Category: business owner

Can truckers refuse to drive in bad weather?

The cold and harsh weather conditions begin to arrive before winter officially starts on December 21st. Icy roads, snowstorms, and powerful blasts of wind are conditions that drivers across the country may face when the colder months roll around. Sometimes these conditions are incredibly harsh which leads to the question, can a driver refuse to make a trip if they believe the conditions are too hazardous? This is a dilemma that has faced drivers for a long time. Not only will it mean that this trip will be delayed, but in the past drivers have had the real fear of losing their jobs by refusing to drive.

Dangerous Drives

Winter roads are brutal, especially in the Midwest and Northern parts of the United States. 17% of all auto accidents occur in the winter (National Highway Traffic Safety Administration). This doesn’t seem like a huge percentage but considering that less people are out driving during the winter, this is a rather high rate. Ice, slush, and snow can cause very dangerous accidents especially at high speeds because friction between the tires and road surface is greatly reduced which results in braking becoming somewhat ineffective. Drivers know this better than anyone else, when winter comes around the roads become far less friendly. 

For a long time, winter weather and subsequent road conditions were unpredictable. However, in recent years meteorologists and weather forecasting technology have improved greatly, and are always learning more and getting better at what they do. This means that now weather forecasts are more accurate, giving drivers empirical evidence to support their reasoning for refusing to drive. 

The Voice of the Driver

Drivers are the force that power the transportation industry, but traditionally they have not had enough representation in front of their employers. This can be especially obvious in situations where there have been commercial vehicle accidents on hazardous roads. For these situations to be avoided, the Surface Transportation Assistance Act (STAA) was passed. The Act prevents employers from firing or disciplining drivers based on a reasonable refusal to drive on hazardous road surfaces. 

Most companies understand that drivers rely on transporting goods for their careers and that they would not refuse to drive for any unreasonable rationale, so hopefully companies are understanding when a driver refuses to drive based on evidence from the news, radio, or even their own eyes. If a company does take action to fire a driver, the driver can stand up for themselves in court and if they have sufficient evidence to support their reasoning for not driving (freezing rain, snowstorms, black ice) they will likely win their case.

Final Thoughts

The STAA was put into place to protect the rights of the driver and ensure that they stay safe in dangerous conditions. As a driver, you reserve the right to decline to drive if you have sufficient reason to believe that it would be hazardous to you or others on the road. This is crucial to keep in mind as we begin our journey through winter and colder days. As you drive through the winter, stay safe, stay warm, and know your rights.

Stay Safe: A Guide to Avoiding Collisions

Road safety is the main priority of drivers across the country. Practicing safe driving not only saves lives but it also saves money. Making sure goods arrive to their destination undamaged and on time is what earns money. Avoiding collisions is a major part of making this happen. While some collisions cannot be avoided by drivers, many can and this is the type of accident that drivers should be prepared for. 

Vehicle Crash Causes

There are many factors that go into vehicular crashes. Some of these aren’t changeable, but many causes of crashes can be avoided. Some of the major reasons that truck collisions occur include: distracted driving, fatigue, impaired driving, speed, lack of experience, failure to obey traffic rules, poor judgment, loading error, and passenger vehicle error, according to the Pahlke Law Group. Not all of these are preventable, but it is possible to take some cautionary measures against dangerous situations.

Driver Error

There are two major factors that cause collisions in the trucking industry. One of these is driver error. As mentioned before, driver error can be caused by any number of things from distractions and fatigue to impaired driving and speed. These are the primary incidents that can be prevented by responsible drivers. The best ways to stop accidents from happening are to avoid taking intoxicating substances, drive the speed limit, ensure the driver is staying vigilant, and is aware of the laws and rules of the road. 

Some strategies to avoid taking intoxicating substances include saying no if offered, especially when on the job, and seeking professional help when unable to quit using impairing substances independently. To avoid speeding, it is best to plan routes ahead of time to understand the travel time and the amount of time for rest and food. To stay aware, follow the rules regarding rest and sleep, as it is important to get sufficient rest. Also, listening to music or a podcast can help promote alertness. 

Outside Error

The other type of collision is those caused by outside forces. Whether it be a lack of training on the part of companies, civilian vehicle accidents, or improper loading. There are many things that can go wrong outside of the driver’s control. Some of the danger from these can be mitigated with proper training and preparedness. Making sure that driver training is up to date and that drivers feel comfortable on the road and can follow the rules accordingly is very important to keeping everyone safe. Companies should be sure to fully train and prepare their drivers. The next thing that can be addressed is improper loading. Taking a few extra seconds to be sure the load is secure is always a good idea. Avoiding civilian accidents is the most difficult of these as there are drivers on the road who drive while intoxicated or drive dangerously. These can be hard to predict, but staying alert and focusing on the road is the best way to avoid serious incidents.

Final Thoughts

Drivers are an incredibly valuable part of the American economy and deserve to be safe and well-equipped to handle the more dangerous parts of the job. While not all accidents can be prevented, it is possible to lessen the chances of different types of collisions and decrease the potential for serious damage or injury by being adequately trained and staying alert!

6 Podcasts to Listen to While on the Road

Podcasts are all the rage these days. As a downloadable way to stay up to date on news, listen to intriguing stories, or learn more about any subject, they have made staticky radio shows a thing of the past and allow you to stay more engaged while on the road. The most interesting podcasts vary by what you find intriguing, but no matter where you look for podcasts, you are sure to find something interesting!

Choosing A Podcast

Listening to podcasts on the road is a great way to keep yourself awake and keep your brain active without sacrificing your level of concentration. The best thing about podcasts is that you can download them and have them automatically play for uninterrupted streaming! There are many different apps you can use to locate podcasts. The most popular apps are Apple Podcasts, Spotify, and Google Podcasts. All these podcast platforms are free but, there are in-app purchases for Spotify to eliminate ads from your listening.

The best podcast for you may not be the best for someone else. That is the great thing about podcasts, there is something for everyone. If you’re unsure about a specific podcast, download an episode or two and give them a listen while on your next journey. The best way to find good podcasts is by searching for a keyword that interests you like “News,” “Sports,” “History,” or any number of subjects!

The Lineup

These podcasts are on different subjects, so you can do more exploring by looking at similar podcasts but, as a starting guide here is the lineup:

  • Truck Driving: TalkCDL is a podcast from drivers to drivers about the ins and outs of the trucking industry. This podcast has industry news, facts, statistics, and discussions on nearly all parts of driving!
  • News: What a Day is a podcast covering the general news of the day with stories you may have missed and important happenings in the world. This podcast mixes in a little humor with the news to lighten the mood.
  • History: Malcolm Gladwell’s Revisionist History is a podcast that goes through time and reexamines seemingly ordinary occurrences and brings new light to them. Perfect for someone who wants to dive deeper into history!
  • Sports: Pardon My Take is a sports podcast filled with information and stats along with athlete interviews and a good measure of comedy!
  • Technology: Back To Work is a podcast that aims to connect technological changes in industry back to the people who are impacted by them. It makes technology even more relevant to the modern audience. 
  • True Crime: True Crime podcasts are very popular now. They go through spooky real stories that are intriguing and sometimes a little scary. Serial is one of the most popular true crime podcasts. It allows aspiring detectives a look into the investigative world!

Final Thoughts

Podcasts are made for everyone. There is certainly something you can find to suit your interests, whether it’s for learning or entertainment. If you need a way to stay engaged safely while on the road, listening to podcasts can make those long drives seem shorter and prevent you from getting restless and sleepy. If you didn’t see a podcast that interested you in our list, search online or within the podcast platforms to find your interests!

Coping With Stress on the Job

Stress is a part of life. As a natural nervous response to perceived danger, it serves an important function in keeping you alert and safe even in difficult situations. However, in the world today, we are exposed to many more stressors than our ancestors so managing these and keeping from becoming chronically stressed is important. Chronic stress can cause many bodily issues such as high blood pressure, cardiac issues, along with potentially weakening the immune system. 

The solution may seem obvious, just avoid stress. However, staying away from stressful situations is not always possible, especially while working in any career. This isn’t the end of the world though, as stressful situations are able to be managed with the right strategies. Learning to handle stress productively will help you become a calmer, happier, and more motivated person.  

What Causes Stress?

Stress is a response that the brain has to a perceived threat. Since humans used to be more exposed to danger, like wild animals, storms, and other hazards, the stress response developed to keep them safe as it increases heart rate and brain activity to make it possible for the person to get out of the situation unharmed. Nowadays, there are not many wild animals that we have to worry about on  a daily basis, but situations that cause stress may be as simple as failing to do something or taking tests. In each of these moments, the brain is convinced that harm will come, so it triggers the stress response.

The stress response happens as the brain releases hormones that increase blood pressure and pulse, which causes hair to stand on end, and create a general feeling of anxiety. This is normal. Stress is a natural human response to fear-inducing events, but it can be controlled. There are strategies for managing stress like exercise, mindfulness practice, reading, and therapy. Talk to your medical provider about your stress and see what their suggestion is on the best way to manage it. 

Stressful Situations and Staying Calm

Stressful situations are everywhere! From being late to work, to forgetting a loved one’s birthday, each of these can cause a stress response. There are plenty of reasons for the stress response to be triggered, and driving can create some as well. From managing time, to the potential danger of cargo thieves, stress sometimes happens.

The good news is you can manage even the most stressful situations. Some quick strategies to keep your stress levels down are: exercise and move often, making sure to stretch, drinking less caffeine, and being mindful about what is causing your stress. Understanding your own stress response will help you to be aware of what causes you stress and create strategies to avoid becoming too anxious. If you try these and remain stressed, talk to your doctor, and they can give you strategies to manage stress.

Final Thoughts

Stress is everywhere, but you have a powerful mind that can work around being knocked down by stress. There are plenty of things that cause stress, but there are also many things that can be done to help ease stress. Don’t give up, and if you are feeling overly stressed for a long period of time, do speak with your clinician, and they can help you find coping strategies personalized to you. 

There’s an App for That

Everything is online nowadays and the common anecdote, “there’s an app for that,” rings true for the most part. There are apps and sites for nearly everything, from getting news and reading books to tracking your health and buying things online. Almost anything you search for in your smartphone’s app store will turn out results. It isn’t a bad thing that there are apps for nearly every utilization imaginable. In fact, it can be good for the trucking industry, as well as your own experience in driving, managing, or dispatching. 

Applications

With the rise of the smartphone came the rise of the application or app. An app is a piece of software you can install on your phone for a specific purpose. People all over the world create different apps for your phone that are available in the app store (sometimes for free, and usually for a low price). These apps are created to help make your life easier through providing entertainment, a hub for news, or adding technology to a part of your life that will make your day easier, such as creating to-do lists, shopping without going to the store, or ordering takeout. Apps are for people from all walks of life, and those in the trucking industry are no exception.

Finding Resources

Technology is everywhere, and there are plenty of ways to use it to your advantage. Most of the time, there are technologies created to address the specific issue you may be facing. For trucking and transport there are several apps to help ease the entire process, and the best place to look would be the app store first. Then check out the reviews and ratings of each app to find the best one for you. 

Many popular apps for drivers are GPS based and contain a logbook for you to track your routes. This can be important for providing information to your overseers, or for keeping track of your own business. The GPS feature of many apps allow for easier navigation and the ability to avoid high-risk zones, and plan around meals, breaks, and stops. Some apps are even available that allow you to locate loads or drivers depending on what you need. 

If you are unsure about an app, do some research online and you will likely be able to determine how well it works, and even which one would best suit your needs. Even if you aren’t using trucking industry specific apps, there are applications that are always a good idea to have on your phone as a driver. These include health apps to track your fitness, map apps to track your routes, reminder apps to be sure you stay on task, and some apps for entertainment like podcasts and music to stay mentally engaged while on your trip.

Final Thoughts

There are many benefits to living in the 21st century from updated medical care, to having awesome technology to make your life easier. Finding the right apps to put on your phone is important, and you can do this by taking a few minutes out of your day to see what things may make your life easier, and then searching for them on the app store of your choosing. 

All About the Federal Motor Carrier Safety Administration

Regulation, regulation, regulation- the government is very good at you guessed it, regulation. Sometimes the laws and rules around driving and the trucking industry or even the economy seem tedious and invasive, but governmental regulation can be a very good thing for the safety and prosperity of everyone in the nation. Following guidelines and keeping equipment up to date to the standards of governmental authority can sometimes seem like too much to keep track of but being sure to stay within the rules is a great way to stay safe and free of expensive fines and limitations.

The Federal Motor Carrier Safety Administration (FMCSA) is a governmental authority that plays a major role in regulating the national motor transport industry from long-haul to regional trucking and everything in between. The goal of the Federal Motor Carrier Safety Administration is to “keep our nation’s roadways safe and improve commercial motor vehicle safety through regulation, education, enforcement, research, and technology.”

A History of Transport

The United States has had a long history of transporting goods, even before the nation was founded, farmers, trappers, and traders carried goods across the continent for trading purposes. After the days of horses and buggies, railroads and steamships came into the limelight as a great way to expediently transport goods across the nation, and even across the world. While cargo ships and railways are still used to transport goods daily, the American Trucking Industry is the primary means of transport for domestic cargo.

The first modern type of tractor trailer was built and used in 1914 to transport a boat- ever since then, 18-wheelers have taken over the roads as the most efficient form of transport over land. With the ability to move huge amounts of goods faster than any other terrestrial vehicle, it’s a no-brainer that trucks became so popular. The increase in trucks prompted the need for regulation- for a while, the industry was in a wild west stage with little regulation and little safety but creating guidelines for those in the industry whether it be drivers, engineers, or managers helped in forming the trucking industry of today! 

A Useful Resource

The FMCSA is not only a regulating and enforcing agency, but also a useful research and educational base for drivers and managers. The FMCSA website is filled with articles about how to improve your driving or managing experience, and it also has news about the latest technology and how it impacts the industry. One of the most important tabs on the entire website is the safety tab- it contains information on keeping yourself and others safe from all the risks that occur with the industry.

The FMCSA also serves as a database for statistics, information, and driver data. Managers can use FMCSA Licensing and Insurance public record to ensure that they are hiring legitimate drivers which is important for keeping their business, other drivers, and the public safe. The FMCSA serves as a useful hub for everyone in the industry, allowing them to stay current and informed.

Final Thoughts

The FMCSA is a great resource for everyone in the industry, giving the latest news on technology, statistics, and regulations. There are many resources on the FMCSA website for making your routes safer, happier, and healthier through articles, rules, and press releases about current issues in the industry. It’s an awesome idea to check out the FMCSA website (linked here) to explore the regulation side of the industry!

Fresh and Fit: Tips for Eating Healthy on the Road

You hear all about it in the news, “eat healthy and be active for a long life,” and you for sure want a long life, but sometimes it’s hard to follow those two directives as a driver whether you’re in it for the long-haul or local transport. 

Healthy Lifestyle

Driving can make having a healthy lifestyle difficult, especially when loads are so frequent and time is so short. Finding time to exercise and plan out meals can become difficult to manage in between journeys. This can add stress to an already stressful day, week, or month. This is problematic because health is so important; it makes you feel better, thus making you a better driver, and it prevents the risk of health conditions associated with being a driver such as high blood pressure, high cholesterol, obesity, and diabetes. 

Some drivers may be struggling with these health conditions and are trying to become healthier. It is extremely important to form healthy habits over bad ones and create a lifestyle around these healthier habits. Whether you are already healthy and trying to remain so, or you are on the journey to becoming healthier, setting goals, planning routes, and learning how to eat to best benefit your body are all important steps to take to form healthy habits and eventually a healthy lifestyle!

Goals, Planning, and Healthy Food

Setting specific goals is important to your success. If you just set the goal of “I want to be healthy,” it is not likely that you will achieve it. However, if you follow this set of three S’s (Specific, Scheduled, and Sustainable) you can achieve your goals: Specific (make your goal specific, “I will lose 30 lbs.”), Scheduled (set a time frame for your goal, “I will lose 30 lbs. in 6 months), and Sustainable (make your goal attainable and explain how you will accomplish it, “I will choose healthy food over unhealthy food at least twice a day and exercise 3 days per week”). 

Reaching your goals can be difficult without a plan. While you are thinking about your route, do a search for healthy restaurants on your route, or even find healthy options at fast food restaurants. These may not be nearly as tasty, but the benefits will be evident as you do this consistently and become healthier. Finding healthy food may be difficult, but it is always a good idea to use the internet to assist you. Doing a quick search for healthy restaurants or healthy options at a restaurant can give you some guidance. Also, a talk with your doctor about creating a plan for healthy eating is a great start to creating a very healthy lifestyle!

Can I Habit?

Humans are creatures of habit. We even form routines subconsciously. This is especially true of our eating and sleeping habits. Sometimes our bodies do not know what is best for us, so we begin having strange sleep schedules to stay up and watch the Late Late Show or eat high sugar, high fat, high sodium meals at all hours of the day because it satisfies cravings. People don’t usually form these habits on purpose, but when unhealthy meals are so readily available it makes forming healthy eating habits extremely difficult.

Therefore, forming healthy habits on purpose is important. Rather than breaking old habits, which is nearly impossible, form new ones and the old ones will eventually fade away as your brain pays attention to these new healthy ones. So, how do you do that? The best way to form a habit is repetition, and to remember to repeat the action, you may have to write it down or set a reminder on your phone. Sometimes it may be hard to choose that grilled chicken and veggie plate over a burger and fries, but remember your goal and your reason for choosing health and it will become easier. 

Final Thoughts

Your health is incredibly important and it will help you to live a long life with less risk of developing major medical conditions. If you are unsure where to start or how to set your goals, have a conversation with your doctor and do some research to figure out how to create the best healthy lifestyle for yourself!

2021 is the year for electric trucks. What does this mean for the trucking industry?

It’s electric! As the popular dance song exclaimed in the 90s, electric vehicles are all the rage these days and for good reason. Electric vehicles are now being manufactured by more than fringe corporations, and they are more reliably and neatly constructed than the somewhat disappointing electric vehicles of the past. Touted as the wave of the future, electric vehicles are becoming increasingly more popular as they increase in efficiency and range. 

Electric Vehicles

Electric vehicles are far different from most conventional vehicles in the United States. Most cars, trucks, and even planes run off fossil fuels. Instead of combustion engines, electric vehicles use rechargeable batteries (in various formulations, though lithium-ion batteries seem to be the most popular) to power motors. Until the 21st century, electric vehicles were mostly niche, short-range contraptions that were yet to fully pass public scrutiny.

With the rise of mainstream automotive companies making hybrid and electric cars, there has been an upsurge in public trust of these vehicles. A major player in the electric vehicle industry is Tesla. So, what is the benefit of electric over gas? There are actually quite a few benefits for both the consumer and the environment. Electric vehicles do not require fuel to recharge, so they take advantage of a power source in either your home or an electric vehicle charging station (this usually costs about $9 to fully charge an electric car, making it much cheaper than conventional fuel). Also, they do not emit fumes and gases into the atmosphere which is beneficial from a climate conscious standpoint, as well as preventing traces of lead and other heavy metals from entering the air, soil, and waterways.

The Way of the Future?

Average electric trucks are currently only equipped with about 300 miles of range, at maximum, so they are still a ways away from becoming the sole vehicles of the transportation industry. However, most of the trucking in the United States is performed fairly locally, and electric vehicles shine in short-range transportation. Along with no major fuel costs, electric trucks are also less prone to breakage due to the fact that there are not as many intricate moving parts as in the engines of conventional vehicles. 

This reduction of necessary repairs and replacements will save time, stress, and money which will allow drivers to transport more goods more frequently. While this will certainly be a cheaper model for companies to adopt, it will be a challenge to ensure there are enough charging ports at stations. All things considered, electric vehicles will not likely take over as the sole mode of transportation just yet, as there are many improvements and innovations to be developed.

Final Thoughts

Electric vehicles are becoming more popular, but there is no doubt that the trucking industry will persevere since people depend on this intricate system of transportation to receive the goods that they need. There will certainly be challenges as the industry shifts to adopt a more electric-friendly mode. These challenges will be worth it, due to the reduction in repair times and costs for the vehicles. The trucking industry should be excited about the potential benefits of going green, as this will be a cheaper and more sustainable model in the long run. 

What is the Truck Parking bill all about?

Parking is something that all drivers, who transport freight long distances, worry about on a regular basis. While some truck stops offer parking and there are other locations that may be viable, there is a serious shortage of free and convenient parking available for drivers across the nation which poses a serious and sometimes life-threatening dilemma. Should the driver continue driving until they reach a parking area, which is dangerous as they are already fatigued, or should they park in a dangerous or illegal place to get some rest?

Outrage at this dilemma has caused many to speak out in favor of drivers. There has recently been a bipartisan bill introduced in the House of Representatives known as the Truck Parking Safety Improvement Act or H.R.6104. If passed, this bill would mean there would be a national initiative to provide more accessible free parking to drivers across the nation to promote their safety and the safety of everyone else driving on the interstate as well.

An Explanation

So why is the Truck Parking Bill only being considered now? It has been a long needed and awaited amendment to the legislation regarding the infrastructure of the United States, so it seemingly should have arrived sooner. Unfortunately, the legal system can be slow, and it is a lengthy process to get a bill written, sponsored, and presented to the house.  then voting, compromising, and ratifying take an added period of time which varies from bill to bill.

Thankfully, bills that benefit drivers are becoming more prevalent. In fact, there has already been an effort to prevent driver injury through Jason’s Law (named after a driver who was murdered after parking in a dangerous area). The issue with this law is that it does not hold enough power to create a national change.  Therefore, Representatives Mike Bost and Angie Craig (who are on different sides of the political aisle) have sponsored the bill to increase available parking for drivers.

Safety and Security

With the truck driving industry growing larger each day, and being projected to grow even more, our current infrastructure cannot keep up with and support drivers who need to rest between long periods of driving. Creating more parking spaces at rest areas, weigh stations, and other locations would allow drivers to feel safe and secure while resting, which will reduce the strain and stress they face daily. If this bill is enacted, it will allocate $755 million to the DOT to undertake the project and provide safe and free places to rest for drivers everywhere. 

Final Thoughts

The Truck Parking Bill is an important step in improving the working conditions for members of one of America’s largest industries. Keeping our drivers safe should be one of the main priorities in legislation, and now it is finally gaining ground. The fact that this bill is bipartisan truly shows how important it is and how little debate there should be over the fact that more must be done to help drivers perform at their very best. The Truck Parking Bill has the potential to do great things for drivers across the nation and set an example for constructing proper rest locations (and enough of them) for the rest of the world to follow. 

Sources:
https://bost.house.gov/media-center/press-releases/bost-bill-expand-truck-parking-would-make-roads-safer
https://www.thetruckersreport.com/truck-parking-bill-mean-755-million-new-free-truck-parking/
https://www.truckinginfo.com/352754/bipartisan-truck-parking-bill-introduced-in-house
https://www.govtrack.us/congress/bills/116/hr6104
https://landline.media/truck-parking-bill-receives-attention-at-house-hearing/ 

Health-share vs Traditional Health Insurance

traditional-health
Truck drivers have a statistically high risk job. The combination of sleep deprivation, long hours, and tight schedules means that truck drivers can be susceptible to accidents that, under normal driving conditions, might not happen. It’s a high stress job and working conditions are often hard on the body. According to the Bureau of Labor Statistics, it is estimated that approximately 70% of truck drivers have at least one serious health condition. A preexisting condition, plus a high risk job, means that less health insurance companies will cover you. The companies that will cover you are also going to charge you more than the general public. On top of all of this, the average age of a truck driver is 55, which is an age where the body begins needing more medical attention than ever. In short, getting a good health insurance plan for truck drivers is not an easy task.

Faced with the prospect of being denied by health insurance providers, or paying hefty premiums, what can you do? What is the best health insurance option for truck drivers that want to keep it affordable? There are multiple options and we’ll walk you through them.

Do Truck Drivers Qualify For Medicaid?

It depends on how much you make. If you’re just starting out as a new truck driver and you make below $30,150, then Medicaid may be the best option for you. It just might not be the best long term option for you. The average truck driver’s salary is around $43,464 per year. With this being well over Medicaid’s salary cap, a career truck driver cannot depend on Medicaid for their health insurance needs. So, for most truck drivers, the ones who want to make a career out of driving,  Medicaid is not going to be a viable option.

What Other Health Insurance Options Are Out There That Are Affordable?

Truck drivers can take advantage of something called a health-share plan that can be an alternative to traditional health insurance. This can make driving a truck a more appealing career choice by making your healthcare more affordable. Essentially, a health-share plan works in the same way as a traditional plan would whenever you go to pay for healthcare. However, health-share plans are uniquely suited to the truck driving industry.

Your payments (or premiums) into a health-share plan are going to be lower than you would have to pay for traditional health insurance. Not only that, but your hard-earned money isn’t going to a faceless insurance company. Your premium goes toward helping other truck drivers when they need the money for their healthcare needs. Then, when you have a health care need, it’s your turn to take money out of the account.

Under the health-share system, your payments made into the plan are placed into an escrow account. When a healthcare need arises, your claim will be paid for through the funds available in the escrow account.

Finally, you can depend on health-share plans acting as most other insurance options. Health-share plans offer visits to the doctor, discounts on prescriptions, and preventative care programs.