Truck driving can be a dangerous job. Due to a truck driver’s living and work conditions, drivers expose themselves to unique health risks. Health insurance is an expensive, yet necessary expense for truck drivers. It helps protect drivers from the unexpected, high medical costs. Although truck drivers should have health insurance many do not. Some trucking companies offer health insurance plans for truck drivers. However, if you are an owner operator or an independent contractor, you might have to find your own health insurance policy.
While there are many different health insurance options for truck drivers, a short-term health insurance plan may be right for you. Short term health insurance is a flexible health insurance coverage that covers you for a short period of time. If you are relatively healthy, short term health insurance might be the best option for you.
Benefits of Short Term Health Insurance Plans for Truck Drivers
Short term health insurance plans offer fast and flexible coverage, which is great for truck drivers. They are low-cost, low-coverage plans. It is perfect if you suddenly get sick on the road. Each short term health plan is different. Here are some benefits your short term health plan might have:
- Fast coverage
- Pick your deductible from several options
- Pick the length of the coverage. Plans are typically for 1 year
- Drop coverage without a penalty
- Access to an extensive network of health care professionals
- Lower premiums
What Do Short-Term Health Plans Cover?
Short term health insurance coverage varies depending on the plan and the insurance company you buy from. Federal regulations allow short-term plans to create their own coverage plans. These plans do not have to comply with Affordable Care Act (ACA) guidelines. ACA plans are required to provide certain levels of coverage. However, short term health plans are not required.
Short term health insurance typically provides some coverage for: preventative care, doctor visits, emergency care and some prescriptions.
Services often not covered by short-term health plans include: mental health, substance abuse, outpatient prescription drugs, and maternity care.
Truck drivers can benefit from a short term health plan’s low premiums. These health plans provide drivers with some coverage, but can lead to big out-of-pocket costs. Healthy truck drivers can be a good fit for short-term health plans because they protect truck drivers from unexpected accidents and emergencies.
Check out our blog The Importance of Health Insurance for Truck Drivers.
