Trucking is a physically demanding profession that can take a toll on the body over time. A majority of long-haul truck drivers report having two or more unhealthy behaviors or conditions that can be a threat to their long term health. 

Frequent lifting, climbing in and out of trucks, and long periods seated behind the wheel lead to musculoskeletal injuries that require costly attention from orthopedic specialists. Under a traditional  health coverage plan, the cost of an inpatient knee or hip replacement would exceed $30,000. But the cost could also vary widely based on the metropolitan area. 

For instance, between New York City and Des Moines, Iowa, prices vary three-fold. This fluctuation exists within markets as well. In San Antonio, the highest price of a knee replacement is nearly three times higher than the lowest price. 

With such a high risk and potential for personal injury, it is highly recommended for drivers to get good coverage from their health insurance. 

Truckers Health Coverage makes it more affordable to cover these types of procedures and avoid these wild price fluctuations by reimbursing a reasonable and fair amount based on the actual cost of the treatment rather than inflated insurance prices.

Truck drivers are one of the engines of the U.S. economy. Yet, the vast majority do not work under a dependent relationship where they have benefits such as health insurance to cover them for anything they need to continue doing for their risky job. 

To the situation, we can add that truck drivers' work shifts are very demanding, so most do not have the luxury of time to research what options they have when it comes to being covered by excellent health insurance. 

When a truck driver gets injured on the job, the last thing they should have to worry about is whether or not they can afford to pay for the care they need. Delaying necessary care leads to higher cost, more acute events down the road. 

A Truckers Health Coverage plan makes healthcare affordable for both individuals and their organization so members won’t delay care when they need it. 

For owner-operators, this offers the peace of mind to know that they are always protected on the job, wherever they may be. A healthy driver is a safer and happier driver.

Health insurance is a core need of all Americans. Choosing the right type of coverage, carrier, and plan design can mean the difference in thousands of dollars in premium savings. 

Note that truck drivers can also purchase supplemental insurance such as dental, vision, critical illness, or accident policies in addition to the following options at any time: 

• Through the government marketplace during open enrollment or via a special enrollment period due to a qualifying life event outside of open enrollment 
• Through a short term medical plan 
• Through Medicare 
• Through a government-compliant med sharing plan 

Two of those options listed above would be based on their income level. Given that the average salary for a truck driver right now is $43,464 a year per Glassdoor.com, that eliminates most of the benefits through the government marketplace plans assuming the individual had a qualifying life event (marriage, childbirth, etc.) since they do not give any subsidies for individuals that make over $48,240. 

So that means even if a person has a qualifying life event and makes less than $48,240 a year, the person still won’t get much assistance from the government unless he makes less than $30,150 which qualifies him for a subsidy plus cost-sharing. Between the other two options left, short-term medical plans and med sharing plans, the med sharing plans are the only ones that are government compliant which would exempt the person from the tax penalty for not having insurance. 

Once an individual understands the options as a truck driver, the choice for which plan is best becomes pretty obvious in most cases, a med sharing plan. 

There’s no sense in waiting until open enrollment. Contact us and learn more about what these plan options can offer!

Imagining your family’s future without you is never comfortable. But, it is important to make sure that they are taken care of in the event of an injury, accident or even your death. 

No one likes to talk about life insurance, but it’s an easy and affordable way to help protect a family’s future. There are several options for a person to choose from and he can even purchase coverage for his spouse and his dependent children. 

Truckers Health Coverage can provide your family members with financial protection and help pay for expenses, such as funeral costs, medical bills and estate taxes in the event of your death and can help protect your family's lifestyle.

When affordability matters, let an agent from Truckers Health Coverage help you find the right quality health insurance plan. You'll want one that is easy to use when you need to see your doctor or healthcare provider- one that is easy on the budget so you can maintain coverage throughout the year.

Request a free quote in seconds online or by phone! It is our goal to assist you in finding the best health insurance to fit your budget.