You are covered with the default medical coverage day one. It is with United Health Care. It will run you about $240 a month with a spouse and kids. That covers medical, dental, and vision. The 401K is there for you, but you need to sign up for it ASAP. Delta will put 2% into the same account that you put your money into and they put 9% into the "pension" portion of your 401K. There is no "match" but I think you need to put at least 4% of your pay for them to put the 2% in, but I could be wrong. Delta will pay for your hotel during the 14 day indoc but then you are on your own during the initial trainging. If/when you come back for upgrade, plane change, then Delta will foot the bill. During training, Delta will positive space you (only on mainline flights) back and forth home if you have 48 hrs or more off between events. Not too bad. Some people complain about them not paying the hotel during initial training, but considering the difference in pay the first year, it aint that bad even if you foot the entire month in the hotel on your own ($1500). Most people just get a crash pad ($275) to save a bit more money. Good luck to you...