Plain English, because you have enough to read.
This is not professional advice
Everything here, including the binder, is an organizing tool and a personal account. It is not medical, legal, tax or insurance advice. I am not a doctor, a lawyer, an accountant or an insurance agent.
Coverage rules change and vary by plan, by state and by item. Verify anything that matters with the plan itself, and with a professional where the stakes justify it.
Digital products
The binder is a digital download. Because it is delivered instantly and cannot be returned, sales are final. If a file will not download or will not open, tell me and I will fix it or refund you.
Your own copy
Buy the binder and you may print it as often as you like for your own family. Please do not resell it or hand the file on to strangers.
Reaching me
There is a contact address on the site. I answer, though not always quickly.