I believe insurance kicks in on day one from what my recruiter told me and everything I've read here. I've read people say they sign up on the 2nd day of work but that may have just been when they did it, not when they were first able to.
The only 90 day wait is for the $500 discount off a Mac I think.
This is what im curious about. How much off if I wanted to buy an unlocked iPhone 5 and a Macbook Pro 15". Also wonder whats in the gift box and do we get Apple shirts. I am about to have my paperwork call. I am so excited.