Inverters/APU's and Benefits

I know the first two have been answered repeatedly. And a quick question at your recruiter would have given you the answer.

 

I'm not sure if it is still the case, but there are two levels of health insurance. Higher premium with lower co-pays and slightly better coverage. Or lower premium with higher co-pay.

After first year, Prime pays a higher percentage of the premium.

 

It's true, but I'm not going to type up several pages of information, when the recruiter/HR person can give him the Reader's Digest version, and he will have the info in his hands about 24 hours into orientation.

Now, on the continuous coverage for the boy. You MUST pay for Cobra if you have no other options, to keep him insured. I know it's a PITA and expensive, but your benefits from Prime will not kick in until you have been employed for 90 days.

Since you are coming in as a PSD, you NEED to get HR on the phone and find out for sure.

 

Also, when you sign up for insurance, pin HR down to the actual date that your insurance will kick in. That will help you plan out how long you need to keep coming up with that crazy ### amount for Cobra.

 

Anthem Blue Cross/Blue Shield if the BCBS insurance for Prime.

I worked for health insurance as a member services agent for a BCBS company as well as Humana in the past. Let me give some advice.

The Prime BCBS plan is a basic 80/20 plan with a very weekly premium for both lease operators and company drivers. Its completely ridiculous how expensive it is. Co-pays for the doctors both specialist and PCP (Primary Care Physician) is approximately 50 dollars per visit (which is crazy).

My advice is to research for your own plan through the various companies out there. Also...make sure you go for a PPO (Preferred Provider Organization) plan instead of a HMO (Health Maintenance Organization). It will be more expensive, but you have In-Network and Out-of-Network benefits and you are free to choose your own doctors with a PPO.

Check your home state's BCBS organization for Individual/Family plans. Also, you can check Anthem which is the largest one of the BCBS. Also you can go to Humana and check out their HumanaOne plans.

Now, let me comment on something else. Their vision and dental options are actually not that bad considering. Very cheap with good benefits. After becoming a Prime employee and you do that 90 day wait. You can pick up the dental or drop it at anytime. They can even make it available that day if you call HR and tell them you need to see a dentist and you're on the road. Now, certain things have a waiting period and there is a 1,000 maximum for the year. Other than that - it's not bad.

Vision is a minimal copay (I think around 20 dollars) with a 150 dollar allowance for frames (20% discount for the amount for that) and they pay for the price of the lenses. If you wear contacts, you may use the 150 dollar allowance for contacts - and you also receive a discount on contacts.