1) U.S. Healthcare System Literacy (Your Financial Shield)

The U.S. healthcare system can bankrupt you if you don't understand the rules. Unlike most countries, healthcare here is a private market where prices are hidden, insurance is complex, and one wrong decision can cost you thousands. This section teaches you to navigate the system like an insider—getting the care you need without destroying your finances.

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Understand healthcare structure (know who to see and when)

In America, you don't just 'go to the doctor.' You have to know which type of doctor to see. Primary Care Physician (PCP) is your main doctor for checkups and general health—build a relationship with one. Specialists (cardiologist, dermatologist, etc.) require a referral from your PCP in most insurance plans. Urgent Care ($150-250) is for non-emergency issues: fevers, minor cuts, infections. The Emergency Room ($1,500-3,000+) is ONLY for life-threatening situations—chest pain, severe bleeding, can't breathe. Here's the critical insight: 'in-network' vs 'out-of-network' matters more than the listed price. An in-network doctor visit might cost you $30; the same visit out-of-network could be $300. Always verify your provider is in-network before booking.

1) U.S. Healthcare System Literacy (Your Financial Shield)

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