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Currently, Chase only allows customers to hold one card or the other, so you’ll have to choose between the Sapphire Preferred or Sapphire Reserve. The Reserve, which has a significantly higher annual fee, comes with a few extra travel benefits that may make the higher annual fee worth paying for some people. However, more expensive doesn’t necessarily mean better in all cases. For some cardholders, the Preferred remains a better choice.

Whether you should upgrade to the Chase Sapphire Reserve® or not depends on your spending habits and how often you expect to use the included benefits.

Though everyday purchases in unbonused categories earn 1 Chase Ultimate Reward® point per dollar spent on both cards, the Chase Sapphire Reserve® offers additional points on a handful of categories.

Chase Sapphire Reserve® cardholders who are willing and able to book hotel and/or car rental reservations through Ultimate Rewards travel will earn 10 points per dollar spent, double that of the Chase Sapphire Preferred® Card. A customer who uses this feature frequently will see substantial rewards gains over the course of the year thanks to the generous earnings. Other travel purchases earn 3 points per dollar instead of 2 points per dollar, which can still add up on large purchases.

Notably, only the Chase Sapphire Reserve® offers a Priority Pass membership to cardholders. Members have access to over 1,300 airport lounges worldwide, which typically include complimentary Wi-Fi, food, beverages and other amenities while on-site.

Day passes to lounges typically cost around $50 per person, so frequent users of this benefit could save hundreds of dollars annually when upgrading to the Chase Sapphire Reserve®.

Both credit cards offer an incentive for redeeming your Ultimate Rewards points toward travel booked through the Chase portal. Instead of being worth 1 cent per point (like it would with cash back or statement credits), you’ll get a bonus on every travel redemption.

The Chase Sapphire Preferred® Card offers a 25% bonus, making points worth 1.25 cents each when redeemed for travel. The Reserve, on the other hand, offers a 50% bonus for a 1.5 cent per point valuation. On small redemptions, this won’t make much of a difference but it adds up if you consistently choose this type of reward.

The Chase Sapphire Reserve® includes up to $300 in statement credits to reimburse travel purchases charged to the card. This is significantly more than the $50 offered on the Chase Sapphire Preferred® Card—and much more flexible since the Preferred credit is only valid on hotel stays booked through Ultimate Rewards. Do keep in mind that some “travel” expenses, such as theme park tickets, may not code as travel and therefore won’t qualify for the credit.

The Reserve also includes credits toward trusted traveler programs (such as Global Entry) and more generous travel protections for trips charged toward the card.

There’s a huge disparity between the annual fees on the Chase Sapphire Preferred® Card and Chase Sapphire Reserve®. The Preferred costs a competitive $95 per year while the Reserve costs $550 per year.

Travelers may consider the cards’ ability to earn statement credits toward select travel as good as cash. In that case, the true out-of-pocket cost on the Preferred is $45 annually while the Reserve is $250. No matter how you calculate your annual expenses, there’s no disputing the Reserve is more expensive and must be paid in full each year.

Though the Reserve offers a stronger earning structure for most travel purchases, the Preferred has its own advantages on earning rates. Select online grocery purchases and streaming services (such as Spotify or Netflix) earn 3 points for every dollar spent; on the Reserve, they are treated as non-bonused spend at only 1 point per dollar spent.

Perhaps more importantly, the Chase Sapphire Preferred® Card gives cardholders bonus points each account anniversary upon renewal. Cardholders earn bonus points equal to 10% of your total purchases made the previous year.

Essentially, that means all purchases earn 1.1 points per dollar spent, with categories like dining clocking in at 3.3 points per dollar spent. It all adds up, especially for high spenders.

One of the Chase Sapphire Reserve®’s better selling points is that you can earn 50% more value when redeeming points toward travel booked through Chase Ultimate Rewards. However, this perk only matters if you make that type of redemption. Similarly, not all cardholders will value the Priority Pass lounge membership or the Global Entry/TSA PreCheck application fee credit. Cardholders who prefer to transfer points directly to travel partners will get the same 1:1 ratio regardless of which card they hold.

Like many premium travel cards, the Chase Sapphire Reserve® offers benefits including credits toward Global Entry or TSA PreCheck application fees and Priority Pass membership. There’s no denying these benefits can be valuable. However, if you already have another card offering identical benefits, they might not be worth paying for twice.

As always, when comparing the true cost of a new credit card, benefits should only be counted at your personal valuation.

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Check with your insurer to find out if these options are available. People in Texas who obtain medical malpractice insurance from licensed insurers are protected by the Texas Property and Casualty Insurance Guaranty Association for up to $300,000 per claim, if the insurer becomes insolvent. Check the status of your Guarantee Fund with a group purchase insurer. See the discussion below on buying groups.

View licensed medical liability insurers at Texas Admitted Professional Liability Insurers. If you have a complaint, call your agent or your insurer. Insurers include a toll-free number in their policies. You can call TDI's Consumer Information Line at 800-252-3439 and request a complaint form.

Alternatively, visit the TDI Insurance Complaint Process website and follow the instructions to file a complaint online. Texas Medical Liability Insurance Underwriting Association (JUA) - established by the legislature in 1975 to insure physicians and other eligible health care providers who unable to obtain insurance on the voluntary market. To check if an insurer has legal capacity in Texas, call our toll-free Consumer Protection line at 800-252-3439, or visit the Company Profiles website at Insurance Finder. An "occurrence" policy covers claims arising from events that occur while the policy is in force, regardless of when the claim was made. TMLT submits its prices and policy forms to TDI for informational purposes only. TMLT submits an audited annual financial statement to the Texas Department of Insurance for review.

However, the fund does not participate in the surety association. Visit the TMLT website at www.tmlt.org/tmlt.html. Medical liability insurance, commonly known as medical malpractice insurance, covers a medical provider against errors arising from medical practice. These policies pay defense costs and generally cover claims for medical error or malpractice, even if the claims are false or unsubstantiated. However, intentional and criminal acts are not covered, although some policies may pay defense costs until the nature of the underlying act is determined.

There may also be arrangements that can be made if the health care provider is called to active duty in the armed forces. Licensed Insurance Carriers: TDI regulates the policy forms and prices of licensed health insurance carriers. Medical liability policies offered by licensed insurers must contain the following legislatively mandated provisions: Texas Medical Liability Trust (TMLT) - Established under a 1977 statute that authorizes a statewide association of physicians or dentists to create a fund for their members who are self-insured. The Texas Medical Association created the TMLT in 1978 for this purpose.

By statute, only members of the founding association can obtain TMLT insurance. If you change insurers, be sure to take steps to prevent gaps in coverage. Buy either extended coverage ("extended period," also known as tail coverage) from the old insurer or buy past event coverage (also known as nose coverage or retroactive coverage) from the new insurer. Past event coverage establishes a retroactive date, which allows the current policy to provide coverage to the original effective date of your first policy.

A "claims-made" policy covers claims reported during the term of the policy if the event occurred after the effective date of the first policy issued. The policy may specify a retroactive date to cover those events that occur before the original effective date. TDI regulates the forms and prices of JUA policies. JUA does not participate in the bonding association, but its member and insured insurers can be evaluated to maintain solvency. Information about JUA is available in the JUA Resources area of ​​the TDI website.

Make sure you have extended coverage (tail coverage). Plan ahead because coverage is expensive and can cost 1.5 to three times more than an annual premium. Chapter 59 of the Education Code allows the establishment of separate self-funded plans to cover the professional liability of medical staff or students of certain institutions: University of Texas System, Texas A & M University System, Science Center Medical Schools at Texas Tech University and the University of North Texas Health Sciences Center in Fort Worth. These funds are not subject to the Insurance Code and are not regulated by the Texas Department of Insurance. Nor do they participate in the bonding association.

Medical staff should contact their individual university for information. Most insurers have a plan that allows an insured to receive free extended run-off coverage in exchange for continued coverage for a set period of time (usually five years or more). when you reach retirement age and stop practicing the profession permanently. These statutorily created entities also offer medical malpractice insurance: There are four types of insurers that may offer medical liability insurance to health care providers in Texas. They are mentioned here below.

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