# Truck Drivers & Owner-Operators — Coverage Checklist

*Coverage that rides along.* Work through this before you shop or renew.

## Get your number right
- [ ] Start from: gross settlements / linehaul revenue
- [ ] Per-diem classification changes this number materially — confirm it with your tax preparer before estimating.
- [ ] Add all other household income (spouse W-2, side work) — the marketplace wants one combined figure

## The traps in your line of work
- [ ] Have an answer for: Falling ill or getting hurt several states away from the plan network
- [ ] Have an answer for: Assuming a passed DOT physical implies some form of coverage
- [ ] Have an answer for: Occupational accident coverage mistaken for major medical
- [ ] Have an answer for: Estimating income off settlement gross rather than net

## Fast facts to remember
- **PPO** — the network type that travels
- **DOT ≠ health** — a physical is not coverage
- **60 days** — to enroll after leaving a company job

## Before you enroll
- [ ] List your doctors and check them against the plan network
- [ ] List prescriptions and check the formulary
- [ ] Compare at least two plans on deductible AND network, not premium alone

Full guide: https://bishopplans.com/health-insurance-for/ · Tools: https://bishopplans.com/health-insurance-for/tools/
Free to share. Not legal or tax advice.