Securing More Than Your Load: Health Care Plans for Truckers Part I

The search for affordable, quality health care coverage

In an age when quality health care insurance is at a premium for truckers pursuing private health care plans, choosing a plan that suits your needs can be both time-consuming and overwhelming. The multiple insurance providers, the many different plans, and myriad coverage options can make the best choice confusing. While every plan is different, there are a few key questions to answer that will help you come to a decision that best fits your coverage needs and budget.

Before Conducting Your Search

1) Have answers to these questions and make lists where appropriate

  • Are you searching for single coverage for you, or coverage for you and your family?
  • Do you, or anyone needing coverage, have one or more pre-existing medical conditions?
  • Are you or your spouse expecting a child, or planning to become pregnant in the 12-24 months following your projected start date for coverage?
  • If you have children that need coverage, are they at an age where they will need frequent, routine check-ups? Some plan options provide 100% coverage for well-child visits. Some require a deductible or out-of-pocket payment in different amounts based on a percentage of the visit costs.
  • Are you, or your dependents, currently taking any prescribed medications? If so, make a list and make sure the plan you choose covers all your current medication needs. Insurance carriers often offer coverage for only the generic equivalent of name brand medications if there is one available.
  • Are you and your dependents seeking coverage considered to be at a healthy body mass index?

2) Note things that can affect your health care coverage eligibility and premium costs

  • Have you and your dependents had recent physical examinations by a Medical Doctor?
  • Do you smoke or use other tobacco products?
  • Does the plan you choose need to offer mental health coverage?
  • Does the plan you choose need to offer chemical dependency coverage?
  • Does the plan you choose need to offer long-term in-patient care coverage?
  • Do you need long-term coverage, or temporary coverage between now and the time you are eligible to be covered by another plan available through your employer or through your spouse’s employer?

It’s easy to be confused by all the options available when searching for a health insurance plan. Answering these questions before conducting your search for health care insurance coverage can make finding the plan that is best for your needs more concentrated.

See Part II of this post for insurance shopping resources and alternative plan options.