Every year, there are millions of car accidents in the US, resulting in billions of dollars in losses. The entire financial effect of accidents on roads and highways is $75 billion in 2017. According to the Center for Disease Control and Prevention (CDC), this amount has gone risen over the previous several years. According to HD Fleet, a truck collision with one wounded driver typically costs $148,279 to repair. In cases when there is a death, the cost may go as high as $7 million. Accidents involving over-the-road and long-distance truck drivers sometimes result in serious injuries. Truck drivers, therefore, visit emergency rooms. Similarly, without health insurance for truck drivers must pay out-of-pocket costs that can both stabilize their finances and break the bank. To ensure adequate care in the event of accidents or long-term medical concerns, truck and long-hauler drivers need health insurance. Read on!
Why Truck Driver Health Insurance Is Crucial
Health insurance for independent truck drivers health insurance who travel long distances has a significant risk of bad health consequences. Not only are healthcare services difficult for truck drivers to acquire, but they also incur unforeseen and higher medical bills.
According to research, long-haul and over-the-road truck drivers are more likely to suffer from serious health problems as a result of the nature of their work, making truckers’ insurance a must. These consist of:
- Hypertension
- Insomnia
- Sleep apnea
- Spinal disorders
- Headaches and migraines
- Stress and depression
- Arthritis
- Sinus problems
- Lung diseases
According to a study by the US Department of Health and Human Services. Obesity affects 31% of the typical American worker, whereas it affects 70% of long-haul truck drivers. In the average American worker and truck driver, the prevalence of smoking-related chronic health issues is 19% and 51%, respectively.
Compared to the 7% incidence of diabetes among the typical American worker, truck drivers had a prevalence of 14%. Because 38% of long-distance drivers don’t have a suitable coverage plan. They are the least fortunate group in terms of health insurance. According to the research, 17% of American employees lack health insurance.
Due to the increased danger of injury on the road. And the experience required for long-haul driving, every truck driver requires health insurance. Sadly, the majority of drivers lack health insurance to pay for their medical bills and those of their families.
Many medical issues are not covered by the health insurance that some trucking firms offer to their drivers. Ten times more income might be lost as a result of a truck accident’s hidden costs than it would otherwise. Over-the-road and long-haul truck drivers require adequate health insurance for a number of reasons.
Combat the Chronic Diseases that Affect Truckers
According to the American Trucking Coaches Association (ATA), a trade organisation that advocates for truck drivers and trailer operators, lifestyle disorders are on the rise, particularly among truck drivers. The prevalence of diseases including diabetes, obesity, lung issues, and hypertension is higher among trucker health insurance than it is among other American employees.
The nature of the job performed by truck drivers, sedentary lifestyles, stress, unhealthful diets, and pollution are the main causes of these diseases. While you can help avoid illnesses as a truck driver, it can be financially difficult to recover after an unexpected auto accident.
To manage your bills after an unexpected event, such as a truck accident, and to pay monthly medical expenses, you must have a decent health insurance plan. You’ll feel more secure knowing that you have enough health insurance in this manner.
Inadequate Insurance Coverage Contra
The likelihood is that your employer’s health plan only offers little coverage. Although some trucking businesses provide health insurance to their employees, it frequently does not shield them from deadly and chronic illnesses.
Let’s say your employer’s existing health insurance plan does not protect you from potential risks like chronic illnesses or traffic accidents. In that situation, it might not be sufficient in an emergency. We advise selecting a complete plan to protect oneself in trying times because of this.
An Active Strategy to Fight Medical Inflation
Long-haul and over-the-road truck drivers must select a proper insurance plan because medical expenses are rising daily. As a truck driver, you need to be aware that health expenses don’t just apply to hospital stays; they also include doctor visits, ambulance fees, treatment in the emergency department, expenses for operating rooms, rent for rooms, and pharmaceutical prices.
You may overcome the difficulties of medical inflation and, at the same time, receive high-quality care without worrying about the costs when you pay an affordable premium each year.
Health Insurance for Truck Drivers – What are the important facts to keep in mind
- They can be purchased year-round.
- They are government compliant but not affiliated with the government at all, which means they exempt you from the tax penalty and it keeps the government out of your business.
- Guaranteed Issue
- PPO Network
- Monthly premiums are much lower (usually about half the price of government ACA plans) because of the way they structure their plans
- Your price is based on your age bracket, so you can have peace of mind that your health insurance premium will stay the same until you reach the next age bracket
- Your monthly payments go towards helping other members as opposed to corporate higher-ups
- When negotiating your bills they have leverage due to the cash they bring to the table as well as tax benefits from being a non-profit organization
- They can be purchased year-round.
- They are government compliant but not affiliated with the government at all, which means they exempt you from the tax penalty and it keeps the government out of your business.
- Guaranteed Issue
- PPO Network
- Monthly premiums are much lower (usually about half the price of government ACA plans) because of the way they structure their plans
- Your price is based on your age bracket, so you can have peace of mind that your health insurance premium will stay the same until you reach the next age bracket
- Your monthly payments go towards helping other members as opposed to corporate higher-ups
- When negotiating your bills they have leverage due to the cash they bring to the table as well as tax benefits from being a non-profit organization
The Best Commercial Truck Insurance Companies for 2022
Conclusion:
Compared to other American employees, long-haul truck drivers are more prone to smoke and are more susceptible to obesity and other illnesses. In order to protect themselves in difficult circumstances, it is essential to apply for adequate health insurance on time. For instance, if a health condition affects your ability to drive a truck, it may end up in your driving license cancellation.
We think that long-haul truck drivers’ insurance plan are essential to the growth of the American economy and that without them, the country would cease to exist. Lack of health insurance can cause a number of issues, including financial instability and health consequences in the event of an accident or hospitalisation. Your wellbeing and health are intimately correlated with how well the US transportation system is doing.
This is why having health insurance is crucial for trucker healthcare and long-haul drivers, and why you require an insurance policy that both meets your demands and your budget. You may safeguard yourself against unforeseen and expensive medical expenses in this way. Up till then!
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