Truckers are constantly on the road, often traveling during peak traffic times, so the need for health insurance is great. So, which health insurance is best for truckers? All insurance companies are different, so it is important to do research and choose wisely. This article includes a list of the best health insurance companies for truckers.
When it comes to the best health insurance for truck drivers, you have many options. Depending on the type of trucker you are, you might have no insurance or only the bare minimum.
Truck drivers have a lot to deal with behind the wheel, but health and health insurance shouldn’t be one of them. Before hitting the open road, make sure you have the best coverage for health insurance with Cover Me Insurance Agency. With competitive rates and a variety of plans, Cover Me Insurance Agency’s health insurance plans are designed with you in mind. You can get the coverage you need at a price you can afford.
Most truckers know that insurance costs are a major part of the hauling industry. Truckers have it tough, working long hours in often dangerous conditions, which means they have to make adjustments to their everyday expenses. So, when is it best to get health insurance for truck drivers?
Short Term Health Insurance
If you’re a trucker, you’re probably aware of your lack of health options if your illness isn’t accidental or sudden. While long-term health options may be somewhat better, they’re really not ideal. Short term health insurance is best suited for the truck driver who needs a safety net and can’t afford expensive long-term health options, or for a trucker who enters a high risk bracket (such as smokers) and needs insurance for a certain amount of time.
Finding short term health insurance for a truck driver can be difficult. Truck drivers face many risks on the road, from reckless driving, to severe weather conditions. If an accident happens, and a driver is injured, he may not be able to work, possibly for weeks. Medical bills can add up quickly, and without insurance, the driver might find it hard to pay his expenses. Fortunately, there are short term health insurance plans in place for truckers and other workers in dangerous occupations, that can help cover injuries or illnesses that occur on the road.
Long Term Health Insurance
With the cost of health care on the rise, more and more people are turning to obtaining long term health insurance to protect themselves from the cost of unexpected medical costs. Health care costs can be a concern for truck drivers since they spend a lot of time on the road. If a driver suffers an illness or an accident, the average cost of treatment is over $8,000. Having long term health insurance can help protect drivers from these costs.
Drivers who haul freight for a living have unique health needs. After all, hauling freight means long periods of inactivity, which can have a negative impact on your quality of life. Fortunately, there are a number of options when it comes to health insurance for truck drivers. So it’s wise to plan ahead now and look into your options before an accident takes place.
Health Insurance for Truck Drivers
When you become a full-time truck driver, you’re also responsible for finding adequate health insurance. Starting Jan. 1, 2019, the Labor Department’s Final Rule on Regulations for Motor Carrier Employees (also known as the ELD Rule) will require all commercial truck drivers to log their hours using a digital ELD (Electronic Logging Device). This mandate is designed to improve safety and keep truck drivers and other drivers safer on the roads by tracking hours.
The trucking industry is critical to the transportation industry, and truck drivers are a valuable part of that. Without truck drivers, goods couldn’t get from point A to point B in a timely manner or at all. But what many people don’t realize is that truck drivers are at high risk for accidents, and these accidents can have serious consequences.
In conclusion, Truckers can save money on their health insurance premiums by taking advantage of various discounts. Some of these discounts include joining a trucking association or belonging to another organization. Another discount is to belong to a long-term care (LTC) plan. This discount can be combined with any other discount.
The Trucker Plan from Cover Me Insurance Agency offers several benefits. The plan provides major medical coverage, disability and accidental death/dismemberment insurance, and it gives drivers the freedom to work where they want. This plan also allows drivers to select their deductibles and out-of-pocket expenses, and it offers a choice of doctors. It also offers a 15% discount for family members, and this plan is very affordable. Drivers who want to learn more about The Trucker Plan should visit their profile.