Plan type▶Portable Nationwide PPO
A PPO with national network access is non-negotiable for OTR. We shortlist plans where you can use providers in every state — no surprise out-of-network bills.
Explore →For OTR drivers
Coverage built for the long haul.
Portable PPO plans, ACA subsidy modeling that respects variable income, OTR accident insurance, and CDL-critical vision. The four layers every solo owner-operator should weigh.
Coverage row
What solo owner-operators stack.
Plan type▶
Marketplace▶ACA Marketplace + Subsidy Modeling
Variable owner-operator income breaks most calculators. We get the math right so your subsidy doesn't get clawed back at tax time.
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Supplemental▶Accident Insurance — Highway-Specific
Cash benefits paid on collision, load injury, slip-and-fall at terminals. Pairs with your health plan to cover deductibles and lost trips.
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Vision▶Vision Coverage (CDL-Critical)
CDL renewal requires passing vision testing. Vision coverage matters more for you than for most — keep your medical card current.
Explore →Why portable
Portable coverage is the OTR difference.
Regional HMOs fail OTR drivers. Your network from Texas means nothing when you're delivering in Idaho at 2am. We shortlist plans where every state of the contiguous 48 is in-network — same card, same copay, same coverage from Bakersfield to Bangor.
- ✓PPO networks with all-50-state provider access
- ✓Out-of-state ER visits in-network, not out-of-pocket
- ✓Coverage that follows you, not your zip code
- ✓Clear coordination with DOT physical exam providers
Coverage map
In-network in 50 states
Major PPO carriers: Aetna, Cigna, BCBS national, UnitedHealthcare Choice Plus
DOT Physical & Health
DOT physical, CDL maintenance, and your health coverage.
Your medical card and your health plan are two sides of the same career. Cardiovascular conditions, type 2 diabetes, sleep apnea, vision — the issues that flag a DOT physical are exactly the issues a good PPO with strong primary care helps you stay ahead of.
The case for proactive health care over reactive: a $40 monthly statin beats a $4,000 ER cardiac workup that pulls your card.
Cardiovascular screening
Diabetes management
Sleep apnea pathways
Vision certification
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