You drove all weekend on two apps and still do not know what you cleared after gas. Now think about a trip to the doctor on top of that. When you work for the apps, nobody hands you a health plan. Prime Health Consultants is an independent insurance agency in Sunrise. Our licensed advisors explain private health plans to rideshare, delivery and other app-based workers in plain language, in English or Spanish.
Rideshare and delivery apps usually treat drivers and couriers as independent contractors. That means you are paid on a 1099 instead of a W-2, and the app does not give you the kind of health plan an employer would.
Some apps offer limited protection while you are on a trip. Check what yours says, and whether it is a health plan or something narrower. A full health plan is a different product from a trip-based protection.
When you drive for a living, a crash is a real risk, and two kinds of insurance can be involved. Your auto policy may include personal injury protection, often called PIP. Your health plan is separate. How the two work together after an accident depends on both policies.
Ask your auto insurance agent how your policy treats injuries while you are working. Ask your health advisor what a health plan covers and what it excludes. We help with health plans only, and we do not give advice on auto insurance.
Apps pay on their own schedule. Tips rise and fall, a slow week follows a busy one, and a platform can change how much work it sends you. Your health plan bills on a monthly schedule no matter what the week looked like.
That is why it helps to learn three terms before you choose. The deductible is the amount you pay for care before the plan starts to share the bill. The out-of-pocket maximum caps what you could pay for covered care in a plan year. A copay is a flat amount for a visit. A smaller monthly payment often leaves a bigger share to you at the clinic. Choose with your slow weeks in mind.
Plenty of drivers stack two or three apps, or drive after a part-time job. If one of those jobs offers a plan, look at it. If none does, a private plan is one option to compare. You can apply any time of year.
If you deliver on a scooter or a bike, tell your advisor how you work. It helps us talk through the plan questions that matter to you, such as urgent care nearby.
PPO stands for preferred provider organization. In plain words, the plan has a list of doctors, clinics and hospitals it likes you to use, and using them usually costs less. Care outside that list may be paid differently, or not at all, depending on the plan. Our plans are private and medically underwritten, not ACA Marketplace plans.
Medically underwritten means the carrier asks about your health and may approve you, decline you, or exclude certain conditions. Plans have exclusions and limitations, and they may not cover every benefit. A private plan tends to fit app workers under 65 who are in reasonably good health. It may not fit if you or someone you want to cover has an ongoing health condition. Answer every question truthfully.
Mileage and car costs are a tax topic of their own. Separately, the IRS has a self-employed health insurance deduction. The instructions for Form 7206 explain it, and the result is reported on Schedule 1 of Form 1040. This is general information, not tax advice, so talk with a tax professional about your situation.
Tell us how you work. Which apps, how many hours, and who needs coverage.
Compare with slow weeks in mind. A licensed advisor explains deductibles, copays, networks and what the carrier may ask.
Apply at your own pace. Talk with us between rides, by phone, WhatsApp or video. We never sell your information.
Prime Health Consultants
1550 Sawgrass Corporate Pkwy, 3rd Floor, Sunrise, FL 33323Phone: (305) 333-1434 · WhatsApp: (786) 675-7004
Hours: Mon–Fri 9 AM–9 PM · Sat 9 AM–8 PM · Sun 9 AM–5 PM
Get directionsAreas we serve: All of Florida, by phone, WhatsApp or video, and in person at our Sunrise office. Our licensed agent Julio Fernandez is licensed in 30 states.
Platforms differ. Some offer limited protection tied to a trip, which is not the same as a health plan. Read what yours says, and ask us what a health plan covers.
You can apply for an individual private plan. The carrier decides whether to approve your application. Your advisor can explain what you would owe if you used care, so a slow week does not surprise you.
It depends on the plan and on your auto policy, since the two can work together. Ask your health advisor about plan exclusions and your auto insurance agent about your policy. We cover health plans only.
Yes. Private plans can be applied for at any time of year, and the carrier decides. The date coverage begins varies by plan.
Possibly. Gig workers who report a net profit on their own return can fall under the IRS rules, but the details matter. The IRS explains the deduction in the Form 7206 instructions, so talk with a tax professional about your situation. For the general rules, read our guide to the deduction.
A medically underwritten plan can decline an application or exclude a condition, so it is not right for everyone. Tell your advisor up front and we will talk through your options.
No. We work with plans for people under 65 and we do not offer Medicare. For Medicare questions, contact Medicare at 1-800-633-4227 or Florida SHINE at 1-800-963-5337.