Normally, trucking firms must cover 100% of all permitted, reasonable, and necessary medical care that is required to treat injuries brought on by work-related accidents. The protection and safety of truck drivers at work are ensured by this health insurance. A visit to the emergency department right away following an injury to procedures required to repair the damage months or years later are all examples of reasonable and necessary medical treatment.

Small company owners can choose from several affordable insurance policies provided by the Owner-Operator Independent Drivers Association (OOIDA). The OOIDA takes satisfaction in advocating in Washington, D.C., for the rights of truckers. For its owner-operators, they also provide commercial truck insurance.

When it comes to performing your work as an owner-operator truck driver, your health comes first. You can have prolonged downtime if you are sick or hurt since you might not be able to drive. Owner-operators do not have the luxury of sick pay, despite the fact that many business drivers do. Additionally, not having health insurance may result in long-term expense increases.

Commercial

OOIDA Health Insurance Cost

Plans with premiums as low as $65 for a single individual and $162 for families are available.

Blood pressure, cholesterol, colorectal cancer (ages 50 to 75), diabetes, obesity, and depression tests for adults are also included. Vaccinations, counseling, and contraception are all included in the plans. The family plans for women and kids also cover preventive care, tests, and vaccinations.

Plans with minimal necessary coverage, however, do not pay for prescription medications, hospital stays, or doctor visits.

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OOIDA Medical Insurance Benefits

- Medical Coverage

The Medical Benefits Group of OOIDA provides truckers and their families with reasonably priced health and life insurance. Each benefit is chosen especially for members in order to satisfy their demands. These plans include things like life insurance, covering for work-related accidents, and dental and eye care.

- Retirement Strategy

To accommodate the requirements of small-business truck drivers, the OOIDA Retirement Plan was created. This plan enables you to begin setting aside money for retirement, regardless of who you drive for. This plan enables tax-deductible contributions of up to $12,000 each year, as well as time-flexible saving choices!

- Assistance for Drivers

Another advantage available to OOIDA members is business support. The company would gladly offer its knowledge to assist drivers in navigating challenging situations in the trucking business. Trucking industry experts are accessible every day to respond to inquiries about everything from safety advice to governmental laws.

Health insurance, retirement planning, and business consulting are all offered by OOIDA. In addition to these benefits, members get access to discounts, identity theft management and resolution services, and drug and alcohol testing.