Are you insured now? Usually if SM
Posted By: not sure but on 2008-04-02
In Reply to: what company offers the best health benefits? - MKJ
you have your certificates of insurance documentation for 2 years prior they waive any pre-existing.
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Insured MTSO
Just my 2 cents -- I have professional liability insurance -- I have several hospital accounts which require it - and that they be named insureds on this policy. I'm not incorportated or an LLC, so I am paying about $600 a year to have maximum coverage. This generally protects all my assets such as home, office equipment, etc should there ever be a lawsuit. I also have a paragraph right in my contract that says all completed documents will be considered drafts until read and signed by the doctor. Realistically they probably never read them, but at least it is a defense should anything ever go to court. A few years back one of my docs was arrested for Medicaid fraud and I was subpoened (sp?). The FBI showed up at my door with a search warrant for all medical records I might have archived for this doctor. My insurance company would have paid for legal advice or defense if needed (it wasn't). To me, the insurance was well worth the price.
Rates with my insurance company are about 300 a year for a single person with minimum coverage, which some of my MTs have purchased on their own. My company is the Chicago Insurance Company and I go through a local broker for the policy.
My children are insured by their father and I purchase my
insurance. For vacations, I work an extra day a week for a twice a month for a couple months going into the month of my vacation. As for holidays, I usually work them. I look at it as being blessed enough to have a job at home where I can be with my girls and so if my usual days off happen to fall on the holiday, I usually volunteer to work 1/2 day, usually in the evening of the holiday so I can have the day with my girls and I work after they are in bed. Hope this helps!
My child is insured by her father, but I do not have insurance
and as far as work availability. I have worked for about 4 different companies in the last year. Things start off well, plenty of work, and then all of a sudden the work dries up. Currently, I have 3 backup accounts, and yet still out of work. Tired of hearing about slow downs. When I worked directly for hospital, both while I was in-house and at home, we had slow downs. They lasted a day or two at specific times of the year. We could use our PTO to take time off. With these companies, there is no backup for no work...no work = no pay. I cannot depend on my income at all since losing my hospital job. I have not made anywhere close to what I used to make and Im just totally frustrated. The economy of the state I live in is such right now that jobs are few and far between and the unemployment rate is very high right now. Feel like I am running out of options.
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