Many people assume that having insurance automatically means they are fully protected. In real life, coverage can behave very differently than expected during illness, emergencies, caregiving transitions, or financial stress—when clarity matters most. This course helps participants understand the difference between having coverage and having meaningful protection.

Participants will explore:

 ✔️ Common assumptions people make about insurance—and why those assumptions can be risky

 ✔️ The difference between coverage, benefits, and real-world protection

 ✔️ How deductibles, copays, out-of-pocket limits, and exclusions affect financial exposure

 ✔️ Why coordination between different types of insurance matters more than many people realize