Using Insurance for DOT or Nah?

Discussion in 'Questions From New Drivers' started by Charlie Mac, Feb 9, 2016.

  1. Charlie Mac

    Charlie Mac Ears On, Hammer Down

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    Dec 29, 2015
    Indianapolis
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    Hello TTR,
    My insurance provider allows 1 free physical per year. The DOT Physical is relatively inexpensive ($60-$90) compared to the workup I usually get ($240+).

    The only diffrence I can note between my typical annual physical & the DOT is the drug & eye test. The usual workup includes cholesterol count, lipids, and various other bloodwork that DOT doesn't (to my knowledge) require. I've heard other drivers say they simply go to a FMCSA practionioner & they sometimes will just fill out the paperwork associated with the DOT free of charge since you're getting the Full Monty anyway.

    I just don't want to be surprised by a potentially hefty invoice if my paperwork looks funny to Cigna later (especially when anyone can walk into a CVS minute clinic & get a DOT Physical for peanuts).

    Does anyone use their insurance for their DOT Physical? What has been your experience?

    Thanks.
     
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  3. 12 ga

    12 ga THE VIEW FROM MY OFFICE

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    Central Michigan
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    I have done that for many years, problem is now that the doctor has to be certified to do the
    dot physical. It is totally stupid but that is the way our government is.
     
    Charlie Mac Thanks this.
  4. ajohnson

    ajohnson Medium Load Member

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    chicago area
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    A lot of the dot drs don't even take insurance at the clinics
     
    Charlie Mac Thanks this.
  5. Bob Dobalina

    Bob Dobalina Road Train Member

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    The "Buckeye"
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    I have never had to pay for mine. Every company I've ever worked for has paid the tab at an occupational health type of place. Are you trying to be preemptive by doing it yourself before going to school or something?
     
    Charlie Mac Thanks this.
  6. ajohnson

    ajohnson Medium Load Member

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    Your lucky, I have to pay for my own
     
  7. Charlie Mac

    Charlie Mac Ears On, Hammer Down

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    Dec 29, 2015
    Indianapolis
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    Yuppers.
     
  8. Charlie Mac

    Charlie Mac Ears On, Hammer Down

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    Dec 29, 2015
    Indianapolis
    0
    I searched my local in-network Dr's for FMCSA registration.

    There's a whoppin' 2 of 'm...
     
  9. ajohnson

    ajohnson Medium Load Member

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    chicago area
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    My opinion is, unless your regular dr is dot certified, pay cash for dot and save your free physical for your regular dr. You will probibly find that a dot physical is no ware close to as in depth as a real physical
     
    Bob Dobalina, 12 ga and Charlie Mac Thank this.
  10. ajohnson

    ajohnson Medium Load Member

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    Wow
     
    Charlie Mac Thanks this.
  11. PackRatTDI

    PackRatTDI Licensed to Ill

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    El Chuco, Tejas
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    It's better to pay for your own. Less likely to be a clinic in bed with an sleep study doctor as seems to happen with company doctors.
     
    Charlie Mac and 12 ga Thank this.
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