Truck Drivers and Owner-Operator Drivers may want to consider group health insurance options. When you’re on the road, you don’t want an accident to put a financial strain on your family and loved ones. Having health insurance is a great way to insure that should the worst happen, you’ll be covered.
The number one cause of bankruptcy in the United States is health expenses. The best way to avoid this situation is to hope for the best, but prepare for the worst. Group health insurance for truckers is the best way to get peace of mind and to stop worrying about your health, so that you can pay attention on the road.
There are a number of affordable group health insurance options for W2 and 1099 Truck Drivers. When you’re on the road for most of the year, it can be difficult to schedule regular check-ups or medical appointments. Using group insurance providers who also have on-the-go consultation features can deliver the service you need no matter where you are.
Why Group Health Insurance?
While truck drivers have the 10th most dangerous profession in the country, group health insurance allows independent owner-operators and drivers to band together and look out for each other.
If you aren’t healthy enough, or otherwise don’t qualify for individual health insurance, you may want to consider group health insurance. Group health insurance will give you a lower rate, and will not exclude or give you a ridiculously high rate based on pre-existing medical conditions. When working with a truck driving company, or with a collective group of owner-operators, this is a great way to insure that no one will be turned down for individual health reasons or conditions. Group Health Insurance can be more affordable and more comprehensive than individual health insurance or short-term health insurance.
Some group health insurance plans even offer no co-pays, coverage to the cost of surgery, and no pre-insurance medical questions or examinations. Vision and dental plans can also be given as low as $30 or less a month.
Groups to Consider
The Independent Truck Drivers Group is based in Memphis, Tennessee, and was founded in 1997. They are a group that allows individual owner-operator truck drivers to join for a low fee. They provide free 24/7 consultation with a doctor through a program called AmeriDoc, so that you can get the medical consultation you need no matter where you are on the road.
The Owner Operator Independent Drivers Association also offers a group health insurance plan for independent drivers, including a Limited Medical Plan. Another option are services offered by Blue Cross Blue Shield or Humana, which may offer a Truck Drivers Health Insurance Direct group health insurance plan.