Health insurance question?

Discussion in 'Questions From New Drivers' started by asphaltcowboy4x4, Oct 17, 2019.

  1. asphaltcowboy4x4

    asphaltcowboy4x4 Medium Load Member

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    my company offers free heath insurance I pay 0 dollars a week for the premium. My max out of pocket is 6600. I went in to get myself checked up for like std and general health. Got a 60 dollar bill went back because I thought I had scabies took doctor 5 minutes to diagnose said fungal infection prescribed meds no lab work or anything got a bill for 560 dollars!they said there was lab work so I don’t know the complete story on if that 500 dollar bill was for the first visit. But #### before trucking went to doc never got that big of a bill. Is this insurance they are giving us for “free” a scam or what?! What are you other truckers paying as a single person no kids. I’m afraid to go see the doctor now like really! Maybe another company that actually charges the 50 bucks a week has REAL health coverage? Let me know. Thanks
     
  2. asphaltcowboy4x4

    asphaltcowboy4x4 Medium Load Member

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    Also the brochures to this company says they are paying like 500 to 600 a month for my insurance. I pay 0 of that but honestly we pay for it in other ways like no tarp pay
     
  3. asphaltcowboy4x4

    asphaltcowboy4x4 Medium Load Member

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    Whoops meant to say my annual deductible is 2500
    And max out of pocket is 6600
     
  4. Cat sdp

    Cat sdp . .

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    Per person or the whole family...?
     
  5. Cat sdp

    Cat sdp . .

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    P.S. my health insurance on the open market is $1235 a month for just me....
     
  6. asphaltcowboy4x4

    asphaltcowboy4x4 Medium Load Member

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    Just for me I’m single ;)
     
  7. SteveScott

    SteveScott Road Train Member

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    It's because you have a $2,500 deductible, which means that you pay the first $2,500 in medical bills. After that they pay 80% until your out of pocket maximum is met, or $6,500 dollars. After that, it's paid at 100%. There will be certain charges that don't have a deductible, but you'll need to read the policy to know what those are.
     
    tscottme and starmac Thank this.
  8. Accidental Trucker

    Accidental Trucker Road Train Member

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    cheaper not to have to get checked for the clap...... But yeah, @SteveScott has it right.

    The premium is paid for you, not the deductible or copays. And $600 a month is about right.
     
  9. truckdriver31

    truckdriver31 Road Train Member

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    did the dr. ask you if you had more then one partner.
     
  10. truckdriver31

    truckdriver31 Road Train Member

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    lol we all know that fungal infection was the clap and a uti.
     
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