Health Insurance
- Thread starter exTVguy
- Start date
My wife and I have a plan through Blue Cross Blue Shield. My cost is $70 per month and hers is $119 for a toal of $189 per month for both of us. Thsi plan carries a $2000 deductible. It allows us 6 doctor visits a year, plus covers all the major stuff. I haven't been to the doctor 6 times in the last 5 years, so this plan will work for us. It is not the type of plan that someone would want if they go to the doctor monthly for every little sniffle. Go to their website, they have several plans available. Also try www.ehealthinsurance.com There are other companies with health plans listed there.
Hope this helps...
Hope this helps...
Smart question, about group rates on insurance. If you are a member of a business, professional, fraternal or other such organization, you may be able to find group rates on insurance there. OOIDA is a large trucking organization. Credit unions also offer group rates.
For health insurance specifically, it gets more difficult. My wife and I have health insurance but no group rate. We looked but did not find acceptable coverage through a group.
Note the words "acceptable coverage." I did not say acceptable price. It's ALL too high.
One thing to check in any trucker health insurance coverage is the ability to access a doctor, clinic, or hospital with your medical card anywhere in the nation. It would be no fun to need medical attention 1,000 miles from home and able to get it at home but not at your time and place of need.
After we got our coverage in place, we tested it a bit by pulling a number of zip codes at random off the map and using the company web site to verify that coverage would be avaiailable.
For health insurance specifically, it gets more difficult. My wife and I have health insurance but no group rate. We looked but did not find acceptable coverage through a group.
Note the words "acceptable coverage." I did not say acceptable price. It's ALL too high.
One thing to check in any trucker health insurance coverage is the ability to access a doctor, clinic, or hospital with your medical card anywhere in the nation. It would be no fun to need medical attention 1,000 miles from home and able to get it at home but not at your time and place of need.
After we got our coverage in place, we tested it a bit by pulling a number of zip codes at random off the map and using the company web site to verify that coverage would be avaiailable.
could'nt agree more with A-Team's coverage comment.
For the Armed Forces Veterans: you might consider checking with the VA to see what, if any , benefits may be available. Low paid vets may be eligible for excellent bennies having served for only a couple of years, several years ago.. This is a nationwide benefit if you qualify.
Tip for those who might not know:
Whenever seeing a service provider such as a Doctor at his office, the first question you must ask: "Do you accept the 'fee assignment' of the ______ insurance company?" If the answer is no, consider the Doctor down the hall. If yes, you're in luck.
Example: a Doctor may charge $100 for a consultation, but you ins co determines that a consult in that geographic area is worth $40. Assuming your policy prescribes a 25% co-pay and the Doc accept assignment, he'll be paid $30 and you'll get a bill for $10. If you don't ask, UP FRONT, the ins co will pay only $30 and you'll get a bill for $70. Remember, just because the doc will file forms with you ins co does not necessarily mean he'll agree to their fee assignment.
For the Armed Forces Veterans: you might consider checking with the VA to see what, if any , benefits may be available. Low paid vets may be eligible for excellent bennies having served for only a couple of years, several years ago.. This is a nationwide benefit if you qualify.
Tip for those who might not know:
Whenever seeing a service provider such as a Doctor at his office, the first question you must ask: "Do you accept the 'fee assignment' of the ______ insurance company?" If the answer is no, consider the Doctor down the hall. If yes, you're in luck.
Example: a Doctor may charge $100 for a consultation, but you ins co determines that a consult in that geographic area is worth $40. Assuming your policy prescribes a 25% co-pay and the Doc accept assignment, he'll be paid $30 and you'll get a bill for $10. If you don't ask, UP FRONT, the ins co will pay only $30 and you'll get a bill for $70. Remember, just because the doc will file forms with you ins co does not necessarily mean he'll agree to their fee assignment.