Health Insurance For Truck Drivers And Other Health Care Options

Health Insurance For Truck Drivers And Other Health Care Options

It is very important that commercial truck drivers have some type of medical care plan due to the high degree of illnesses and injuries that they sustain. Most commercial truck drivers health is not the best and could be more useful through better food choices. Typically, many truckers diets consist of far too many touchy food choices. High blood pressure, diabetes and obesity are a few of the conditions which require regular medical treatment. Accidents, injuries, heart attacks and distinction, and other injuries are just a few of the serious conditions which would require drivers to scout emergency room care. Health care plans notice based on whether they furnish 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 bear coverage for serious health problems.

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

Major medical plans are often lured in combination with a comprehensive health plan that covers preventive care. One can be used to cover basic health care expenses coextensive as routine doctor visits akin as infections, colds, flu, minor injuries, etc. The other can be used to cover useful 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 somewhat 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 roused drivers must mate Ooida and can do so for a very nominal price. New members have 60 days from the effective date of their membership to soak up 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 span 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 number infection, injuries, preventive care and urgent care. Preventive and general health services are also included. Additional services offered are mouth-to-mouth - gleam and imaging services, vaccinations, colds, flu, sprains, back pain, urinary throne infections, subordinate burns, sinus infections, bronchitis and annual work, school, sports and Dab physicals. Imperceptible lab work is provided at no cost.

Ooida has held with over 1, 300 direct health care centers throughout the United States to prepare this service. One of the centers is Concentra Medical Center. Many truck drivers are instant intimate with Concentra since it is a hamlet where so many drivers get their Mark live. Services at these direct health care centers are available at no further cost. A nationwide network of over 17, 000 providers has been at fault for further services relating chiropractic and sensible 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. Additional services implicate 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 gain 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.