Prime Insurance Benefits Are They Expensive?

Topic 9093 | Page 1

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New Beginning's Comment
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Going to Prime orientation in July, any info on the benefits would be helpful. Just the wife and I.

guyjax(Guy Hodges)'s Comment
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Most all large companies have good insurance. For a single person with the highest level of coverage will pay in the neighborhood of $55 to $60 a week. Not sure of top coverage for your family.

guyjax(Guy Hodges)'s Comment
member avatar

Below is what I pay a week for my weekly deductions with Werner. Prime's insurance will be pretty close. I have PPO Pro with Blue Cross Blue Shield which is top notch health coverage.

DRIVER'S LEGAL $2.98

GROUP TERM LIFE $4.75

CANCER INSURANC $5.66

ACCIDENT INSURA $8.05

SHORT TERM DISA $9.45

WEEKLY HEALTH I $32.69

401K SAVINGS Pl $39.05

Total: $102.63

New Beginning's Comment
member avatar

Thanks guyjax. I really appreciate your straight forward response to post. You have been very helpful. I really enjoy reading your replies to the questions us newbies have and I look for your input in the various threads I look at. Stay safe out there and who knows, maybe I'll see you at a truck stop along the way.

eagle1976's Comment
member avatar

Most all large companies have good insurance. For a single person with the highest level of coverage will pay in the neighborhood of $55 to $60 a week. Not sure of top coverage for your family.

Primes will be higher. They say they do it because of the high number of people who leave in the first year. I forget the exact numbers but it will cost you twice as much your first year and then reduce.

TWIC:

Transportation Worker Identification Credential

Truck drivers who regularly pick up from or deliver to the shipping ports will often be required to carry a TWIC card.

Your TWIC is a tamper-resistant biometric card which acts as both your identification in secure areas, as well as an indicator of you having passed the necessary security clearance. TWIC cards are valid for five years. The issuance of TWIC cards is overseen by the Transportation Security Administration and the Department of Homeland Security.

Josh S.'s Comment
member avatar

I pay 175 a week for family health with blue cross blue shield at prime. After a year that drops to 65 bucks or so. Also 14 and 6 a week for vision and dental. Just have to deal with it for the first year.

New Beginning's Comment
member avatar

I pay 175 a week for family health with blue cross blue shield at prime. After a year that drops to 65 bucks or so. Also 14 and 6 a week for vision and dental. Just have to deal with it for the first year.

That really is costly. Did they say why it cost so much? I have insurance at my current job and I only pay $56 a week for spouse and I. Not a big company either.

Ernie S. (AKA Old Salty D's Comment
member avatar

Primes will be higher. They say they do it because of the high number of people who leave in the first year. I forget the exact numbers but it will cost you twice as much your first year and then reduce.

Vernon,

The answer to your question as to why so high is right here. Not that I agree with the reason, but that is the answer you are looking for from someone that is currently there and has been informed as to the reason.

Ernie

TWIC:

Transportation Worker Identification Credential

Truck drivers who regularly pick up from or deliver to the shipping ports will often be required to carry a TWIC card.

Your TWIC is a tamper-resistant biometric card which acts as both your identification in secure areas, as well as an indicator of you having passed the necessary security clearance. TWIC cards are valid for five years. The issuance of TWIC cards is overseen by the Transportation Security Administration and the Department of Homeland Security.

New Beginning's Comment
member avatar
double-quotes-start.png

Primes will be higher. They say they do it because of the high number of people who leave in the first year. I forget the exact numbers but it will cost you twice as much your first year and then reduce.

double-quotes-end.png

Vernon,

The answer to your question as to why so high is right here. Not that I agree with the reason, but that is the answer you are looking for from someone that is currently there and has been informed as to the reason.

Ernie

No disrespect Ernie, but should all newbies be expected to pay that amount at any company they begin with? I have never heard of insurance costing so much on a weekly basis, but then again I am new to the trucking industry. I actually received Primes insurance booklet in my email from a Prime recruiter so I know what the cost is now. Just curious if this is standard for first year drivers no matter what company you are with? At $175 a week, your talking about $9000 a year for insurance.

TWIC:

Transportation Worker Identification Credential

Truck drivers who regularly pick up from or deliver to the shipping ports will often be required to carry a TWIC card.

Your TWIC is a tamper-resistant biometric card which acts as both your identification in secure areas, as well as an indicator of you having passed the necessary security clearance. TWIC cards are valid for five years. The issuance of TWIC cards is overseen by the Transportation Security Administration and the Department of Homeland Security.

Greenhorn Trucker's Comment
member avatar
Just curious if this is standard for first year drivers no matter what company you are with? At $175 a week, your talking about $9000 a year for insurance.

If you get training there they are paying for bus ticket, hotel, food, and training so if you do not stay with them and you are paying low insurance costs it would end up being a lose for them if half the people quit or drop for whatever reason. $9000 for the first year but I am sure the cost goes down after that point, and if you figure you will be doing 2500 to 3000 miles a week (depending on how you run) you should have made enough to pay for a years insurance in 3 weeks give or take. So out of 52 weeks a year you are only coming up short 3 weeks, roughly, so by percentages you missing out on only 6% of total pay. To put it in perspective state and federal taxes are, again roughly, 22% of your income and you only get a small fraction of that back at the end of the year, while on the other hand if you get hurt or sick you get to use your insurance even if you have only paid one week. You could try to go through a private insurer also but most of those plans are about the same cost per week, and they do not usually go down in price after a year. Also with Unaffordable Health Care Tax if you choose not to have any health care you have to pay into the irs a set amount or 10% of your gross income in a tax (they call it a penalty), and you will most likely have to pay the 10% which is a lot when you consider that is an upfront cost rather than broken up over weeks. Food for thought though just letting you know the bigger picture of how it works out, as I see it anyways.

HOS:

Hours Of Service

HOS refers to the logbook hours of service regulations.

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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