Health Insurance For Truck Drivers And Other Health Care Options

It is vitally important that commercial truck drivers have some type of medical care plan due to the high rate of illnesses and injuries that they sustain. Most commercial truck drivers health is not the best and could be improved through better food choices. Typically, many truckers diets consist of far too many unhealthy food choices. High blood pressure, diabetes and obesity are a few of the conditions which require regular medical treatment. Accidents, injuries, heart attacks and strokes are some of the serious conditions which would require drivers to seek emergency room care. Health Insurance for truck drivers would cover these conditions and many more. Health insurance plans differentiate based on whether they provide regular health insurance or major medical health insurance.Regular health insurance covers basic routine procedures. This includes regular exams and routine illnesses. This also includes colds, flu shots, vaccinations, ear infections, minor injuries, etc. It does not include coverage for serious health problems.Major medical health insurance is for serious health concerns. This covers serious illnesses such as cancer, heart disease, strokes, accidents, etc. No one can ever predict when a medical emergency will occur as one could occur anywhere, and anytime to anyone. Serious medical problems such as these are very expensive and could financially devastate those who don’t have insurance coverage.Major medical plans are often sold in combination with a comprehensive health plan that covers preventive care. One can be used to cover basic health care expenses such as routine doctor visits such as infections, colds, flu, minor injuries, etc. The other can be used to cover expensive emergency room visits and the treatment of serious diseases and long-term illnesses.Many commercial truck drivers, especially independent operators don’t have any health insurance plan. Fortunately, a new plan offered by the Owner Operator Independent Drivers Association (OOIDA) can help by offering a basic health care plan. OOIDA is a company which fights for the rights of all professional truckers. OOIDA has introduced a plan called “My Community Care.” This is not an insurance plan but rather a membership program which provides medical care for injuries or illnesses as well as preventive health and wellness services. This plan does not cover life-threatening conditions or serious injuries. This health plan is available to truck drivers and their families.This is a membership based program so interested drivers must join OOIDA and can do so for a very nominal fee. New members have 60 days from the effective date of their membership to enroll in the “My Community Care” Program. The open enrollment for the “My Community Care” program for current members has been extended until May 31, 2012. The cost for this program is $89.00 per month. That is your only cost for most services. All visits to the center for you and your family are provided at no additional cost. Infants are eligible once they reach six months of age. Adult children are covered through the age of 26. There are no exclusions for pre-existing conditions. There are no deductibles or co-pays at the direct health care centers. This is certainly a very affordable option for many drivers.Services provided include illness, injuries, preventive care, general care and urgent care. The wide range of services offered include vaccinations, colds, flu, sprains, back pain, urinary tract infections, minor burns, sinus infections, bronchitis and annual work, school, sports and DOT physicals. Additional services offered are x-ray and imaging services. Limited lab work is provided at no cost.OOIDA has contracted with over 1,300 direct health care centers throughout the United States to provide this service. One of the participating centers is Concentra Medical Center. Many truck drivers are already familiar with Concentra because it is a place where many of them obtain medical services and get their DOT physical. Services at these direct health care centers are available at no additional cost. A nationwide network of over 17,000 providers has been contracted for additional services such chiropractic and physical therapy. These services are available to members at a 25% to 30% discount. Discounts are available on eyewear including contact lenses, prescription drugs, dental care and diabetic care supplies. Discounts are also available for MRI and CT scans. Additional services include a 24 hour nurse-doctors hotline. Not all services are available at all locations.All commercial truck drivers that are OOIDA members are eligible to sign up for this program. Many uninsured drivers and their families have postponed or gone without basic medical care even when ill due to a shortage of funds. With this plan all of them could obtain basic health care when needed. Truck drivers health should improve with regular access to health care. Although, this is not an insurance program it is a program which drivers can access and have peace of mind knowing that they and their families can get basic health care at a very nominal cost.

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Cheap Auto Insurance

So, now that you have decided to splurge on a car that you had always wanted to own, it is essential that you also get an auto insurance policy. An auto insurance policy covers your car in case it is stolen and also enables you to claim for damages, if it meets with an accident. Most auto insurance policies have liability coverage as part of the policy. Liability coverage pays for damages if you are at fault in an accident. Any way you look at it, an auto insurance policy makes sense, because any of these things could happen any time.With the automobile sector booming, it is natural that the auto insurance field is also becoming increasingly competitive. Day in and day out, consumers are bombarded with advertisements from companies offering cheap auto insurance. Every insurance company is trying to get your attention with gimmicks and special offers. Many customers end up scratching their heads in sheer confusion. With so many attractive options, selecting the right company and policy can be a very difficult thing to do.When it comes to cheap auto insurance, there are many different aspects of the business that come into play. There are ads for cheap auto insurance for new drivers, cheap auto insurance quotes, cheap auto insurance rates, cheap no fault auto insurance, cheap full coverage auto insurance… and that is to name only a few of the things mentioned in these ads. You can get comprehensive information on these terms on the Internet. Visiting the extensive Web sites that almost every insurance company has set up can help you to find the information you need in plain black and white.It definitely pays to do your homework, comparing cheap auto insurance provided by different companies. If you are looking for the right kind of cheap auto insurance quotes, it becomes imperative to choose your insurer carefully.Every state has somewhat different sets of rules concerning auto insurance. For example, in most cases, the state requires you to carry a minimum amount of liability coverage. This coverage pays for damages you may have been at fault for during an accident. Conversely, some states may allow for no-fault cheap auto insurance policies. Coverage of medical costs, both for you and your passengers, is optional in some states. You can find out your state’s specific requirements from your insurance company.Filling in your insurance application is the next step in the process. Be clear and honest when giving all pertinent information related to your vehicle, people who might use it, your driving record, the list of optional safety features your car has, and when answering other questions the form requires. Go through the insurance policy in detail. Sit with your insurer and ask questions. Find out whether you are eligible for any discounts. Find out the number of premiums you have to pay and whether it is possible to cancel your policy early, if you need to do so for any reason. Such information is vital to know before you take a cheap auto insurance policy. This discussion with your insurance agency could also take place periodically, possibly once or twice a year. Always carry your company-issued proof-of-insurance card with you when driving, as it is required by law in many states.

Colorado Real Estate Secrets

Everyone wants to get rich. Not every job can provide you the opportunity of earning immense wealth. However, real estate is one good way of wealth building wherein the returns you get for your investment is tremendous and that too in a short span. But for those who have just decided to take the plunge, they must know that gaining sound, accurate, and up-to-date knowledge on real estate is imperative.If you want to flourish your career in real estate in Colorado, then you must learn the secrets of real estate trade. After all, every trade has it secrets, and so does real estate. Spending some time learning about the Colorado real estate secrets will enhance your investment skills and decision making skills.
Real estate investment is not simply about investing, but investing the right way!For the real estate investors of Colorado, given below are some real estate secrets in the form of investment methods. Remember, the secret of real estate lies in choosing the best and most suitable strategy for investing. Only then you can make big money and that too with little money and little effort. These real estate secrets will ensure good profit for you in real estate investment.RetailingRetailing is an investment method that provides huge and quick profit. Here, you first have to buy a low-priced house, next manage a little repair work, and then sell this house at a retail price, which typically earns you a profit ranging from $20,000 to $35,000 per deal.WholesalingIn the wholesaling method, your role is similar to that of a broker. In other words, your job is to find a motivated seller, and thus you get paid. Here, you simply secure a deal to sell a real estate. Then you sell the deal to another investor who will buy it. So here you negotiate the selling price of a real estate to flip the deal off to another buyer. Your profit may range from $1,000 to $5,000. Going by the nature of the job, it’s indeed a rewarding deal. The task is simple and requires small effort on your part. Above all, here you pay nothing.Getting the deedIn this method, you take over the existing deed from the house owner to obtain house ownership. Here you take the title “subject to” the existing loan on the house. Thus, you do away with bank or credit. Here you don’t assume the loan; however, the deed empowers you with ownership. This is a well-suitable option for those sellers in financial situations who are looking for ways to come out of their mortgage problem.Lease optionsCan you think of a way where you can have control of a real estate without ever taking title to it? This is what the lease options investment method does for you. If you want to earn cash, you can sell it. Besides, you can also have a tenant or a buyer in the home who will lease purchase from you till the time they can cash out. In fact, you can cash out by obtaining sufficient free equityOptionsIn this investment method, you can consent to option a real estate at a certain price with the aim to selling it off at a higher price. The difference between these two amounts is the profit you earn. With this option you can earn significant profits.