If you buy your own cover, the network decides which hospital will treat you. These pages work through that choice trade by trade.
General ContractorsCrews on multiple sites, and the nearest trauma centre is rarely the one you picked.
ElectriciansBurn and hand injuries route to specific centres. Check those first.
PlumbersSolo and small-shop cover, bought without an employer network behind it.
HVAC ContractorsRooftop and attic work, and which system is in your plan when it goes wrong.
RoofersThe highest-risk trade on this list. Network breadth matters more than premium.
WeldersEye and burn care, and whether the plan you bought reaches the right centre.
Truck DriversYou are treated wherever you happen to be, which is the whole problem.
AccountantsBuying your own after leaving a firm, without the group network.
Real Estate Agents1099 from day one, so the network choice is entirely yours.
ConsultantsIndependent, often travelling, and choosing a network alone.
Which plans cover the hospital nearest your work?
One ZIP and the hospital that matters to you.
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“I run my own business and my time is valuable. Daniel handled everything — compared the private options, explained what I was actually getting, and had me covered fast. Way better experience than trying to navigate it myself.”