Mega Carrier- Best Insurance And Benefits?
Topic 30577 | Page 2
I need good insurance for my wife and I and good prescription coverage
I know I probably won’t get it as good as I have it now but it still needs to be good
Rick
Sorry for the double answer lol
Rick
You can just wait until you are 65 years old and get your Medicare. Works for me but it took me 65 years to qualify.
Lol. I have been trying to do research but it seems like I might be better waiting a couple months till I am ready to apply and then get all the info. I did find out my wife can get her own insurance and it is pretty good. She needs it more than I do so I could get something cheap, etc
Rick
Rick, I have insurance for me and my wife. I have everything and every extra that CFI offers except pet insurance. My wife is diabetic and takes many prescriptions.
I chose a plan with HSA and a $5000.00 out of pocket max per person. We planned for her to have weight loss surgery this year and between what I put in the HSA and we saved, we didn't feel the $5000.00 hit.
I easily make enough to pay for the benefits and all of our bills as I am the only income.
Except for the per diem fee, this is what I pay each week. CFI puts about $20 per week into my HSA. I put the $96.15 into my HSA.
Per Diem:
Getting paid per diem means getting a portion of your salary paid to you without taxes taken out. It's technically classified as a meal and expense reimbursement.
Truck drivers and others who travel for a living get large tax deductions for meal expenses. The Government set up per diem pay as a way to reimburse some of the taxes you pay with each paycheck instead of making you wait until tax filing season.
Getting per diem pay means a driver will get a larger paycheck each week but a smaller tax return at tax time.
We have a ton of information on our wiki page on per diem pay
HOS:
Hours Of Service
HOS refers to the logbook hours of service regulations.
As most companies begin sending out their open enrollment information in the coming months we should get a thread going with the all benefit options employees have as well as when they kick in for the companies we drive for, particularly those that hire new drivers. Pictures of the pamphlet would be ideal. As Rick has discovered this information is very difficult to come by.
If someone feels uncomfortable having their name attached to it maybe submitting it to Brett or another trusted member to post it on your behalf is an option.
BMI:
Body mass index (BMI)
BMI is a formula that uses weight and height to estimate body fat. For most people, BMI provides a reasonable estimate of body fat. The BMI's biggest weakness is that it doesn't consider individual factors such as bone or muscle mass. BMI may:
- Underestimate body fat for older adults or other people with low muscle mass
- Overestimate body fat for people who are very muscular and physically fit
It's quite common, especially for men, to fall into the "overweight" category if you happen to be stronger than average. If you're pretty strong but in good shape then pay no attention.
HOS:
Hours Of Service
HOS refers to the logbook hours of service regulations.
As most companies begin sending out their open enrollment information in the coming months we should get a thread going with the all benefit options employees have as well as when they kick in for the companies we drive for, particularly those that hire new drivers. Pictures of the pamphlet would be ideal. As Rick has discovered this information is very difficult to come by.
If someone feels uncomfortable having their name attached to it maybe submitting it to Brett or another trusted member to post it on your behalf is an option.
This would be incredibly helpful, both for prospectives like me and for others, I would imagine. Prime offers details on their website, but others have very little by way of specifics on any of their benefits. I appreciate Big Scott being willing to share his details about what he pays at CFI.
BMI:
Body mass index (BMI)
BMI is a formula that uses weight and height to estimate body fat. For most people, BMI provides a reasonable estimate of body fat. The BMI's biggest weakness is that it doesn't consider individual factors such as bone or muscle mass. BMI may:
- Underestimate body fat for older adults or other people with low muscle mass
- Overestimate body fat for people who are very muscular and physically fit
It's quite common, especially for men, to fall into the "overweight" category if you happen to be stronger than average. If you're pretty strong but in good shape then pay no attention.
HOS:
Hours Of Service
HOS refers to the logbook hours of service regulations.
That’s is a great idea. It almost seems like they try to keep you from finding out.
I will check into CFI as well
Thanks!
Rick
Keep in mind, I don't feel the pay. I still take home plenty. I am the sole income in my home.
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Pretty decent coverage with prescription coverage for me and my wife
Rick