Anyone pay less than $800 a month for family insurance?? I work for a small MTSO

• Anyone pay less than $800 a month for family insurance?? I work for a small MTSO - Working for insurance
  • I pay less than $200 a month - for 2 people
  • Yikes, does the company contribute toward your premium? sm - as
    • Yeah, you'd think they would be contributing wouldnt you. They are not huge but big enough I woul - Working for insurance
      • Read that post below on hospitals? They're definitely good for great bennies! nm - as
        • This is exactly why I am looking for - a hospital job.
  • Less than $360 for family at MQ. Med/Den/Vision - nm
    • Do you still have to use MQ's computer. I know in the past you did and that is why I declined the - Working for insurance
      • No. Currently, you can use your own. That may change - but who knows!
  • 860 yr at the med size - company I work for. nm
    • Did you mean $860 a month?? Wow.. if that is the case.. - Working for insurance

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I will share this about the MTSO I work for.  I called her late last Wednesday night after Church and told her I was compelled to help out with Hurricaine Katrina in some way and an opportunity arose for a small group from my Church to go to Louisianna this coming week.  Would she be able to cover my work.  She told me no problem without any hesitation and even donated money for the trip. 

And I am sure there are plenty of good companies out there to work for.  To compare us to migrant workers is just not right.

I am a small MTSO and I have two part timers that work for me.  I try to allow them to make a good living but there are costs of running a business.  I do the pick up and deliveries, I print, I buy the paper, toners, etc.  I do the invoicing.  I do the customer service.  I do the QA, etc.   So when I make 2 to 3 cents a line, that is sometimes barely $5 to $7 an hour after gas, paper, etc.   I keep my line charge reasonable -- 0.11 to 0.12 and that allows me to pay 0.8 cents per line.   But if my gals use their brains to use word expanders, templates, etc. they can make $16 to $24 an hour (200 to 300 lines per hour) which to me is fair.    I pay them on time often first and sometimes wait for the check to come in.    But you guys we do not make a lot when subcontracting out.   But if a document is 400 lines I make $8 to $12 for the report and that is before all my expenses.  So we are not jiving any of you.

No suggestions here except to keep up the great work and appreciation for your team.

I agree, don't waste your time on the ignorant's on this board that think everyone is out to screw the MT...it's a sad fact, but there are some who just have such blackened lenses to see through.  It sounds like you really appreciate your team and there are more employers out there like you, really there are.

Transtech, SOAP, Futurenet, and Transolutions?

Do they include dental and/or vision with that?

Needing to make a choice and health insurance is the most important thing right now with 2 small children.

Thanks!

I think the reason for late/bounced checks is exactly due to a lot of small MTSOs not keeping business and personal money separate and they do not have a reserve to fall back on in case something happens.

I had one that did not keep her personal finances separate from business and some government agency (she was having legal problems) went in and wiped out her bank account...she still owes me big bucks and that was several years ago. Unfortunately, I kept working (2 months with no pay, stupid) believing things would get better and believed the excuses and lies before I found out what was going on and quit, but could not collect because she had no money left and then she just dropped out of sight (rumor has it she changed her name and moved to a different state).

Another one had the same situation as far as not separating business from personal money and bounced payroll checks (I quit when the first check bounced, lesson learned from the first time). I finally got my money from that one after months of waiting. Needless to say, I will no longer work as IC for small MTSOs. They will lie to you when you ask if they have a separate business account and a line of credit or reserve to ensure payroll is on time even if client does not pay on time or they themselves get into financial trouble.

BEWARE THE CONTRACT THAT SAYS YOU GET PAID WHEN I GET PAID because it means just that and you will have no legal recourse of getting your hard-earned money, definite red flag. 

3 owners, and I trained the last 2.  The MTSO is a man.  He is extremely disorganized, just wants the job done, not interested in providing samples, doctor's lists, etc.   Frequently doesn't answer e-mails, not recognition for MT week.  I lost 3 close family members within a short time, never got a card, a plant, or I'm sorry.  When I worked there I did acute care and I didn't need samples, lists, because I had been there for so long I had the info or knew where to get it, but when this MTSO came on the scene things changed.   He lost the account to MQ, who has since lost it to CyMed, and he got a bunch of clinic accounts.  I left because I didn't want to do clinics, but I would occasionally do overflow for him.  He was always calling me because I wasn't doing something right, but he never gave me samples or answered my questions, so I did the best I could under those circumstances.  Pay is 7 cpl per gross line, which is 1 cpl more than I started out making 10+ years ago.  Never hear from him unless there is a problem or he needs a favor.  Checks are mailed and even though he is about 12 miles away it can take 3 to 4 days to get my check. 

I currently work for a small national (about 50 MTs).  Pay is better, MT week is recognized, my BD is recognized, Christmas is recognized.  Not that I expect these things but it is nice to feel appreciated.  I get an e-mail or phone call every few months thanking me for all my hard work and going above and beyond when they get in a bind, etc.   Pretty much left alone to work otherwise, but provided with any information needed to do my job.   I have direct deposit.

I briefly worked for YOG for a few months prior to their selling to MQ and it was the most disorganized company.  I didn't know who did what, couldn't get samples, had to frequently call for work because even though I was cleared by QA and should have been getting pooled work I wasn't.  Deducts if too many blanks.   I still had them calling me to work extra 6 months after I left.

A lot of companies do not have PTO so I am glad that I have it, although I had to wait a year for it.  When I worked in another field, I had to wait a year, so I do not think it is that unusual.  I wish we had dental but I am glad that we have 401k, health and life.  Like with any company ... get it in writing and then you will not have two different stories. 

first of all I incorporated, which you really ought to consider. The corporate shield would not only protect you any kind of transcription liability (which is in reality nonexistent) but also against IC's and employees coming after you for discrimination etc which is a far more likely occurrence than any professional liability. As far as hospital accounts requiring it - it's in their basic contract - just line it out and explain there is no liability to the MT. Incorporating would give you far more protection than $600 of liability insurance. Not only that, but I would say the price of $600 is way too expensive-- that is more than nurses are charged and they carry far more liability.

Incorporation also carries some very nice benefits in terms of paying yourself a salary and not paying SS on all the earnings that your company produces (SS should be paid on what YOU earn, not on what your corporation earns). That saves me approximately $5000 a year right there. If your service is earning more than $50K a year, I would highly recommend you invest that $600 in a consultation with an attorney and get yourself a CPA. Keep that tax money in your own pocket.

As far as the little incident with the Medicaid fraud- this is why MT's now only hold records for 30 days (long enough to do billing) and then dump 'em. Nowadays it is the doc's responsibility to archive his own stuff. With everything in data files instead of paper copies, simplest thing in the world for them to do their own archives and back ups. Think of how easy that would be when the FBI shows up at your door. Yes, sir, I have everything from April 2006. Do you want it?

Again, I would have to say liability insurance is completely unnecessary for MTSO and for IC's or employees.

extra if I want it.  I make 10 cpl as an employee, get vacation, 401K matching, PTO, wonderful QA, lots of ESL dictators but mostly decent ones, direct deposit, no IM, no nasty e-mails, no phone calls asking me to work extra day after day.   Saying that MTs are surprised at how much money they make because they have steady work even though the line rate is low sounds like a line a used car salesman would use.  A low line rate is a low line and an insult, especially since without the MTs you wouldn't be able to pay your bills.

Just because everyone else sees to be going to India is like the saying you parents would say if everyone else jumped off the bridge ....  Many companies sell out, but you don't HAVE to sell out.  You choose to get more bang from your buck but I've seen the work that comes back from overseas and I would never put my name to it.

You might can fool some of the people some of the time, but it won't fly with me. 

The woman that owns the company is crazy.  She treats physical therapy like it's acute care.  They are office visit notes and she acts like they are Op notes and the doctor is breathing down her back waiting for them to be typed.  The physical therapist could care less ------- it's an exercise class lady - get over it.  At 6 cpl she wants a miracle.