Medical insurance cover DOT PHYSICAL?

Discussion in 'Questions From New Drivers' started by MrIT, Aug 7, 2014.

  1. MrIT

    MrIT Light Load Member

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    Does anyone know if medical insurance will cover DOT Physicals? I have pretty good insurance that covers everything and would like to not pay for this out of pocket if possible.
     
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  3. LoneCowboy

    LoneCowboy Road Train Member

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    IME yes they will. But most are only paying for one physical a year. So you can get the pretty much worthless DOT Physical for free, or you can get a real physical where they actually check things for free. usually I have them do both at the same time and pay cash for the DOT or I'll get the real physical at my doctor and go to a clinic where the DOT's are pretty cheap.
     
  4. turnanburn

    turnanburn Medium Load Member

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    BC/BS does not pay for DOT exam.
     
  5. HighCountry

    HighCountry Light Load Member

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    I tried to get my last DOT Phy thru my personal Ins. I have same as Turnanburn. They said because it was work related it was not covered. Oh well, good thing their cheap (and worthless) but I'm sure that's going to all change here shortly. Good luck.
     
  6. Pedigreed Bulldog

    Pedigreed Bulldog Road Train Member

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    Sorry, but that isn't what "insurance" is for. Pay for it yourself, then write off the expense on your taxes. Seriously...a DOT physical costs less than half of what you'd spend taking the wife out for dinner and a movie. We aren't talking about some huge sum of money. Heck, it'll cost me more to renew my CDL in a few months than what I spent for the exam.
     
  7. MrIT

    MrIT Light Load Member

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    I think we pay about 250 a month for our insurance. A physical being medical related I think I have to disagree with you. A 100$ is a 100$.

     
  8. Cranky Yankee

    Cranky Yankee Cranky old ######

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    my insurance pays for a physical once a year
    and my doctor is on the DOT list as qualified
    so she just filled it out no charge
     
  9. Mark Kling

    Mark Kling Technology Contributor

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    Have you thought of calling your Med Ins company and asking them, since everyone is different?
     
  10. MrIT

    MrIT Light Load Member

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    I should have worded the question differently and asked whether dot physical doctors typically accept insurance. I'm going to have to have a mega company physical so hopefully they'll accept my insurance.
     
  11. Fire-Man

    Fire-Man Light Load Member

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    Mega's pay for your DOT physical. What am I missing?
     
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