Use telehealth as your first line of care. Telemedicine allows you to consult a physician from your cab for routine issues — prescription refills, minor illness management, non-emergency consultation — without stopping your run or paying an urgent care copay. Most ACA plans and association plans include telehealth at no additional cost. Any health plan without telehealth is a suboptimal choice for an OTR driver.
Test the provider network before you enroll. Log into any plan’s provider directory and search urgent care centers in five cities you regularly run. If the directory returns fewer than three in-network urgent care options in any of those cities, that plan has insufficient coverage for your actual route. Choose a different plan.