# Therapists & Counselors — Coverage Checklist

*Networks, from the other side.* Work through this before you shop or renew.

## Get your number right
- [ ] Start from: practice revenue (full year)
- [ ] A ramping caseload is not a full-year number — estimate the calendar year you are actually being asked about.
- [ ] 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: A 60-day window after leaving an agency that is easy to misjudge
- [ ] Have an answer for: COBRA priced without comparing a subsidized marketplace plan
- [ ] Have an answer for: Estimating a full year off a caseload that is still building
- [ ] Have an answer for: Assuming professional liability cover has any bearing on personal health coverage

## Fast facts to remember
- **60 days** — after agency coverage ends
- **COBRA** — price it — never default to it
- **Parity** — mental-health benefit rules

## 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.