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Professional Truck Drivers benefit from Health Care Law

Mar
11,
2014
5
CDL Consultant helping drivers understand their Health Insurance Options

CDL Consultant helping drivers understand their Health Insurance Options

America has now had a chance to see the Affordable Care Act (Obamacare) in action over the last few months. There is no doubt, we are staring at mixed results, and strong emotions, and opinions.  We would like to review how it has affected those within the trucking industry and further introduce what we believe is the best possible portal and call center for our industry.

To start, the fact is that the lifestyle of the professional driver has contributed to poor health and a list of related health issues. The sedentary lifestyle combined with stress, irregular sleep patterns, lack of exercise, and poor food choices/options has led to illnesses such as: arthritis, obesity, high blood pressure, diabetes, stroke, and cancer ( kidney, bladder, and lung).

Another fact is that many driver profits and earnings are low and although the need for health coverage should be a priority considering their heath risks, many times they are not. Many drivers who would want to purchase health coverage have been turned down for pre-exisitng conditions.
Owner Operators are high on this list of uninsured drivers as profits continually go down because of various causes such as high fuel prices, increased regulations, increased mandates on fuel efficiency and GHG emissions, and low paying freight.

The Health Law ( ACA) has caused much controversy among the country, however, there is no other group that we can see that  deserves to benefit from this law more than the professional driver. When we look at the heath risks combined with their wages ( which have not increased for 20 years) they will be among those who will certainly profit.

Initially, Healthcare.gov, the federally run portal that all individuals and insurance companies must traverse to complete a health application, was run aground. Although the federal site is now up and running, it seems as if everyone is taking a breath and seeing where it goes next. There are other call centers and websites designed to aid purchasers in health coverage, however, one issue we have observed is the lack of trucking industry knowledge that other call centers may have, specifically answering questions correctly and giving appropriate advice.
Truck Drivers, including Owner Operators, have a unique lifestyle and business design. This will dramatically affect the reduction in premiums that many times can be missed by a “general call center” who may not ask the right questions during screening, or in a worst case scenario, flat out give poor direction.

For these reasons, we are encouraging those within the trucking community to go to the CDL Consultant and Pay Plans and Benefits website. The staff at CDL Consultant understands the specific questions to ask for those within trucking in order to ensure maximum cost reductions allowed through premium tax credits.

They are committed to ensure that their callers receive the best possible advice and LOWEST possible premium available to them.  Prices are fixed by law, however, just like “taxes”, if you don’t KNOW all your allowable deductions, you will not receive maximum refund. The same is the case with maximum allowed tax credits/price reduction for health insurance.

**Premium Credits (discounts) are available to people based on their Adjusted Gross Income ( AGI). Most ALL of the drivers we have spoken with, had AGI’s that allow for premium credits

Let’s take a look at what the experience at CDL Consultant has thus far achieved for professional drivers. The data is based upon assisting approximately 1000 drivers since December the 15th

  • More than 85% of drivers who are not currently covered are eligible for a tax credits.
  • The average discounted premium received by single drivers is close to 47%.
  • The average discounted premium received by drivers plus spouses is close to 66%.
  • The average discounted premium received by drivers plus families is close to 79%.
  • The number of drivers receiving less than 20% discount or none at all is less than 15%.

 EXAMPLE: A driver with a family of 4 earning 40K annually AGI can obtain coverage for $226/month –  Gold plan with Blue Cross/Blue Shield (GA).
Normally (without tax credit/discount premium) that cost with the same plan would be $1511.00 

At the end of the day these reductions are clearly making coverage affordable for many drivers who simply could not obtain insurance in the past, either because of pre-existing illnesses, or, they just couldn’t afford it.

We have found that when drivers are fully educated they are inclined to enroll in coverage.  It’s important to speak to someone who is not only trained and knowledgeable regarding the New Health Laws, but also who understand the atypical challenges and circumstances of professional drivers.

Whether you love the new law or hate it, for many owner operators and uninsured company drivers, the passage of the Health Law presents a new opportunity to finally get health insurance without being scrutinized for having a medical condition.
Approximately 85% of owner operators (and most ALL uninsured Company drivers) will be eligible for tax credits based on their income.

Many out there would like to see this law fail, but the reality is it’s here to stay for a while and for many drivers, it’s the first time ever that major medical insurance will be available to them.

NOTE: People who are not offered coverage at work or who are not offered it through their spouse, have until March 31st to enroll and receive premium subsidies.  You owe it to yourself and family to at least determine what Options you have.
Click on the link or make the toll free phone call 800-459-0962
Remember: The Deadline is March 31st  

Keep posted for our next post affecting Trucking Carrier EMPLOYERS; “Trucking Industry Employers”- How Obamacare will affect you in 2015”


CDL Consultant- Affordable Trucker Health Insurance

CDL Consultant- Affordable Trucker Health Insurance

 

 

 

 

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By: Allen Smith

Allen Smith is a 37 year veteran who started at an early age in a household goods family moving business. He began driving straight trucks in 1977 and moved to the big rigs in 1982. His experience within the industry includes; owner operator, company driver, operations manager, and owner of a long distance HHG moving business, taking many of the long haul moves himself when needed. Allen Smith, a truck driver advocate who is driven by the desire to help others succeed within an industry where injustice, unrewarded sacrifice, and lack of respect and recognition exists. Allen and his wife Donna are hosts of Truth About Trucking ”Live” on Blog Talk Radio. Other websites include AskTheTrucker, TruckingSocialMedia, NorthAmericanTruckingALerts, TruthAboutTrucking, and many Social Media websites. In 2011 Allen and Donna hosted the first Truck Driver Social Media Convention, designed to create unity and solutions for the trucking industry. This is now being extended through the North American Trucking Alerts network as those within the industry join forces for the betterment of the industry. Allen strongly supports other industry advocates who are also stepping up to the plate to help those who share honesty, guidance and direction. He believes that all those involved in trucking need to be accountable for their part within the industry, including drivers, carriers, brokers, shippers, receivers, etc… The list of supporters and likeminded people grow daily, networking together and sharing thoughts and ideas for the betterment of trucking. He has coined the popular phrase "Raising the standards of the trucking industry"

View all posts by Allen Smith →

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5 Responses to Professional Truck Drivers benefit from Health Care Law. - Post a Comment

  1. Fageol

    From what I have heard from my private doctor and my VA doctor, there are a grand total of two MDs here in Anchorage Alaska who will take Medicare patients. Can I infer that Obamacare will incorporate the Medicare fee schedule and operate similarly to Medicare? That is the same schedule that has driven medical students and primary care physicians to become specialists?

    Assuming that there is either a shortage or geographic concentration of primary care physicians, what good is the best insurance in the world if no doctor is reasonably available?

    Given the “success” of such programs as SNAP, the F35, the War on Poverty, the War on Drugs, Fast and Furious, NSA surveillance, the misuse of the IRS (if there were no misuse why would Lois Lerner have to avail herself of her 5th Amendment rights?) et al. why would anybody want to rely on the feds to be his medical provider?

    Obamacare is based on lies from the getgo. My neighbor and 60th Senate vote (according to some; regardless he voted for it) for Obamacare thinks it can be fixed. So far Obama has fixed it about 20 times with his unlawful rewrites of legislation.

    It’s interesting that Truth About Trucking is endorsing a lie or pack of lies. Take your pick. This article looks like a hustle.

    • Allen Smith

      Let me make this Clear: I do not Like nor have ever liked or promoted the New Health Care Law. The law has hurt a lot of people in stage 1 ( private insurance holders) and I predict in stage 2, when the companies mandates in 2015 take effect, it will be worse.

      With that being said, the fact remains that a majority of one group who will benefit will be professional drivers.
      1) Owner operators– Because year by year their profits are dwindling, many to the point of making less than a company driver. Fuel Cost, cheap freight, increased regulations, EOBR’s, HOS, and the increased costs of trucks and maintenance have all contributed to it.

      2) Company Drivers who are not offered insurance: Again low wages! Allows them huge Tax credits.

      The fact is that because of their financial bracket, professional drivers meet the requirements for significant Tax Credits/reduced premiums. Period.
      As long as they can receive reduced cost health insurance I feel they should take advantage of it. Many have families, who are not covered. Also, many drivers have health issues which they have not addressed because they have not had health insurance prior.

      Their other choice is to purchase it through an insurance company( refuse the discount) and pay 4 or 5 times more, OR continue not to have health coverage. THese are their choices.

      I have suggested they take advantage of the savings, that’s all! If nothing else they should at least investigate the opportunity and then make their choice from there. We recommend CDL Consultant because they understand the business model of the trucking industry and go through the screening process with the drivers, ensuring that they receive the greatest reduction in premium.

      http://info.payplansandbenefits.com/truckers-credit

  2. Jim Burgess

    It is true that if you have Medicare you will be limited to certain doctors, however, you can up grade to a better plan that will let you see more doctors for very little, like Blue Cross Enhanced. Medicare does’t cover everything so you would be advised to get the extended plan If you have children that are on Medicaid, then you are stuck with the doctors that will see them. You can include them on your health insurance through Obama Care and your whole family will be covered just like any health plan. I don’t see how you can lose with Obama Care,unless you are unable to switch for some reason!!

  3. Robert Selleck

    Thank you “Truth About Trucking” for sharing some basic and insightful health-insurance information of interest to your readers. It’s clear to me that the primary motivation behind this post is to help truck drivers improve their health and decrease their exposure to potential financial ruin that can accompany illness or injury.

    That’s all Mr. Smith is doing here: sharing some health insurance facts based on the realities of today’s private health-insurance market and the truck-driving profession.

    If you need to challenge those facts to further assist drivers with their health-insurance needs, fine. But please, let’s leave it at that and comment with the exact same spirit Mr. Smith so clearly demonstrates: contributing information that will help drivers navigate the realities of today’s private-health-insurance market.

    • Allen Smith

      Thank you Robert, you are exactly right. Sometimes you have to go against the grain and say what you believe is the right thing, even when that is not the popular thing to say ( and be ready for the criticism). People can do what they want, but at least the information is out there from this blog and our social media websites, so they can make their own choices. Hopefully they will at least take the time to find out what those choices are.

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