I am sure a lot of insurance companies are trying to do that...
Posted By: MtMommyof2 on 2008-11-25
In Reply to: Guardian is not that great...sm - kestrokesmt
nm
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Thanks--that's very helpful. Just the insurance companies
.
Do companies really contribute to insurance?
I am not sure if it is where I live or what, but I just discussed employee status with my company, and they wanted over $450 a month for health insurance for a very high deductible plan (5000 family) with a copay (20%). I specifically asked if the company paid part of that, and she said yes, 50%.
I went online to e-insurance and priced out a comparable policy, and it was around $200 a month for a family high-deductable policy with an HSA option. How can it be that a group policy costs over 3 times what an individual policy costs? Or do the companies fudge a little bit when they say 50%? I find it really hard to believe that my company will not give me any kind of raise but will automatically pay $5400 a year towards my insurance without batting an eye. (BTW, the other option was $850 a month which would put them paying over $10000 a year for insurance).
What am I missing here? 
You have a choice of 2 insurance companies, sm
and various plans. I have the choice plan with Coventry, single coverage, and for medical, vision, and dental, it runs about $65 a pay period.
Insurance companies pay out 10s of thousands
that are not guaranteed. They tell you every surgery has no guarantee its going to work and we type that phrase daily. I believe IVF should be covered under every policy as a necessity for maternal and parental well being.
companies with reasonable insurance
... but not enough to have my premiums double from one payday to the next. Surely there are companies still with reasonable insurance. I get it that everything is going up everywhere but please if you have information on companies wtih still reasonable rates I need to know. 
Call insurance companies in your local
yellow pages that advertise health insurance. Call several to get comparisons.
Check einsurance.com.
How much if family health insurance at these companies?
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!
Do any companies offer insurance that covers IVF? sm
Does anyone happen to know if any companies offer insurance that covers IVF? I have been in this business for nearly a decade and have been doing QA for the last 4, but I would take a job right now with just about anyone as long as they offered insurance that covered IVF. It is so expensive out of pocket, and I really need the coverage. I have even been considering taking a job out of the transcription industry to get this coverage. So, I guess if anyone knows anywhere at all I can get this coverage.. please help!!! I am unfortunately in a state where this coverage is not mandated... so it is very hard to come by... :(
I am not sure if this was the right board... but I thought it was worth a shot... :P
With so many IC jobs/companies, would think MTs are buying insurance outside
v
Any companies hiring with BCBS as the insurance?
If there are, do they pay well? By well I mean 9-10 cpl.
Also, Medware switches insurance companies OFTEN, which can be inconvenient. sm
I have had to switch primary providers more than once because of this, and had to switch dentists twice before I finally just dropped the dental plan. I think we have had 4 different health insurance companies in 8 years.
Companies that provide afforable health insurance?
I was wondering if anyone can tell me what companies provide affordable health insurance. I need to provide insurance for my family with good coverage and affordable premiums. I can't wait 90 days or more before benefits start. I need to work at a company that provides benefits pretty quickly. I know...seems impossible these days. Thanks for any help you can provide!
Any companies letting part-timers buy in on the health insurance? sm
Just wondering if there are any transcription companies where you can work 20 or 25 hours a week and get in on the health insurance plan even if you have to pay the whole premium yourself? Thanks
Any companies offer health insurance for part time?
Are there any companies out there that offer benefits to PT employees, such as health insurance?
I know it's a rarity but I know hospitals do.
Companies w/Escription accounts that offer affordable family insurance??
I realize that affordable is subjective so whatever information anyone can give woudl be appreciated. The majority of Escription accounts offer IC only. Thanks
Any companies offer part-timers chance to buy into group insurance? need coverage ....
I've been looking at prices for solo medical insurance and while I can probably afford some coverage, I'm feeling rather paranoid about having insurance canceled if I actually get sick -- I'm fairly ignorant about what protections may have been passed and may just be responding to other people's horror stories.
Anyway, I'm not entirely sure I want to work full time for any of the nationals ... they seem to have gotten awfully rigid wrt daily line counts within certain fixed hours ... some days I'm simply creaky and hate feeling pressured ... so part time to start seems more reasonable than jumping in with both feet. Any infor or recommendations appreciated ...
Thanks!
Any companies have Blue Cross/Blue Shield insurance? sm
I am an IC looking for a new job as an employee- need healthcare bad! Due to a pre-existing condition, Blue Cross has been the only company that will insure me so looking to get them again. Anyone know of companies that have this?
401k funds are protected by govt insurance similar to the insurance
that banks have (FDIC). It is safe even if the company goes under.
The insurance cost is double for Transcend but insurance probably doesn't factor in for her.
I have heard more good things about Axolotl than Transcend, although it seems Axolotl may be less flexible with your schedule and someone told me that QA was pretty strict, which should not matter either if you have worked for a hospital and know what your QA score is.
The insurance plan in my opinion is excellent insurance. I am not sure if it will change when it'
time to renew or not. I really hope not but I know that a lot of companies change every year in an effort to keep costs down because most insurance companies start raising rates after you have been with them a year. The insurance is Great West and they also have excellent dental and vision plans. I believe the cost is less than $70 a pay period for the employee.
Insurance sucks compared to my old insurance... sm
The insurance seems like they don't want to cover anything, even simple prescriptions I used to pay 4 or 10 dollars on I now pay 20 to 43 dollars. I like the company/people so far, just don't like the insurance.
Insurance Questions: Can you tell me what you pay for insurance through your
MTSO, which MTSO it is and whether the coverage is decent? I currently pay $92.00 a pay period for decent coverage but am trying to figure out if I am getting a good deal or if I could do better elsewhere.
TIA.
TransTech and Medware, are these companies considered large, medium-sized or small companies? (sm)
TIA
Yikes.. That is only inline with companies like Focus and such. "Real" companies pay their MTs
decent rate. I make over 5 cpl editing. So, if I got that slap in the face, I'd be outta there.
Do the research...most companies, and not just MT companies, do not pay for maternity leave...
we get time off but not paid...and I really don't even understand the point of you posting this...
How do you know which companies are Nationals and which are smaller companies.
Is there a list somewhere? I'm new to this.
By "most of the companies", I meant MORE than MT companies.
clarification
Sten-Tel is the platform. Different companies use it, pay and how companies run are different. nm
:P
Nobody said MT companies were not for profit companies. (sm)....
As MTs we are an important segment of what it takes for the company to thrive, but we are still just part of the whole structure.
Not trying to be argumentative, just think sometimes we get that "I'm the quarterback" attitude and forget that we can't get anywhere without our line men.
Companies that outsource to other companies?
Anyone know of any reliable companies that will outsource to American companies and pay a decent line rate? I am amazed at what the companies charge and then want to offer in this business anymore.
insurance sm
You may be better off going directly to the source, so to speak. I do not have the insurance, but I have seen the rates, and they are reasonable, even affordable! I believe it's through either Blue Cross or UHC, or it may be both, you get to choose. Anyways, I do get the eye insurance for my family, which is at no cost to me. As I said before, your best source is to ask MQ itself. Good luck, and don't count MQ out just because of all of the negative posts on this board! I'm very happy w/them, and have been for over four years now! 
MQ insurance
I don't know if it's still the same, but when I worked for MQ, I cancelled my insurance and went to IC status when the family coverage went up to $900/month. I asked them how could that be with the largest transcription company in the world, and they claimed it was based on the area I lived in.
Insurance
They don't let you go, they make you a statutory employee. If they let you go, then they would put themselves in a situation to where they may have to pay unemployment. If they move you to statutory and take all your benefits, then they don't have to pay your insurance or PTO days. Working off the clock is just free labor for them. So basically, it is going to benefit them either way.
insurance
I carry myself and my husband and it costs me between $30 and $40 monthly. This is for an HMO. I think they told me the PPO was between $80 and 120 monthly, but the HMO had more providers in my area so I went with it. There were several choices between HMO and PPO. Like I said before, this will vary depending on which hospital. I work for a hospital in PA. I'm not sure about details for the Florida hospitals.
For the insurance directly through Diskriter (if you work for them directly), I think they quoted me around $300 a month for two people.
PT Insurance
There is a company in WI who offers insurance at 30 or 32 hours a week. For the life of me I can't remember the name but out of Waukesha, WI. Hopefully someone can jump in and give you the name.
PT Insurance
I keep wondering why more companies don't offer an option like the hospitals where you pay a little more as PT, but can at least obtain insurance as part of their group. Or for that matter, why AAMT cannot offer a group option for insurance for all the ICs, etc.
insurance
You get to choose full time with benefits, full time with limited benefits, or part time.
Now, tell me about the insurance. I may sm
still look into this.Thanks!
insurance
Check with IRBA on the internet. It is a group for small business owners and then you get a group rate. You join IRBA and then there are different insurance companies.
insurance
I checked into the self employed insurance (Mega Life) and the deductibles are high -- which I could tolerate -- but if you go into the hospital the deductible must be met for each occurence. So if you have two surgeries -- I broke my leg and had surgery for placement of a rod and plate, etc. Ten months later it comes out -- deductible for each has to be met. I have worked insurance also and their plan is hard to understand what each covers. You pay for your basic and add on -- chemotherapy, outpatient labs, etc. I went with a high deductible but where I put money in a tax free account to pay the deductible should I need it. I am self employed so it works for me. Most of the docs I type for give me free office visits and labs done in their office as well as prescrition samples. But then have only been to the doctor three times in the past 3 years. But do a search for medical insurance and you will get a lot of info. But with the difference of over $200 for a $2000 deductible, I saved that in a year and like I said it is pre tax account.
Patti
insurance
Poster below gave you good info - WMX probably has best, most affordable ins. of all MTSOs.
I know several IC's, over 50, with no insurance. SM
They rave to me about all the money they make, however, they cannot afford to see a doctor and rarely do, one goes to hospital when they run those studies.
Yeah, they make more than I do, but you cannot enjoy the money if your are dead.
Sorry, like I said, this rant is directed at older (over 40) IC's.
Insurance sm
I am over 50 and have insurance through AARP - 118.50 per month. I also have an arrangement with my personal physician to pay cash at a much lower price than he would normally charge for someone with insurance. Also, because I am IC, I have multiple tax deductions that lowers my income so that I can qualify for cheap drugs, free mammograms, etc. I also have additional accident coverage in case I am in an accident or fall or something that would be more than my AARP insurance coverage. This has worked well for me for about 13 years. Most disease can be prevented and if you take care of yourself, you are unlikely to have an emergency.
insurance
Why can't people just pay for their own insurance? IF you make good money it is affordable.
insurance
After changing jobs and realizing I couldnt'afford the new company's insurance, my husband and I attempted to buy our own insurance. Guess what, no reputable health insurance company in our state would even accept us at any price because of our physical condition. They only want you if you're young and/or healthy. So buying your own insurance is not always an option. I would advise anyone to go ahead and buy their own insurance before they get too old or in too bad of health and not count on any company's insurance, because if you lose it, you won't have any. At least that's been my experience.
insurance
please tell us what website to go to.
Insurance
If you find someone that gives good insurance coverage the pay usually goes down. We need to something about these insurance rates as no one is getting rich but the insurance companies.
It's not so much about the insurance -
I believe that by law (?) new insurance cannot turn preexisting claims if you have proof of creditable coverage from your prior carrier without a lapse of more than 63(?) days. If you were not so previously covered, I think some companies do make you wait a certain amount of time before they cover you for preexisting.
MW has excellent insurance through United. I suggest you either give your recruiter a call and ask (they usually don't mind giving you specifics as this is as much compensation as money is) and/or look up United Health care on line to see if there are any leads. Good luck to you.
OSi insurance
Are you talking about Opti-Script, Inc., or Outsourcing Solutions? Both have the same logo. If Opti-Script in State College, PA, please give me a call at 814.404.8805. Additionally, we are recruiting for full- and part-time employee MT positions, If interested, please give me a call.
Sharon B. Allred, CMT, FAAMT
Opti-Script, Inc.
Director of Staff Development & Special Projects
sallred@opti-script.com
insurance
blame it on the republicans
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