Need Health Insurance Advice..

Topic 15823 | Page 1

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Sambo's Comment
member avatar

Anyone have suggestions for health insurance coverage? Just found out that company health insurance is going to cost about $410 per month for single coverage, once I do a wellness assessment and tobacco cessation, it will drop to about $280 per month. Thus includes dental, vision, long and short term disability, accident care, critical care, and about $50,000 in life insurance.

Those numbers seem really high for single coverage. My last job, I was paying about $170 per month for everything, health, dental, vision, life insurance, and had long and short term disability included. This plan also had about $300,000 in life insurance.

That just seems awfully high to me. I'm thinking it may actually be cheaper to search for my own coverage. Seems like most of the money you make driving the truck will be soaked up in insurance premiums.....

Any thoughts?

HOS:

Hours Of Service

HOS refers to the logbook hours of service regulations.
Sambo's Comment
member avatar

There has to be a mistake there, a starting driver nets what, 600 or 700 per week? At 68 dollars, that would be nearly 10% of your pay....for health insurance?

Errol V.'s Comment
member avatar

My thoughts: the monthly premium you mention is right in line. You may notice what health insurance thinks about smoking and other unhealthy situations.

It looks like your company may not be subsidizing your premium, which is where you see "$97" for single coverage. The additional stuff, vision dental, etc., is pocket change compared to medical coverage.

Sambo's Comment
member avatar

Yeah, I guess if you are not a picture of health, they charge you enough in premiums to cover what they'll have to pay out if you get sick. It's almost like self insuring lol

Robert B. (The Dragon) ye's Comment
member avatar

You could also check into the ACA or outside insurance providers. You can get a pretty good policy if you go with a higher deductible which you can offset by putting money aside in a health savings account.

I'm not sure about the ACA, I personally decided against it once I found that the cheapest family plan was going to run me 22k per year just for the premiums and deductible. $689 per month with a 13k deductible before the insurance kicked in at 80/20. What a bargain right?

Tractor Man's Comment
member avatar

Sambo, My Bennies with Swift just took effect this month. They offer several options to their Drivers. In order to get covered, I chose the Bronze PPO plan thru United Health Care. $30.00 per week. Short Term Disability $13.00 per week. Long Term $7.00 per week. I opted out of vision and Dental for the time being. I will have plenty of time until Open Enrollment at the end of the year to spend more time reviewing the other plans in further detail. BTW, I am a 56 year old male smoker.

HOS:

Hours Of Service

HOS refers to the logbook hours of service regulations.
Tim F.'s Comment
member avatar

Geez...that seems high. I pay Roehl 21 bucks a week plus at he wellness surcharge of a couple bucks. With vision, dental, life insur., and short term dis. Its about 43. Per week.

C T.'s Comment
member avatar

Don't feel bad. I'm paying about 500 a month for all my stuff. I decided not to pass up on any options due to the nature of flatbed. I'm still doing OK but would be way better off not paying it lol

Tractor Man's Comment
member avatar

Sambo, What Company are you with? If it is Swift, they offer lots of plans thru lots of Companies. Sit down with a Computer, I tried to go thru the options on my phone, IMPOSSIBLE! The Bronze plan I chose thru United HC was half of the same coverage from another Company. All of this Healthcare Obamacare ACA crap, in my opinion is designed to confuse the S#!^ out of people. We are just supposed to throw up our hands and say"Just let Uncle Sugar Daddy Sam take care of this for me". Research your options, weed thru the BS and you will likely find that your Company offers much more affordable options

smile.gif

HOS:

Hours Of Service

HOS refers to the logbook hours of service regulations.
Sambo's Comment
member avatar

I'm with knight, and there were no options. He basically told me this was the plan is was enrolling in. I had no option to choose a higher or lower plan. The only options I had were whether or not I wanted dental, vision, accident care, critical care, long and short term disability and life insurance, as well as fsa.

I don't want to go with aca, I'll likely try to find a more affordable plan on my own, may not be possible, but if this is supposed to be affordable group coverage, it's crazy

OOS:

When a violation by either a driver or company is confirmed, an out-of-service order removes either the driver or the vehicle from the roadway until the violation is corrected.

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