Mega Carrier- Best Insurance And Benefits?

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Rick L.'s Comment
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I am thinking about getting into trucking. Hoping someone might know which company has best insurance and prescription benefits? I will probly go mega carrier route to get started. Prime’s is on their website but it is VERY expensive the first year.

Any help would be appreciated


PackRat's Comment
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That's impossible to answer due to all the variables any individual person is looking for. Great for one may be adverse for the next guy.

Rick L.'s Comment
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I believe primes premium for family was $400-500 a month.

Anne A. (Momma Anne) & To's Comment
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I believe primes premium for family was $400-500 a month.

Howdy, Rick!

Did you apply, via our site?

Could Prime, hard to say.

Wilson Logistics 'has been said' to be less costly, and they DO haul for times.

Wilson Logistics Information

Have you seen this? Apply For Paid CDL Training I know, I'd sent it to you before; just wondering if you'd heard from others, in the group.

Wish you the best, and yes...I recall your situation.

Try Wilson...~

~ Anne ~


Commercial Driver's License (CDL)

A CDL is required to drive any of the following vehicles:

  • Any combination of vehicles with a gross combined weight rating (GCWR) of 26,001 or more pounds, providing the gross vehicle weight rating (GVWR) of the vehicle being towed is in excess of 10,000 pounds.
  • Any single vehicle with a GVWR of 26,001 or more pounds, or any such vehicle towing another not in excess of 10,000 pounds.
  • Any vehicle, regardless of size, designed to transport 16 or more persons, including the driver.
  • Any vehicle required by federal regulations to be placarded while transporting hazardous materials.


Darrel Wilson bought his first tractor in 1980 at age 20, but, being too young to meet OTR age requirements, he leased the truck out and hired a driver.

Through growth and acquisition, Wil-Trans now employs over 200 drivers, and has a long-standing partnership with Prime, Inc. to haul their refrigerated freight. The family of businesses also includes Jim Palmer Trucking and O & S Trucking.

Pacific Pearl's Comment
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First, a history lesson. There used to be a lot more variety in insurance plans - some were better than others but most were affordable. Then, the government decided that wasn't, "fair" and busted in like the Kool-aid man. Good plans - with low premiums and deductibles were declared, "Cadillac plans" and taxed to extinction. The plans that were left required thousands more in premiums and huge deductibles to cover all the folks that got, "free" insurance from the scheme. I personally went from a plan that cost me ~$40/mo with a $100 annual deductible to one that costs ~$60/wk with a $4,500 annual deductible!

One exemption was made from this scheme - union health plans. ABF insurance (health, dental, and vision) is all provided at no cost for you, your spouse or your children. This is not cheap insurance. It is Blue Cross for health. YRC offers insurance at no cost for the driver. Details vary by terminal (and their union contract), but co-pays, office visits and prescriptions are generally under $20 on these plans. I'm not aware of any union OTR company that trains new drivers but ABF and YRC (LTL companies) do and your insurance is included with your union dues.


A facility where trucking companies operate out of, or their "home base" if you will. A lot of major companies have multiple terminals around the country which usually consist of the main office building, a drop lot for trailers, and sometimes a repair shop and wash facilities.


Less Than Truckload

Refers to carriers that make a lot of smaller pickups and deliveries for multiple customers as opposed to hauling one big load of freight for one customer. This type of hauling is normally done by companies with terminals scattered throughout the country where freight is sorted before being moved on to its destination.

LTL carriers include:

  • FedEx Freight
  • Con-way
  • YRC Freight
  • UPS
  • Old Dominion
  • Estes
  • Yellow-Roadway
  • ABF Freight
  • R+L Carrier


Over The Road

OTR driving normally means you'll be hauling freight to various customers throughout your company's hauling region. It often entails being gone from home for two to three weeks at a time.

Rick L.'s Comment
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Thanks for the replies guys. I am not quite ready to apply for anything yet. Trying to do some research first.


Parochial N.'s Comment
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One exemption was made from this scheme - union health plans. ABF insurance (health, dental, and vision) is all provided at no cost for you, your spouse or your children.

Unfortunately not all union jobs have free health insurance. The last union I was in it started out as free then all that changed over ten years ago and every few years the price has shot up and the benefits eroded. The dental and vision plans were basically worthless for anything other than a check up.

So I would never choose a carrier based on the fact that they have free health insurance because unions have very little bargaining power and in this day and age so they are constantly having to give up benefits.


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.

Big Scott (CFI's biggest 's Comment
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At CFI you get more and better options in your second year. How much it costs depends on what you select. We have medical, dental, vision, life, disability, supplemental, pet and some others. Each option has a cost. Then if you get an HSA, you decide how much to put in it weekly. Costs can change from year to year.

Rick L.'s Comment
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Thx guys. I was on the phone with Schneider for 1 1/2 hour yest. They wouldn’t tell me unless I applied. I got the pricing but it isnt great. I think the cheapest for husband and wife with better coverage non smokers is about $400 a month. I am kind of surprised that none of the companies seem to have better insurance. Primes isnt terrible but not great.

I will keep doing some checking when I have time


Big Scott (CFI's biggest 's Comment
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What do you need?

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