smart and simple private insurance

Health Enrollments Center

Independent Truck Drivers and Owner / Operators

Better Coverage Starts Today

Comprehensive Accident Medical Insurance logo

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 telephonesmartphone appwebchat 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.

flexterm insurance by Everest

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 telephonesmartphone appwebchat 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.

Enrollments by

smart and simple private insurance

Speak With A Licensed Agent
(855) 826-0030

EyeMed Insurance Logo

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

Enrollments by

smart and simple private insurance

Speak With A Licensed Agent
(855) 826-0030

Core Dental Insurance from Ameritas

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!

 

Trinity Risk Occupational Accident

These plans are only available to 1099 Contracted Drivers / Owner Operators

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.

Call For A Quote
855-826-0030

Enrollments by

smart and simple private insurance

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

 

Get Health Insurance
Truck Drivers and
Owner / Operators

1-855-826-0030

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.

Our Major Carriers And Partners

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