Health Insurance For Truck Drivers And Other Health Care Options

Health Insurance For Truck Drivers And Other Health Care Options

It is exceedingly important that commercial truck drivers have some type of medical care plan due to the high rate of illnesses and injuries that they sustain. Most commercial truck drivers health is not the best and could be exceptional through better food choices. Typically, many truckers diets consist of far too many serious food choices. High blood pressure, diabetes and obesity are a few of the conditions which wish regular medical treatment. Accidents, injuries, heart attacks and renown, and other injuries are just a few of the serious conditions which would need drivers to research emergency room care. Health care plans prize based on whether they replenish regular health insurance or major medical health insurance.

Regular health insurance covers basic routine procedures. This includes regular exams and routine illnesses. This also includes colds, flu shots, vaccinations, ear infections, minor injuries, etc. It does not subsume coverage for serious health problems.

Major medical health insurance is for serious health concerns. This covers serious illnesses allying as cancer, heart disease, regard, accidents, etc. No one can never predict when a medical emergency will materialize as one could befall anywhere, and anytime to anyone. Serious medical problems agnate as these are very precious and could financially devastate those who dont have insurance coverage.

Major medical plans are often partial in combination with a comprehensive health plan that covers preventive care. One can be used to cover basic health care expenses relating as routine doctor visits approximative as infections, colds, flu, minor injuries, etc. The other can be used to cover hot property emergency room visits and the treatment of serious diseases and long - term illnesses.

Many commercial truck drivers, especially independent operators dont have any health insurance plan. Fortunately, a new plan offered by Ooida can help by offering a basic health care plan. Ooida has introduced a plan called My Community Care. This is not an insurance plan but fairly a membership program which provides medical care for injuries or illnesses as well as preventive health and wellness services. This does not cover life - threatening conditions or serious injuries. This health plan is available to truck drivers and their families.

This is a membership based program so those gone drivers must knit Ooida and can do so for a very nominal cost. New members have 60 days from the effective date of their membership to become able in the My Community Care Program. The open enrollment for the My Community Care program for current members has been extended until May 31, 2012. The cost for this program is $89. 00 per month. That is your only cost for most services. All visits to the center for you and your family are provided at no further cost. Infants are eligible once they distance six months of age. Adult children are covered through the age of 26. There are no exclusions for pre - existing conditions. There are no deductibles or co - pays at the direct health care centers. This is naturally a very affordable option for many drivers.

Services subsume illness, injuries, preventive care and urgent care. Preventive and general health services are also included. Supplementary services offered are butterfly - dtreak and imaging services, vaccinations, colds, flu, sprains, back pain, urinary reign infections, lower burns, sinus infections, bronchitis and annual work, school, sports and Dot physicals. Young lab work is provided at no cost.

Ooida has held with over 1, 300 direct health care centers throughout the United States to maintain this service. One of the centers is Concentra Medical Center. Many truck drivers are just now recognized with Concentra seeing it is a locale where so many drivers get their Mark it. Services at these direct health care centers are available at no more cost. A nationwide network of over 17, 000 providers has been in charge for more services consistent chiropractic and absolute therapy. These services are available to members at a 25 % to 30 % discount. Discounts are available on eyewear including contact lenses, prescription drugs, dental care and diabetic care supplies. Discounts are also available for MRI and CT scans. Fresh services include a 24 hour nurse - doctors hotline. Not all services are available at all locations.

All commercial truck drivers that are Ooida members are eligible to sign up for this program. Many uninsured drivers and their families have postponed or gone without basic medical care even when ill due to a shortage of funds. With this plan all of them could secure basic health care when needed. Although, this is not an insurance program it is a program which drivers can access and have some calmness of mind knowing that they and their family members can get basic health care at a very nominal cost.