|
|
05-04-2007, 10:07 PM
|
Board Regular
Thread Starter
Join Date: Jan 2007
Location: Coshocton, OH
Posts: 356
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
|
Health Insurance
Well Im only 21 so I never bought health insurance for myself and it looks like health insurance for me and me son at U.S. Xpress will be $35 a week. So can any of you veterans tell me wether you think this is expensive (my dad says it is)and give me so insight into most of the trucking companies insurance plans like avg cost and whether or I should buy the health insurance on my own???? Sorry but Im young and don't know much about health insurance.
__________________
Schneider National driver on Wal-Mart dedicated account in Wintersville,OH
|
05-04-2007, 10:27 PM
|
Board Regular
Join Date: Mar 2007
Location: Elberton, Ga
Posts: 493
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
|
That's cheap compared to others. My last COmpany was 53.00 and when I did use it, it did not pay.
__________________
Give me the Sea or the Open Road
|
05-04-2007, 10:36 PM
|
Senior Board Member
Join Date: Jan 2005
Location: East Central IL between the corn and the beans
Posts: 4,977
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
|
That is very reasonable.
__________________
Finding the right trucking company is like finding the right person to marry. I really comes down to finding one whose BS you can put up with and who can put up wih yours.
|
05-04-2007, 10:53 PM
|
Senior Board Member
Join Date: Mar 2007
Location: GONE WEST! Pincher Creek, Alberta, CANADA
Posts: 1,024
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
|
Re: Health Insurance
Quote:
Originally Posted by YoungZ.W.
Well Im only 21 so I never bought health insurance for myself and it looks like health insurance for me and me son at U.S. Xpress will be $35 a week. So can any of you veterans tell me wether you think this is expensive (my dad says it is)and give me so insight into most of the trucking companies insurance plans like avg cost and whether or I should buy the health insurance on my own???? Sorry but Im young and don't know much about health insurance.
|
Just be sure to determine & clarify excatly what is covered by it. Especially with a child and if there is a ceiling on costs for each member of the benefit unit.
- Dental (including braces)
- Hospital stay & all procedures & apparatus (including casts & crutches)
- Vision (tests & eyewear)
- Extended (including hearing aids/wheelchairs/leg/knee braces, etc)
__________________
GONE WEST - Drive Safely
|
05-04-2007, 10:57 PM
|
Senior Board Member
Join Date: Apr 2005
Location: North Georgia
Posts: 3,756
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
|
Re: Health Insurance
Quote:
Originally Posted by YoungZ.W.
Well Im only 21 so I never bought health insurance for myself and it looks like health insurance for me and me son at U.S. Xpress will be $35 a week. So can any of you veterans tell me wether you think this is expensive (my dad says it is)and give me so insight into most of the trucking companies insurance plans like avg cost and whether or I should buy the health insurance on my own???? Sorry but Im young and don't know much about health insurance.
|
that is dirt cheap insurance is going out of site. example, in July of last year, my coverage for family was 65.00 a week, July of this year it went up to 178.00 a week
|
05-05-2007, 12:12 AM
|
Guest
Board Icon
Join Date: Apr 2006
Location: The other side of the coin
Posts: 9,368
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
|
My insurance for my entire family is $491 per month, dental included. What it all comes down to is the coverage and the deductible. If you can't afford the deductible, then all the insurance in the world is useless. If the insurance doesn't cover anything, then it is equally useless.
|
05-05-2007, 01:54 AM
|
Senior Board Member
Join Date: Mar 2006
Location: East Coast
Posts: 855
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
|
Re: Health Insurance
Quote:
Originally Posted by YoungZ.W.
whether or I should buy the health insurance on my own????
|
Buying insurance on your own will cost you up the @$$.
My insurance is through COBRA right now, since I got laid off. My old payroll deduction for me by myself was about $40 a week. Now that I'm paying the full premiums under COBRA, it's going to cost me $400 for May, or $100 a week to buy that company insurance on my own. OUCH.
Shopping for individual policies, I can probably get that down to $50 a week if I accept a high deductible, and a 30% copay.
Health insurance is a big reason not to drive for an O/O. This situation sucks. I'm trying to get on my wife's insurance, now that I no longer have insurance through my employer.
|
05-05-2007, 02:22 AM
|
Senior Board Member
Join Date: Sep 2004
Posts: 880
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
|
Re: Health Insurance
Quote:
Originally Posted by YoungZ.W.
Well Im only 21 so I never bought health insurance for myself and it looks like health insurance for me and me son at U.S. Xpress will be $35 a week. So can any of you veterans tell me wether you think this is expensive (my dad says it is)and give me so insight into most of the trucking companies insurance plans like avg cost and whether or I should buy the health insurance on my own???? Sorry but Im young and don't know much about health insurance.
|
The above plan is reasonable. Go for it.
But do yourself a favor and price health insurance through Blue Cross/Blue Shield for the two of you. It may not be as expensive as you have been led to believe. I bought my own insurance for years....it wasn't all that bad until we turned 60.
PS....I make a pickup in Coshocton several times a year at Stone/Smurfit. Nice area.
__________________
Brang it On!
|
05-05-2007, 03:47 AM
|
Board Regular
Join Date: Dec 2006
Location: Lynden, WA
Posts: 446
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
|
Quote:
Originally Posted by Rev.Vassago
My insurance for my entire family is $491 per month, dental included. What it all comes down to is the coverage and the deductible. If you can't afford the deductible, then all the insurance in the world is useless. If the insurance doesn't cover anything, then it is equally useless.
|
Why is it useless? :? unless it's a $50,000 deductable, what ever the deductable is, it sure beats $100,000 hospital bill.
__________________
It's fun living in the gray areas of a black and white world!
|
05-05-2007, 04:00 AM
|
Guest
Board Icon
Join Date: Apr 2006
Location: The other side of the coin
Posts: 9,368
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
|
Quote:
Originally Posted by jnk2001
Quote:
Originally Posted by Rev.Vassago
My insurance for my entire family is $491 per month, dental included. What it all comes down to is the coverage and the deductible. If you can't afford the deductible, then all the insurance in the world is useless. If the insurance doesn't cover anything, then it is equally useless.
|
Why is it useless? :? unless it's a $50,000 deductable, what ever the deductable is, it sure beats $100,000 hospital bill.
|
Not if you cannot afford it.
|
|
|
|
|