Trucking companies are typically required to pay 100% of all medical care that is authorized, reasonable, and necessary to treat injuries caused by a work-related accident. This health insurance for truck drivers ensures their safety and security during at work. Reasonable and necessary medical care can include everything from an emergency room visit immediately after the injury to surgeries months or years later that is necessary to treat the injury. You should not be required to pay anything for treatment of your work-related injury. The health insurance coverage you get from your agency is supposed to secure your physical well-being.
HAVE YOU RECEIVED UNJUST MEDICAL CARE?
In some states (such as Missouri, Arkansas, Oklahoma, Kansas, and Iowa), the trucking company has the right to choose the trucker’s doctor or can significantly limit the trucker’s right to choose his or her doctor. In other states (such as Illinois, Nebraska, Tennessee, and Kentucky), the trucker has more say in choosing their own doctor. For truckers, this can be an important issue.
When the trucking company chooses the doctor, most companies will try to force truckers to see company doctors near the terminal or office where the trucker was hired. Truckers (unlike employees in other industries) often live hundreds of miles from the terminal or office where they were hired. Traveling hundreds of miles to see a doctor is a tremendous burden on injured truckers. If you are put into a situation like this, you should contact an experienced trucker workers’ compensation attorney and ask about your right to select your doctor.
In the most unfortunate cases, trucking companies and their insurance companies sometimes refuse to pay for any medical care altogether, or they terminate medical care before the trucker fully recovers. We can help.
HEALTH INSURANCE POLICIES FOR TUCK DRIVERS
There are several health insurance policies available for truck drivers. Here are some insurance policies designed for truck drivers.
- Affordable Care Act (ACA): this is suitable for new truck drivers. In today’s market, insurance premiums are subject to increase, whereas the coverage diminishes.
- Health Savings Account (HSA): Truckers who are healthy and used to managing their medical expenses but are still worried about their health in the future need better health insurance plans than traditional health insurance.
- National Tuckers Insurance: This organization offers health insurance options for truck drivers. These plans come with disability insurance covering critical illness and supplemental insurance with some pre-existing conditions.
- Owner Operator Independent Health Insurance (OOIDA): They also offer health insurance for truck drivers. Truck drivers can enroll in their medical benefits group for a small yearly fee.
Though all of these policies are designed for the benefit of a truck driver, sometimes a few complexities arise when claiming the insurance premiums. Consulting with an experienced accident insurance lawyer will help you receive your monthly premiums.
REPRESENTING HURT TRUCKERS WITH MEDICAL CARE COMPENSATION CLAIMS
Hurt Trucker Attorneys has been representing injured truckers for nearly 50 years. We know the games insurance companies play. Whether it is a truck insurance claim or the children’s health insurance program, our attorneys have years of experience to guide and navigate you through the case. We will hold the trucking company and its insurer accountable, and we will make sure you receive the benefits you are owed. Call, email, or contact us online today at no cost or obligation for more information on how we can help you pursue the just and proper medical care compensation you deserve.