A FleetWell member benefit

Health coverage built for
owner-operators|

Real benefits on the Cigna and PHCS PPO networks, up to 30% less than the ACA marketplace. Built for owner-operators, drivers, small fleets and the families riding along with them.

FleetWellin partnership with Molli Health

Virtual visit bookedVitable · today 2:40 PM · $0

In networkUrgent care · 1.8 mi off exit 312

ID card

Cigna PPO

Marcus Reed

Member IDFW 4471 0928

PlanPro · $5,000

RxTrueScripts

ClaimsTrue Claim

Deductible$1,240 of $5,000

After $5,000, the plan pays 100%

Virtual primary careSame-day with Vitable

Book

Find care near meDoctors, urgent care, pharmacies

Search

Ask about my coverageAnswers any hour

Chat

30%

Up to 30% lower cost than ACA plans.

2M+

Providers through the Cigna and PHCS PPO networks.

Virtual primary care and generic prescriptions.

The plans

Three ways to get covered.

Every plan includes $0 virtual primary care and $0 generic prescriptions. Pick the deductible and the price that fit.

Major Medical

Real time by age and ZIP

Three deductibles. The plan pays 100% after you meet it, so the deductible is the most you pay for covered care in a year.

$2,500, $5,000 or $10,000 deductible
100% covered after the deductible
HSA-qualified options
2M+ providers nationwide

First Health network

MEC Plus

$125 /mo, flat

The richer MEC tier: real-world visits with predictable copays. Same price at every age.

$15 primary care, $25 specialist and urgent care copays
X-ray and basic diagnostics, $50 copay
Unlimited $0 virtual primary care
$0 generics

First Health network

MEC

$70 /mo, flat

Everyday access: preventive care, virtual doctors and free generics for one flat price.

ACA preventive services covered 100%
Unlimited $0 virtual primary care
Labs and common tests, $0
$0 generics

Add to any plan

Dental, vision and supplemental

MetLife. Flat composite rates for accident and hospital indemnity; dental and vision quoted at enrollment.

Dental
Vision
Accident
Hospital indemnity
Critical illness

For the co-pilot

Pet insurance by Spot

FleetWell members get access to Spot pet insurance plans for the dog or cat riding along. Customizable coverage for accidents, illnesses and more, with a FleetWell program code applied.

See FleetWell pet plans →spotpet.com

Every plan

Included with every plan.

The Molli app runs the whole thing from the cab: ID card, pricing, provider search and an agent that answers coverage questions.

Preventive care

Annual visits, screenings and immunizations.

Unlimited virtual primary care

Through Vitable, same-day and next-day, from wherever you are parked.

Generic prescriptions

1,000+ generics at no cost.

Provider and facility search

Find in-network care near your next stop.

Real-time pricing

By age and ZIP, before you commit.

An agent for coverage questions

Instant answers, any hour, in plain language.

How it works

Three steps. About ten minutes.

No open enrollment window. Joining is the qualifying event, so you can start any month.

2 min

Tell us about yourself

Where you live and who needs coverage. You see real prices right away.

5 min

Become a member

Membership is your door to coverage. A short application, done on your phone.

3 min

Pick a plan

Choose your network and deductible. ID card ready in the app the same day.

Coverage that rides with you, every mile.

FAQ

Still have questions?

Who in the FleetWell community can join?

Owner-operators, drivers, small fleet owners, dispatchers and trucking families who buy their own coverage, including people who are not eligible for an employer plan. This page and its pricing are here for the FleetWell community.

Is this an employer group plan?

No. Coverage is individual. Each person joins on their own, picks their own plan, and pays their own monthly amount. Nothing runs through your carrier or your fleet, and it goes with you if you change who you drive for.

When can I sign up?

Any month. Becoming a member is a qualifying event, so you don't have to wait for open enrollment. Most people are covered within a few days of signing up.

Can I add my spouse or kids?

Yes. Family pricing is shown at plan selection, based on each person's age. The family deductible is two times the individual amount, and no one person pays more than their own deductible.

Can I keep my doctor?

Most likely. Cigna PPO and PHCS are both national networks. You can search for your doctors during onboarding, before you pick a plan, and again any time in the app.

Does it cover me on the road, away from home?

Yes. Cigna PPO and PHCS are both national networks, so care is in network whether you are home or three states out on a run. The app finds in-network doctors, urgent care and pharmacies wherever you are, and virtual primary care works from the cab.

What does it actually cost?

Major medical is priced by age and ZIP code and shown before you commit. MEC is $70 a month and MEC Plus is $125 a month at every age. Tap Join now to see your price.