# Personal Trainers & Fitness Instructors — Coverage Checklist

*Protect the asset — you.* Work through this before you shop or renew.

## Get your number right
- [ ] Start from: training income (all gyms + private clients)
- [ ] If months without training would be a serious problem, disability coverage is the product that addresses lost income.
- [ ] Add all other household income (spouse W-2, side work) — the marketplace wants one combined figure

## The traps in your line of work
- [ ] Have an answer for: Several 1099s plus cash clients to total up
- [ ] Have an answer for: An injury that stops both recovery time and income at once
- [ ] Have an answer for: Plans with weak physical therapy benefits
- [ ] Have an answer for: Assuming the gym covers you when you are contracted rather than employed

## Fast facts to remember
- **Several 1099s** — total them all
- **PT visits** — compare the caps
- **Disability** — covers lost income — health plans do not

## Before you enroll
- [ ] List your doctors and check them against the plan network
- [ ] List prescriptions and check the formulary
- [ ] Compare at least two plans on deductible AND network, not premium alone

Full guide: https://bishopplans.com/health-insurance-for/ · Tools: https://bishopplans.com/health-insurance-for/tools/
Free to share. Not legal or tax advice.