal/4th/50/632.html — pp. 649–652, 657.","Verified holding and limitations":"The court reversed summary judgment involving nursing-home third-party guarantee practices. It found a proposed voluntary guarantee deceptive because important information about existing protections was omitted, and identified triable issues concerning the practices. Not a holding that every voluntary guarantee is categorically unlawful. Opened/read; later history not fully verified. \nlaw.justia.com"},"coordinator_verification_status":"researcher_opinion_reproduction_not_yet_coordinator_checked","id_normalization":"Unprefixed visibleID qualified byD012; originalcell unchanged; revision-specific provenance retained.","coordinator_checked_at":"2026-10-23T02:23:54.387627+00:00","coordinator_check_evidence":"[internal evidence reference]"},{"source_id":"D012-S043","urls":["https://law.justia.com/cases/new-york/appellate-division-second-department/2021/2017-12681.html","https://law.justia.com/cases/new-york/appellate-division-second-department/2021/2017-12681.html?utm_source=chatgpt.com"],"researcher_record":{"ID":"S043","Opinion, direct URL, pinpoint and date":"Wedgewood Care Center, Inc. v. Kravitz, 2021 NY Slip Op 04731 (N.Y. App. Div., Aug. 18, 2021). https://law.justia.com/cases/new-york/appellate-division-second-department/2021/2017-12681.html — Parts III.A–B and disposition.","Verified holding and limitations":"The court recognized potentially enforceable independent contractual duties, but required separate proof of breach, causation and damages. It modified the lower court's disposition and remitted the case. Not a final appellate determination that the entire nursing-home balance was owed by the son. Opened/read; later history unresolved. \nlaw.justia.com"},"coordinator_verification_status":"selected_primary_passages_checked_current_scope_and_history_limits","id_normalization":"Unprefixed visibleID qualified byD012; originalcell unchanged; revision-specific provenance retained.","coordinator_checked_at":"2026-10-23T02:23:54.387627+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_official_comparison_url":"https://www.nycourts.gov/reporter/3dseries/2021/2021_04731.htm","coordinator_note":"Researcherusedopinionreproduction; coordinatorseparatelyopenedofficialselectedpassages. Do notretroactivelyclaimoriginalofficialaccess."},{"source_id":"D012-S044","urls":["https://law.justia.com/cases/ohio/second-district-court-of-appeals/2020/28762.html","https://law.justia.com/cases/ohio/second-district-court-of-appeals/2020/28762.html?utm_source=chatgpt.com"],"researcher_record":{"ID":"S044","Opinion, direct URL, pinpoint and date":"Village at the Greene v. Smith, 2020-Ohio-4088 (Ohio Ct. App., Aug. 14, 2020). https://law.justia.com/cases/ohio/second-district-court-of-appeals/2020/28762.html — ¶¶ 14–20 and disposition.","Verified holding and limitations":"The court affirmed summary judgment for the resident's son. His representative capacity and express refusal to assume personal liability mattered; the facility could not impose personal liability through its asserted breach-of-contract theory on that record. Opened/read; later history unresolved. \nlaw.justia.com"},"coordinator_verification_status":"selected_primary_passages_checked_current_scope_and_history_limits","id_normalization":"Unprefixed visibleID qualified byD012; originalcell unchanged; revision-specific provenance retained.","coordinator_checked_at":"2026-10-23T02:23:54.387627+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_official_comparison_url":"https://www.supremecourt.ohio.gov/rod/docs/pdf/2/2020/2020-Ohio-4088.pdf","coordinator_note":"Researcherusedopinionreproduction; coordinatorseparatelyopenedofficialselectedpassages. Do notretroactivelyclaimoriginalofficialaccess."},{"source_id":"D012-S045","urls":["https://law.justia.com/cases/new-york/appellate-division-second-department/2022/2021-00243.html","https://law.justia.com/cases/new-york/appellate-division-second-department/2022/2021-00243.html?utm_source=chatgpt.com"],"researcher_record":{"ID":"S045","Opinion, direct URL, pinpoint and date":"Nassau Operating Co., LLC v. DeSimone, 2022 NY Slip Op 04029 (N.Y. App. Div., June 22, 2022). https://law.justia.com/cases/new-york/appellate-division-second-department/2022/2021-00243.html — pp. *1–*3, dismissal and restitution discussion.","Verified holding and limitations":"The appellate court vacated the granddaughter's default judgment, ordered restitution of seized personal-account funds, and dismissed the complaint. The asserted contract theory lacked the necessary factual support for enforceable liability in that case. Earlier characterization as simply recognizing representative duties was incomplete. Opened/read; later history unresolved. \nlaw.justia.com"},"coordinator_verification_status":"selected_primary_passages_checked_current_scope_and_history_limits","id_normalization":"Unprefixed visibleID qualified byD012; originalcell unchanged; revision-specific provenance retained.","coordinator_checked_at":"2026-10-23T02:23:54.387627+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_official_comparison_url":"https://www.nycourts.gov/Reporter/3dseries/2022/2022_04029.htm","coordinator_note":"Researcherusedopinionreproduction; coordinatorseparatelyopenedofficialselectedpassages. Do notretroactivelyclaimoriginalofficialaccess."},{"source_id":"D012-S046","urls":["https://law.justia.com/cases/new-jersey/appellate-division-unpublished/2025/a-3336-23.html","https://law.justia.com/cases/new-jersey/appellate-division-unpublished/2025/a-3336-23.html?utm_source=chatgpt.com"],"researcher_record":{"ID":"S046","Opinion, direct URL, pinpoint and date":"Bartley Healthcare, Inc. v. Ott, No. A-3336-23 (N.J. Super. Ct. App. Div., Aug. 15, 2025). https://law.justia.com/cases/new-jersey/appellate-division-unpublished/2025/a-3336-23.html — pp. 9–12.","Verified holding and limitations":"The court vacated the summary-judgment orders and remanded because adequate findings were missing. It explained that the New Jersey guarantee prohibition does not categorically immunize independently undertaken obligations or other wrongful conduct. Expressly nonprecedential under N.J. Rule 1:36-3; no final liability determination. Opened/read; later history unresolved. \nlaw.justia.com"},"coordinator_verification_status":"researcher_opinion_reproduction_not_yet_coordinator_checked","id_normalization":"Unprefixed visibleID qualified byD012; originalcell unchanged; revision-specific provenance retained.","coordinator_checked_at":"2026-10-23T02:23:54.387627+00:00","coordinator_check_evidence":"[internal evidence reference]"}],"coverage":[{"topic":"Nursing-facility third-party guarantees","researcher_record":{"Coverage subtopic":"Nursing-facility third-party guarantees","Status":"Answered — federal baseline","Claims":"C024, C052","Missing evidence / next action":"Facility classification and state-law application"},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Resident-fund representative agreements","researcher_record":{"Coverage subtopic":"Resident-fund representative agreements","Status":"Answered — federal baseline","Claims":"C024, C051","Missing evidence / next action":"Actual agreement and representative authority"},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Independent family-member liability","researcher_record":{"Coverage subtopic":"Independent family-member liability","Status":"Partial","Claims":"C024, C055, C056","Missing evidence / next action":"Subsequent case history, controlling state law, contract"},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"CFPB nursing-home circular status","researcher_record":{"Coverage subtopic":"CFPB nursing-home circular status","Status":"Answered","Claims":"C050","Missing evidence / next action":"None for withdrawal status"},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Judicial treatment of representative duties","researcher_record":{"Coverage subtopic":"Judicial treatment of representative duties","Status":"Partial","Claims":"C055, C056","Missing evidence / next action":"Official opinion copies and later history"},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"PPDR eligibility, fee and settlement treatment","researcher_record":{"Coverage subtopic":"PPDR eligibility, fee and settlement treatment","Status":"Partial","Claims":"C008","Missing evidence / next action":"Underlying regulations and any conflicting effective provisions"},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Nonprofit hospital financial assistance","researcher_record":{"Coverage subtopic":"Nonprofit hospital financial assistance","Status":"Partial","Claims":"C018","Missing evidence / next action":"Facility-specific FAP and regulatory audit"},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Amounts generally billed","researcher_record":{"Coverage subtopic":"Amounts generally billed","Status":"Partial","Claims":"C010","Missing evidence / next action":"Facility-specific AGB methodology and underlying regulatory audit"},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"EMTALA screening and stabilization","researcher_record":{"Coverage subtopic":"EMTALA screening and stabilization","Status":"Unresolved in this pass","Claims":"S010, S012","Missing evidence / next action":"Open official statute and current CMS materials"},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Hospital price transparency","researcher_record":{"Coverage subtopic":"Hospital price transparency","Status":"Unresolved in this pass","Claims":"S013","Missing evidence / next action":"Retrieve exact CMS guidance and operative rule"},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Insurance claims and appeals","researcher_record":{"Coverage subtopic":"Insurance claims and appeals","Status":"Unresolved in this pass","Claims":"S015","Missing evidence / next action":"Open operative regulatory provisions"},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Mental-health parity","researcher_record":{"Coverage subtopic":"Mental-health parity","Status":"Unresolved in this pass","Claims":"S016, S017","Missing evidence / next action":"Verify statute and DOL enforcement status"},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Medical-credit-reporting rule vacatur","researcher_record":{"Coverage subtopic":"Medical-credit-reporting rule vacatur","Status":"Unresolved in this pass","Claims":"S025","Missing evidence / next action":"Open judgment and verify subsequent proceedings"},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Veteran medical-debt reporting","researcher_record":{"Coverage subtopic":"Veteran medical-debt reporting","Status":"Unresolved in this pass","Claims":"S026","Missing evidence / next action":"Read exact statutory exceptions"},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Indian health payment liability","researcher_record":{"Coverage subtopic":"Indian health payment liability","Status":"Unresolved in this pass","Claims":"S035","Missing evidence / next action":"Read statute and IHS materials"},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Voluntary credit-bureau reporting changes","researcher_record":{"Coverage subtopic":"Voluntary credit-bureau reporting changes","Status":"Unresolved in this pass","Claims":"S036","Missing evidence / next action":"Verify each bureau's current policy"},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Cancellation-of-debt information reporting","researcher_record":{"Coverage subtopic":"Cancellation-of-debt information reporting","Status":"Unresolved in this pass","Claims":"S037","Missing evidence / next action":"Verify Treasury regulation and exceptions"},"coordinator_acceptance":"not_yet_reviewed"}],"annotations":{},"corrections":[],"resolved_corrections":[],"review_history":[]}