# Veterinarians & Relief Vets — Coverage Checklist

*Relief work, steady coverage.* Work through this before you shop or renew.

## Get your number right
- [ ] Start from: relief / practice income (full year)
- [ ] A corporate W-2 offer resets the math — compare total compensation, not just salary.
- [ ] 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: Relief schedules with a different clinic every week and no plan at any of them
- [ ] Have an answer for: Owner premiums paid outside payroll, forfeiting the deduction
- [ ] Have an answer for: Losing techs to corporate consolidators with benefits packages
- [ ] Have an answer for: Debt service that keeps running when clinical work stops

## Fast facts to remember
- **Relief = 1099** — no clinic owes a plan
- **Via payroll** — S-corp premium rule applies
- **Debt service** — runs when hands stop — disability

## 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.