Health Enrollments Center
Independent Truck Drivers and Owner / Operators
Better Coverage Starts Today
A simple accident can cost thousands of dollars.
CAM is great for people with high deductibles or those who need a temporary medical plan.
Accident Coverage with TeleMedicine
Comprehensive Accident Medical (CAM), is an accident protection plan with FREE TeleMedicine (no copays) for simple trips to the doctor. Affordable and smart to have.
As Low As $44.00/ Month
CAM Features
- Freedom to choose your own doctors and hospitals
- $250,000, $500,000, $750,000, or $1,000,000 annual maximum options
- Deductible options of $500, $750, $1,000, $1,250, or $1,500
- 70%/30% or 100%/0% coinsurance options
- Next day coverage
- Coverage is guaranteed issue for eligible members as long as you and/or your spouse are under the age of 65.
- Cancel anytime
- Includes Free TeleMedicine
TeleMedicine By Teladoc Health
Teladoc Health provides 24/7/365 access to a network of U.S. Board Certified physicians who can diagnose, recommend treatment, and prescribe or refill prescriptions for routine conditions by telephone, smartphone app, webchat and email.
Illness and Common issues treated by TeleMedicine
Avoid the inconvenience and high costs of going to the emergency room or urgent care center.
Common issues treated include allergies, asthma, flu, fever, virus, headaches, rashes, joint aches, urinary tract infections, nausea, infections, pink eye, acne, and more.
The FlexTerm Health Insurance plan provides health insurance coverage to help protect you from the medical bills that can result from newly unexpected Injuries and Sickness.
Tempory Health Insurance with TeleMedicine
Before your next major medical health insurance kicks in, make the affordable choice with short-term medical insurance.
Individual Plans
As Low As $85.00/ Month
FlexTerm Health Insurance Features
- 6 and 12 month plans that can provide protection from new injuries and illnesses
- Ideal if you are between jobs waiting for new employer benefits, a seasonal employee, or a new graduate searching for employment with benefits
- Nationwide network, giving you the freedom to choose your own doctors
- Deductibles from $1,000 – $10,000 to customize the perfect plan for you
- $50 doctor office visit copay
- $50 copay for one basic routine annual exam
- Cancel Anytime
TeleMedicine By Teladoc Health
Teladoc Health provides 24/7/365 access to a network of U.S. Board Certified physicians who can diagnose, recommend treatment, and prescribe or refill prescriptions for routine conditions by telephone, smartphone app, webchat and email.
Illness and Common issues treated by TeleMedicine
Avoid the inconvenience and high costs of going to the emergency room or urgent care center.
Common issues treated include allergies, asthma, flu, fever, virus, headaches, rashes, joint aches, urinary tract infections, nausea, infections, pink eye, acne, and more.
EyeMed Advantage Network is made up of over 44,000 independent and retail in-network provider access points including 1000’s of national retail providers like LensCrafters, Pearle Vision, Sears Optical and Target Optical.
Right away, you’ll notice something different with EyeMed
We get you started with everything you need, then let you choose nearly anything you want.
EyeMed provides choice in providers, choice in your favorite frames, choice in add-ons and options. And, of course, choice in the vision insurance plan that fits you best. Making it easy to afford regular eye exams, glasses and contact lenses.
As Low As $5.00/ Month
EyeMed Healthy
Eye Exam and Great Discounts- Comprehensive Eye Exam
- Discounts On Frames
- Allowance On Lenses – SV / BV / TF
- Discounts On Contact Lenses
- Additional Discounts
- Out-Of-Network Discounts
EyeMed Bold
Essential Vision Coverage- Comprehensive Eye Exam
- Allowance On Frames
- Allowance On Lenses – SV / BV / TF
- Allowance On Contact Lenses
- Allowance Discounts
- Out-Of-Network Benefits
EyeMed Bright
Family Vision Coverage- Comprehensive Eye Exam
- Allowance On Frames
- Allowance On Lenses – SV / BV / TF
- Allowance On Contact Lenses
- Allowance Discounts
- Out-Of-Network Benefits
The Core Dental Insurance plans from Ameritas can provide coverage for preventive, basic, and major dental expenses with the dentist of your choice. Also, some plans include additional benefits like vision, hearing, orthodontia, teeth whitening, Dental Rewards®, and more.
Build Confidence With A Beautiful Smile
Individual Ameritas Core Dental Insurance is designed to be affordable for those without access to employer-sponsored dental insurance.
As Low As $21.00/ Month
Freedom to choose any dentist with benefits for over 300 services and procedures
- Preventive Dental Benefits – Routine exams, bitewings, cleanings, fluoride treatments, sealants, and more.
- Basic Dental Benefits – Full mouth X-rays, amalgam restoration (silver fillings), simple extractions, and more.
- Major Dental Benefits – (on Silver, Gold, Platinum Plans): Onlays, maxillary partial denture – resin base, denture repair, surgical removal of teeth, deep sedation/general anesthesia, endodontics – root canal, periodontal scaling, root planning, crown and crown repairs, pontics – porcelain fused to noble metal, and more.
- Orthodontia Benefits (on Silver, Gold, Platinum Plans) – A benefit available to dependent children of the plan.
- Dental rewards® – allows qualifying plan members to carryover part of their unused annual maximum.
- Additional benefits for Vision, Hearing, Teeth Whitening, and more!
Value
- Coverage for Preventive and Basic procedures
- No Deductible – $1,000 Max Per Person
- Choose your own Doctor or Facility
- Large PPO Network Available (you may receive a discount)
- Bonus Benefits: Vision, Dental Rewards®
Silver
- Coverage for Preventive, Basic and Major procedures
- No Deductible – $1,000 Max Per Person
- Choose your own Doctor or Facility
- Large PPO Network Available (you may receive a discount)
- Bonus Benefits: Vision, Hearing, Orthodontia, Teeth Whitening, LASIK, Dental Rewards®
Gold
- Coverage for Preventive, Basic and Major procedures
- No Deductible – $1,500 Max Per Person
- Choose your own Doctor or Facility
- Large PPO Network Available (you may receive a discount)
- Bonus Benefits: Vision, Hearing, Orthodontia, Teeth Whitening, LASIK, Dental Rewards®
Platinum
- Coverage for Preventive, Basic and Major procedures
- No Deductible – $2,500 Max Per Person
- Choose your own Doctor or Facility
- Large PPO Network Available (you may receive a discount)
- Bonus Benefits: Vision, Hearing, Orthodontia, Teeth Whitening, LASIK, Dental Rewards®
Trinity Risk Occupational Accident
Having Occupational Accident Insurance is a must. It’s affordable and most of all, it can help pay the bills when you are recovering from accidents and injuries. Your medical treatments are taken care of. There’s the benefit for wage replacement.
Occupational Accident Insurance That Goes Farther Than Other Plans
No “Pre-Existing Conditions” Clause – Other policies will exclude reoccurence of past accidental injuries.
- No “Under Dispatch” Requirement – You are covered when you have your load and you are covered after your drop off and drive home.
- No “Current and Valid CDL” Requirement – In the possible case that your license becomes suspended, you are still covered.
- No Accidental Death Payment Sublimits – Your accidental death benefit will pay according to the schedule, regardless of who the beneficiary is.
- Accidental Dismemberment Covers Loss Of Use – Other plans will only cover a total severage.
What Is Short-Term Health Insurance?
Short-term Health Insurance is an extremly affordable option to provide you and your family basic health and emergency services, as necessary. These insurance plans are affordable as they do not cover pre-existing conditions.
You’ll want to obtain a short-term health insurance policy if you are not covered by a major medical policy. Many healthy people will use Short-Term Health as their primary insurance.
Often known as GAP insurance, you can also use this type of coverage until the next federal open enrollment period when you can pick up a qualified health plan with major medical coverage.
Advantages of Short-Term Health Insurance
Driving Over The Road
There are over 2 million truck drivers in the United States.(1) The physical demands are well known. Long hours of sitting lead to chronic pain and back injuries. Staying focused and alert while driving roads and highways can lead to poor sleeping habits.
Did you know 28% of all drivers have sleep apnea?(2)
The Affordable Care Act Individual Mandate
The Affordable Care Act has an individual mandate that all persons in the United States carry a federal certified major medical healthcare insurance plan. Having health insurance coverage for you and your family will provide security that you can get treated by doctors in hospitals and clinics, when you are on or off the road.
3 Ways Truckers Get Health Insurance
1. Enroll In Qualified Health Plans Certified By The Health Insurance Marketplace During Open Enrollment Periods
The federal government creates an “open enrollment period” where you may change your major medical health insurance without a qualifying event (such as getting new employer-sponsored health with a new job). This is when O/Os may drop their current insurance and find new major medical policies. The certified health plans offered on private marketplaces are required to provide essential health benefits, cover pre-existing conditions and has limits on deductibles, copayments and out-of-pocket maximum amounts. These are policies that are similar to employer-sponsored insurance.
2. You Can Enroll Anytime For Short-Term Medical Policies
Though the benefits are not as robust as an ACA-compliant plan, Short Term Health Insurance can save you money in insurance premiums. These plans are recommended for persons that are in relatively good health. You need to consider that short-term health insurance plans may deny any claims considered as pre-existing conditions and not pay for treatments for medical conditions you may have had before the plan started.
If you are just getting started with owner/operator trucking, an affordable Short-Term Medical Policy may help control your costs and you build your career.
3. Check If You Can Receive Medicaid or the Children’s Health Insurance Program
If you are 65 years old and not receiving social security, you may have to sign up for Medicare.(3) If you are not nearing retirement age, you may qualify for assistance through the federal Medicare program or Children’s Health Insurance Program, also known as CHIP.
Medicaid eligibility is determined based on your income from being a truck driver. Medicare is also available for the elderly, pregnant women and adults and children with disabilities.
Frequently Asked Questions
Many Trucker Insurance Websites Mention Med-Share Programs. Are These A Scam?
Med-Share programs are Faith-based insurance cost sharing groups. Your monthly payment goes into an escrow account for all members. You request reimbursement for medical expenses. If you are looking for a PPO plan through Med Cost Sharing program, you will need to wait for open enrollment. It’s important for you to know that these are not federal Healthcare Marketplace approved plans.
Why Do I Need Occupational Accident Insurance?
As an Independent Owner Operator, your health and wellbeing are on you. If you are injured in an accident, Occupational Accident Insurance can provide a benefit for lost wages. This will help cover a gap in your income. Some companies that you contract with may provide this insurance ahead of time.
What Long Term Health Do Problems Truckers Suffer From?
A survey by the Center For Disease Control (CDC) found long-haul truck drivers have the following medical conditions: (4)
- 14% have Diabetes
- 26% have High Blood Pressure / Hypertension
- 75% reported low physical activity
Who We Are
Over four million people have obtained health insurance through our enrollment portals. With variety of products for customers to build an insurance plan specific to their needs, makes our offerings “smart” to have.
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