# Plumbers & Pipefitters — Coverage Checklist

*Your own emergency, priced in.* Work through this before you shop or renew.

## Get your number right
- [ ] Start from: service calls & contracts billed (full year)
- [ ] Emergency-heavy months average into the year — update the application when a commercial contract changes the slope.
- [ ] 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: Estimating from big-invoice months instead of the truck’s real net
- [ ] Have an answer for: Fund eligibility lapsing mid-injury or mid-move
- [ ] Have an answer for: Owner comp exemptions leaving job injuries personally funded
- [ ] Have an answer for: Plans chosen on premium with no look at ortho and imaging access

## Fast facts to remember
- **Truck net** — not the invoice total
- **Fund gaps** — bridge with the 60-day window
- **Ortho + imaging** — the benefits this trade uses

## 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.