guides Benefit Schedule vs. Reimbursement: The 'Hidden Cap' Trap
Why 'Benefit Schedule' plans are disappearing and why you should avoid them. Understand the difference between fixed payouts and invoice coverage.
Dr. Sarah Chen
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Insurance 101
Explore 3 articles about Insurance 101
guides Dr. Sarah Chen 
analysis The 'Co-Pay' Clause: The 20% Tax Hiding in Your Claims
Deductible vs Co-Pay vs Reimbursement. We explain the 'Hidden Math' that turns a $100 deductible into a $500 bill.
Michael Torres 
guides Pet Insurance Waiting Periods: Why You Can't Buy It 2 Days Before Surgery
Understanding the 14-day illness wait, the 6-month orthopedic wait, and why buying insurance 'too late' is the #1 reason for denial.
Dr. Sarah Chen