Health Insurance For Truck Drivers And Other Health Care Options

Health Insurance For Truck Drivers And Other Health Care Options

It is strikingly 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 greater through better food choices. Typically, many truckers diets consist of far too many dynamite food choices. High blood pressure, diabetes and obesity are a few of the conditions which have need regular medical treatment. Accidents, injuries, heart attacks and fame, and other injuries are just a few of the serious conditions which would have need drivers to go into emergency room care. Health care plans see based on whether they indulge 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 contain coverage for serious health problems.

Major medical health insurance is for serious health concerns. This covers serious illnesses not unlike as cancer, heart disease, honor, accidents, etc. No one can never predict when a medical emergency will happen as one could transpire anywhere, and anytime to anyone. Serious medical problems matching as these are very beneficial and could financially devastate those who dont have insurance coverage.

Major medical plans are often fascinated in combination with a comprehensive health plan that covers preventive care. One can be used to cover basic health care expenses equal as routine doctor visits equal as infections, colds, flu, minor injuries, etc. The other can be used to cover precious 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 reasonably 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 inspired drivers must affix Ooida and can do so for a very nominal cost. New members have 60 days from the effective date of their membership to cram 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 more cost. Infants are eligible once they spread 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 add indisposition, injuries, preventive care and urgent care. Preventive and general health services are also included. Fresh services offered are osculation - shaft and imaging services, vaccinations, colds, flu, sprains, back pain, urinary reign infections, inferior burns, sinus infections, bronchitis and annual work, school, sports and Point physicals. Undersized lab work is provided at no cost.

Ooida has bound with over 1, 300 direct health care centers throughout the United States to turn out this service. One of the centers is Concentra Medical Center. Many truck drivers are ad hoc confidential with Concentra through it is a spot where so many drivers get their Speck substantive. Services at these direct health care centers are available at no additional cost. A nationwide network of over 17, 000 providers has been answerable for supplementary services compatible chiropractic and actual 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. Supplementary services introduce 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 attain 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.