Category 02 · Nexus letters & IMOs

Medical evidence services: what you are actually buying

In this category you pay a clinician to review your records and, if the evidence supports it, write an opinion connecting your condition to service. You are buying the review — not the conclusion, and not the decision. Understanding that distinction is the difference between a useful few hundred dollars and a wasted few thousand.

Represents you?
No
Who decides content
The clinician
Cost structure
Per document
Refund if denied
Usually none
Free alternative
Sometimes — VA exam
Last reviewed
Sep 3, 2026

Check this first: if VA has scheduled or already conducted a C&P exam, and your treating provider is already documenting the condition, you may not need to buy an opinion at all. A free VSO rep can tell you whether your record already has the link.

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What this category does

  • Record review. A licensed clinician reads your service treatment records, current treatment notes, and any prior exams.
  • Nexus opinion. If the evidence supports it, a written opinion stating whether the condition is at least as likely as not related to service, with reasoning.
  • Secondary-condition opinions. Linking one service-connected condition to another that developed from it.
  • Severity documentation. Some services complete DBQ-style forms or write to the specific rating criteria for a condition.

What it cannot do

  • Represent you. An evidence vendor is not accredited and is not your representative before VA.
  • Promise a favorable opinion. A clinician who cannot decline to write one is not writing an independent opinion — and VA reads for reasoning, not conclusions.
  • Outrank the rest of your file. An opinion is one piece of evidence weighed against everything else in the record.
  • Fix a missing diagnosis or missing records. No opinion substitutes for a current diagnosis and a documented in-service event.
The comparison that matters

Six things to check before you pay for an opinion

Ask every vendor in this category the same six. The answers should be in writing, before payment.

What to checkWhy it mattersWhat a good answer sounds like
Who signs itVA weighs the qualifications and reasoning of the person giving the opinion.A named, licensed clinician, with credentials and a specialty you can verify with the state board.
Can they say noAn opinion that was guaranteed before the review is worth less to VA, not more.“If the records do not support a link, we will tell you — and here is what happens to the fee.”
Total pricePer-condition pricing multiplies quickly across a multi-issue claim.A written quote per condition, plus the price of revisions and addenda.
Refund termsMost fees are for the review, and the review happened regardless of the outcome.A refund policy in the agreement, not a verbal assurance on a call.
What they need from youA clinician cannot link what they never saw. Incomplete records produce weak opinions.A specific records list — STRs, current treatment notes, prior exams, and your own statement.
Records handlingYou are sending your full medical history to a third party.Named storage, a retention period, and a deletion path you can actually use.
Where we sit in this category

We draft it. We do not sign it.

VeteranAI does not employ clinicians and does not sell medical opinions. What we do here is narrower, and different in kind: we read your records and draft the letter — the diagnosis, the service link, VA's “at least as likely as not” standard, and a rationale argued from the medical literature with a citation behind every line.

The medical judgement is not ours. Your own clinician reviews the draft, edits it to match what they actually believe, and signs it — or declines to. A vendor in this category sells you the finished opinion; we sell software that prepares the draft, and the opinion stays your clinician's to give or withhold.

Our boundary here
  • We show you what is already documented in your STRs and treatment notes.
  • We draft the letter itself — cited line by line, with instructions for your provider on what to verify, change, or strike.
  • We help you write your own statement of symptoms and timeline for a clinician to review.
  • We do not sign, sell, or broker medical opinions, we do not employ clinicians, and we do not refer for a fee.
  • If you need an opinion, your own treating provider is the first place to ask — they already know your history, and they may charge nothing.

We do not publish price ranges for individual evidence vendors unless the vendor publishes them itself. When one does, the number appears on that vendor's review page with a source link and the date we checked.

Brands in this category

Company-by-company reviews

We publish a brand page only when every factual line on it has a primary source and a date we checked it. That is why this list is short and why it grows slowly.

Each review covers published prices, guarantee terms, accreditation status, privacy terms, and public record — and says plainly who the company is a good fit for.

Print this. Bring it to the call.

Ten questions to ask before you pay anyone

These apply to us too. If a company will not answer any one of them in writing, that is your answer.

  1. Are you accredited by VA to represent me? If not, who actually files my claim?Only accredited attorneys, agents, and VSO reps may represent you. Everyone else — including us — is a tool or a service you use while you represent yourself.
  2. What is the total price in dollars, and what triggers it?Ask for a number, not a range and not a "depends." If the price is not published where you can read it before you talk to a salesperson, ask why.
  3. Is any part of the fee tied to my back pay or my monthly increase?A fee stated as a multiple of your first monthly increase is still a percentage of your benefits. Do the multiplication before you sign.
  4. What happens to the fee if my claim is denied?Get the answer in the agreement, not from the person selling it to you.
  5. Can I cancel? When, how, and what do I get back?Ask what happens to work already delivered, and whether cancelling requires a phone call.
  6. Who writes the medical opinion, are they licensed, and can they decline to write one?A clinician who cannot say no to writing an opinion is not giving an independent opinion — and VA weighs opinions on their reasoning, not their letterhead.
  7. What am I signing? Arbitration, assignment of benefits, recurring charges?Read the whole agreement. Ask for a copy to keep before you sign it, not after.
  8. Where does my C-file go, who reads it, and can I delete it?Your file holds your medical history. Ask about retention, human review, and deletion — and ask it of every vendor, including software.
  9. Did you tell me, unprompted, that accredited VSOs do this for free?Anyone charging you should be able to explain what you are buying that the free path does not give you.
  10. Can you promise, in writing, what you will never do — including contacting VA as me?A clear list of limits is a better signal than a long list of promises.
FAQ

About this category

Do I need a nexus letter?

Not always. A nexus opinion matters when the connection between service and your current condition is not already established in your records. If the condition is presumptive, or your service treatment records already document the injury and your current provider documents the diagnosis, you may be buying something your file already has.

Can a nexus letter guarantee my claim is granted?

No, and anyone saying otherwise is selling, not advising. The opinion is evidence. VA weighs it against the whole record, and a short conclusory letter carries less weight than a reasoned one that cites your records by name.

Are the fees refundable if I am denied?

Usually not. The fee generally covers the clinician's review and opinion, which happened either way. Ask for the refund terms in the written agreement before you pay, and ask specifically what happens if the clinician declines to write a favorable opinion.

Does VeteranAI write nexus letters?

We write the draft; we do not hold the medical judgement. From the records you upload we produce a complete letter — the diagnosis, the service link, VA's “at least as likely as not” standard, and a rationale argued from PubMed and NIH literature with the citation behind every line. It goes to your own clinician with instructions on what to verify, change, or strike. It becomes a medical opinion only when they sign it, and that call is theirs. We do not employ clinicians, we do not sell opinions, and we never send anything to VA.

Find out what your record already says

Before you pay for an opinion, read the file. You may already have the link — or know exactly which gap to close. What a nexus letter has to prove.

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