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Does Health Insurance Cover DOT Physicals?

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Employees working for a transportation company are often required to take a DOT physical exam. It is a common test for truckers and bus drivers in California and across the US. If you plan to drive a commercial vehicle, you need to learn all the information about this test, like where to get a DOT exam in Jurupa Valley, CA. 

Here are all the questions you might have, along with detailed answers;

What is a DOT physical exam? 

The Department of Transportation(DOT) Exam is a physical examination to determine an employee’s capacity to work in compliance with the safety rules and regulations. Many employees whose positions are labeled as “safety-sensitive” are required to undergo a series of tests that evaluate their vision, hearing, blood pressure, sugar levels, physical fitness, and, in some cases, sleep apnea. 

A DOT Physical Exam follows strict guidelines outlined by the Federal Motor Carrier Safety Administration (FMCSA) to maintain safety standards. Most drivers who operate commercial vehicles such as buses, vans, and trucks are required to undergo a DOT Physical Exam and get evaluated by a licensed medical examiner. This exam ensures that the employee is physically and emotionally fit to perform.

Who is able to conduct a DOT physical?

Dot Physical Exams are conducted by licensed medical professionals. These include the following:

  • Doctors of Medicine (MD)
  • Doctors of Chiropractor (DC)
  • Doctors of Osteopathy (DO) 
  • Advanced Practice Nurses (APN)
  • Physician Assistants (PA)

How much does a DOT physical cost?

The cost of a DOT exam varies widely, and there is no fixed benchmark for the test. On average, this test can cost you anywhere between $80 to $300. 

In certain cases, some sites and institutions may charge a lot more to do the test. It is advised to call and inquire about the associated costs upfront in order to avoid confusion and mishaps.

Does health insurance cover DOT physicals?

This is a common question that many people ask. So, does health insurance cover DOT Physicals? Well, this question doesn’t have a Yes or No answer. Usually, medical examinations are only covered by health insurance when they are a part of a patient’s evaluation in diagnosing a specific health condition. This is not the case with DOT exams, and therefore, it is unlikely to be covered by health insurance. 

However, there are some exceptions where the test may be fully covered. If your healthcare provider has included the DOT exam as part of the annual medical examinations, it will be covered by your insurance. Some states, such as Oregon, also cover the DOT Physical under their health insurance for all their government employees. There are also some trucking companies contracting their insurance companies to enter an agreement that allows their employees to cover medical examinations such as the DOT Physical.

Hence, while the DOT Physical is usually not covered by health insurance, there is a possibility that it falls under their umbrella.

How to prepare for a DOT physical? 

Preparing for a DOT physical exam is crucial for ensuring a successful evaluation. The first thing to do is review the FMCSA regulations to understand the specific requirements and expectations. Gather all necessary documentation, such as your medical history, current medications, specific health conditions, and any other medical records you may need. 

Ensure that you are well-rested and in good health on the day of the exam. Avoid drinking coffee or smoking a cigarette, as these can spike up your blood pressure. It is also essential to be honest and thorough when discussing your medical history and current health status with the medical examiner. A healthy lifestyle through regular exercise and a balanced diet can significantly increase the chances of success during the test. 

Last but not least, stay informed about any updates or changes in the regulations to stay compliant with the DOT standards. Taking these steps will help you approach your DOT physical exam with confidence, and you can expect a successful result.

What conditions prevent you from passing a DOT exam?

There are certain health conditions that prevent an individual from passing their DOT examinations. These include Diabetes, Hernia, High BMI, sleep apnoea, etc. Low vision and hearing conditions that cannot be corrected may also prevent you from clearing the examination.


Here are some of the most commonly asked questions about a DOT exam;

  • What happens after a DOT physical? Once you’ve been evaluated by the medical examiner, you will be issued a copy of the results and a medical examiner’s certificate. This can be used to get your DOT card, which is a requirement, along with a CDL (commercial driver’s licence), to operate a commercial vehicle.
  • Is the urinalysis test in a DOT exam a drug test? It is a common misconception that the DOT exam includes a drug test. Yes, urinalysis is a test that is part of the examination, but in most cases, it is done to check for underlying medical conditions such as diabetes.
  • What if you fail your DOT physical exam? Failing a medical test is never good news, but there is nothing to worry about. If you fail to pass the DOT physical, you can start working on your physical health by making some lifestyle changes to get back on the road.


There is no doubt that DOT exams are crucial for any individual who is operating or trying to operate a commercial vehicle. While these tests can be complicated, you can easily contact a reputable institution and get it done. 

Currently, Dr. Arman Ghods offers DOT Exam in Jurupa Valley, California. They are open 6 days a week, and walk-in customers can sign up for their DOT Exams right away. 

Make sure you are well prepared for the examination and carry all your documents on the day so that you can clear this barrier and get back on the road!

Ellen Diamond, a psychology graduate from the University of Hertfordshire, has a keen interest in the fields of mental health, wellness, and lifestyle.

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