Inexpensive health insurance for truck drivers

Inexpensive health insurance for truck drivers
Inexpensive health insurance for truck drivers

ELAP Services, a health care agency in Wayne, Pennsylvania, and the developer of alternative traditional health insurance systems, allow private employers and their employees to re-manage their health care costs. Since its inception in 2007, ELAP has provided comprehensive health plan solutions that include content-based pricing, member-level support for service-based services, and flexible management services, reducing customer health care costs by up to 30%.

recent interview with American Trucker, the founder and president of ELAP Services Steve Kelly talks about the latest health care practices in the trucking industry and how to align proper health care for shipowners and private truck drivers, discussing this. What can drivers do?

American Trucker: Describe context-based prices (RBP) and how this approach can help ship owners, as well as private truck drivers and owners?

Steve Kelly: Content-based pricing (RBP) is a health care system for self-funded employers who support the actual cost of medical service (or Medicare reimbursement rate) in supplier refunds and appropriate financing. The below approach to lowering the cost of health care contradicts traditional PPO systems where insurers negotiate cost discounts on rising and changing prices.

Companies that use content-based prices can earn 15 to 30% savings in the first year alone. Fleet owners and owners can also renew that savings in other areas of their business or in their employee benefits package. For example, they can reduce deductions, add employee bonuses, and more — create a solid profit package to help them attract and retain talent.

RBP also provides employee benefits. Drivers face low costs and extensive access to medical and service providers, wherever their routes lead them. Not inside or outside the network.

How does the growing age of truck workers create more expensive health care needs than in other businesses in general?

Trucks are a physical activity that can haunt the body over time. Frequent lifting, entering and closing trucks, and sitting behind a wheel for long periods lead to muscle damage that requires expensive orthopedic care. Under a traditional PPO health plan, replacing a patient's knee or hip can cost more than $ 30,000. But the cost can vary greatly depending on the location of the metropolitan area. For example, between New York City and Des Moines, Iowa, prices vary threefold. This flexibility is also present in the markets. In San Antonio, the highest rate of knee replacement is almost three times the lowest price. By comparison, the standard refund for a hip or knee replacement in the RBP program will be $ 16,000.

The RBP makes it more accessible to cover these types of procedures and avoids this decline in wild prices by reimbursing the right and fair value based on actual medical costs rather than rising insurance prices.

What happens if the driver of the truck is injured at work and needs medical attention? What peace of mind do ships need in order to navigate?

If a truck driver is injured while on duty, the last thing they should worry about is whether they can afford the care they need or not. Delaying the necessary care leads to higher costs, worse incidents down the road. The RPB health system makes health care affordable for both individuals and their organization so that members do not delay care when they need it.

For car owners, it brings peace of mind to know that their drivers are always safe at work, no matter where they are.healthy driver is a safe and happy driver.

What advice would you give to ship owners to help keep their insurance costs low while providing quality health care to their employees, especially their pilots?

Cost cutting does not mean sacrificing quality or coverage or minimizing care options. For example, because RBP does not have in-network or offline providers, program members have a large selection of high-quality providers to choose from. My advice would be to seek out a retailer who is educated about existing health care options and is willing to try other solutions with you. Attracting and retaining staff is very important, and providing an affordable and comprehensive medical plan can make a difference.

What are the biggest mistakes you have seen in these ships when it comes to providing health insurance to your pilots?

Business owners can be wary of changing their health care system. Adherence to the status quo (traditional traditional carriers) often feels like the safest option for the company and its employees, despite rising costs. But it may not be the best or the most economical. By sticking to the current situation, car owners are at risk of unnecessarily overpaying and losing employees due to the very high cost of out-of-pocket and minimal installation.

those owners of companies and companies that switch to RBP, those who take the time to educate their employees and drivers about the new model, how it works, its benefits and the services they receive (e.g., care) and support member support) are the most successful.

When it comes to health insurance, what strategies have you seen that can help the military in the trucking industry better hire and retain staff?

On all boards, Americans want more flexibility in the products and services they use - including occupational benefits such as access to health care - without sacrificing costs or quality. Content-based prices give employees the flexibility and flexibility options by deleting all networks while keeping costs low.

In times of staff shortages, work

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