I'm an IC and have private Humana coverage
Posted By: sm on 2008-03-05
In Reply to: Insurance Questions: Can you tell me what you pay for insurance through your - Curious Georgette
It's $99.05/month for just me. This includes $35 copay for dr visits ($50 specialist visits), $1535/55 Rx, depending on what level the medication is, $75 copay for ER visit. It's a PPO. The only really bad thing is that there is a $2000 deductible, but that's only if I have to be in the hospital and hopefully that won't happen. I'm 29, have never had a lapse in insurance and have no health problems though. You can go to ehealthinsurance.com and compare rates for private insurance if you're interested.
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No, not Humana. It's First Health. Pretty good coverage.
x
I've had private individual policies and you pay a fortunate for bad coverage.
You either get stuck with an awful deductible or a policy which limits coverage. So, that is not always a good option. If you want a decent cheap premium, you get what you pay for.
IC also with Humana...
I am an IC with a private Humana policy as well. I pay $65 monthly for myself and 1 child. This is a high-deductible policy ($4,000) with an HSA, then 100% coverage after deductible. It includes 1 free annual exam each plus basic labs yearly. I also have some type of minimal prescription benefit, but I don't recall what it is at the moment. So far, it has been great for us. We also do not have any health problems (thanks God), so we are able to have a high-deductible plan. 
PRIVATE?
Not these days. Many MTs are also MTSOs, so I wouldn't count on PRIVACY wherever you intend to go with this. As both, I would be willing to share what I know with my colleagues if I felt it was to their benefit. Multiply me by many and there goes your site of shame. Good luck to you too! Hope you can CYA sufficiently to avoid problems for yourself. You should be nicer to these MTs. They help pay your salary. Maybe MTs should do away with recruiters? Too many middlemen drive up the price and the providers would benefit from the absence of all the middlemen in all areas that try to get a piece of the action in their practices. Maybe without you all it would benefit the greater good. Something to think about, eh?
Maybe our cut was to buy them a private jet
X
Private..not
I meant to take out the name in ALL of the places. It is not a private e-mail. Every employee got this e-mail.
I have every right to warn people against working for an employer who BREAKS THE LAW. I have PROOF to back me up on everything I have said this company does!
Wow! I pay that much for my own private plan.
d
private insurance
My husband is trying to change careers so I went looking for a new MT job instead of being an IC since his new career takes 6 months for the insurance to kick in. We are going to check all our options but I believe we will go private instead of spending nearly $1000 a month on it
You can get a private policy for less than that and probably
better insurance too. At that price I don't think they are absorbing any of the cost, so it really isn't a benefit.
I sent you a private email.nm
/
Get a private policy. You s/b able to get
a very good policy for half that. Call local agents in your area and get several quotes.
Have you tried getting a private insurer to
nm
You mean even on private computer?
z
Why not just get a private policy? Unless you have
pre-existing conditions you can get your own policy that may be cheaper than what you can get through work and then you aren't tied to a company for insurance only and you don't have to worry about a lap in insurance if you change jobs.
Private group? Where?
Sorry, I know I must have missed something..haven't been here in a while. Is there a private TT group and where? TIA
Where is the TT private board?
has been down for 3 weeks and just saw the thread about it way down on the board.
private board
i've only been there about a year, but there is not one that i am aware of. sure wish there was.
I am as well. You can e-mail me private
if you like.
Boy, I'd be happy to take over that private account if you want to get rid of it!
I'm sure that is not the one you'd want to get rid of though!!
Get private insurance. It is probably cheaper
and better than what company offers.
send me a private email
I don't discuss this company on the board and you will find few who do.
Does anyone know if JLG employees have private groups or something? (sm)
See almost nothing in the way of posts on any other board. Working there PT and would like to meet some other people from there.
Private equity firm in NY
Culbro LLC private equity firm in NY, is new partner for OSI.
I can get a private policy for a family
of 4 for about $400 and that is with very good coverage. We have no pre-existing conditions though and no chronic medications.
Ykes, I have a private policy and only pay $160/mo. nm
x
Is there an MDI private board? There used to be 1 long ago, but
I don't know if it still exists. Thanks.
Does TransTech have a private board? NM
NM
Marie/private counsel
I do have private counsel because I own a business. However, it is not at all necessary to use a lawyer for something like this. All she has to do is to to the IRS website, read the information about IC classification, and call the local office for an appointment. She should bring a copy of her contract (if any) with the company and just tell them what is happening. The IRS is pretty savvy and will likely take it from there. Many MTs feel powerless. There is really a lot we can do for ourselves. Many MTSOs will take advantage. (There are also many, many good ones as well.) My bottom line is that I myself would have my attorney or CPA make the call; but an attorney is not necessary for this. All it would take would be one report and the IRS would be on that MTSO like white on rice.
There is no private company board. nm
nm
Thank you all for private email and posts
Thank you all for the private email and the posts here. Better to be informed. I need to stay where I am for the time being. Not ready to make the leap to voice recognition editing yet and, of course, other factors and problems that exist with All Type that I do not have where I am currently.
Thanks again.
There was a MT that was venting in regards to Transend on their private board sm
(it is automatically set up so if you enter you know who is posting . . name displayed)and the other employees and management was nasty as h++ so believe me I wouldn't post any thing on the private board negative. I have already resigned. I have a week left.
Just wondering if anyone answered the private doctor ad.....
and had contact? TIA
So they trust you with private medical info
What a rip. And how many of their employees have actually made off with one of their precious computers that they have to stick you with a deposit? I think they're just trying to cover their training costs.
Yes, just like Scientology, but they do have private board forum.
aaa
You could get a private plan through BSBS for1/3 of that, unless
you have pre-existing conditions. I would go that route though if you don't and then you can change jobs all you want w/o worrying about insurance. We pay less than $400/mo for family coverage, including drug card, dental, and vision. Not the best coverage but we're never sick so it works for us.
Spheris has a private board where we can complain. SM
It won't help, but we can copmlain. Also, supervisors are quite helpful.
Seems communication at Transtech is lacking in some way.
This is why I'm glad I belong to a private forum
No guessing who you are talking about.
You can easily find private insurance for
a family for a reasonable price compared to what most transcription companies charge and then you aren't tied to a job because of insurance.
It's only censorship when the government does it, not private individuals..nm
xxxx
Replies - You can get private insurance for half
that amount. I don't understand why people think their company has to provide insurance. If you have pre-existing conditions opens may be limited and you may need company insurance, but otherwise you can get a private policy much cheaper, probably better coverage, and then you can leave any job you want because your aren't tied to it because of the insurance.
What info is in that email that is confidential or private?
I think you are right. If she truly wanted to thank Mary, a private email would be sm
more appropriate. As for enlightening us, what did she share other than they are nice and organized? Woohoo ... that won't butter my bread. Nothing about pay, which they are appaerntly is so pathetically low, they are too embarrassed to admit to on here.
No thanks. As the saying goes, I just got rid of my cow, so I don't need your bull. 
I think you are right. If she truly wanted to thank Mary, a private email would be sm
more appropriate. As for enlightening us, what did she share other than they are nice and organized? Woohoo ... that won't butter my bread. Nothing about pay, which appaerntly is so pathetically low, they are too embarrassed to admit to on here.
No thanks. As the saying goes, I just got rid of my cow, so I don't need your bull.
Fatcat...I sent you a private email earlier..sm
and am not sure you got it, but my basic question was that the jobs I am being offered are about 8 cents or 9 cents VBC as an IC or employee. After 30 years in MTing I hate to take such a paycut, but I don't want to be turning down jobs if that is the best I can hope for! In your experience in job searching was that about the rate you were encountering? You can email me privately if you like. Thank you!
i work for one national, 2 services, and have one private account...
I have four kids between ages 18 and 5. Right now I have bitten off more than I want to chew with all the accounts. One pays 10.5, one pays 9, and one pays 8.5 with incentive. My private account, believe this, pays 21 cents per line, but they only dictate about $500 per month worth. I need to get rid of one but don't know which one yet. The good thing, if there is one.......I never run out of work.
You won't make big bucks like that unless you own your own service or have only private clients.
s
Holy Smokes! That is high. That is what I was quoted for private ins.
a
If anyone is sending out private emails, I'd like info on this company also! TIA!
nm
I just think a lot of questions are asked on this board that should be private so to speak...
nm
Go on Spheris private board. Lots of tips
nm
TT had a private group on yahoo and they verified membership
by using the last 3 digits of their employee number.
Certainly giving your employee ID limits your ability to talk freely on the TT board, so it is not used much; however, since many of you are probably transitioning out of MDI, it wouldn't prohibit open conversation too much.
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