I have BCBS individual policies for myself and
Posted By: SM on 2007-05-18
In Reply to: any recommendation for independent insurance - company?-if so; TIA -- no message
my last home-living son. When all my children were still at home, they had individual policies that they could take with them.
It was cheaper for me to do buy each of us an individual policy and know that I can keep us insured 100% of the time regardless of whether I changed jobs or not.
The plan I chose for ours has a $5000 major medical deductible but we have not ever had to use hospitalization and I can pay out $5000 one way or another. Office visits are covered 100%. That was my main concern as I wanted the routine items covered. I can handle facing the other big ticket items. I also wanted the lowest premium possible. It was a great bargain for us.
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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.
For decent private individual policies, it is very expensive for a family.
Unless, you have a $5000-7500 deductible and a 50% copay on prescriptions which is bad for us because my son takes medication that costs $160 a month. If we went with a policy equal to what my job provides, the premium is over $1000 a month. With my job, I am paying about $400 a month for family coverage.
I think she is referring to company policies not the policies on this board. sm
QA policies
Hi All,
I am working with a company that is in the formation stages and was trying to get input so we could put together a very competitive package for MTs. I know average line rates, etc. but wanted input on experiences anyone has had with regards to QA policies - do companies penalize for bad quality and, if so, how much? Same with turnaround time. The more details you can provide, the better.
Thanks for any feedback!
What policies are those??
BCBS
I have a private policy through BCBS and pay 350/month for a family of 4.
New OSI policies
Now in order to be paid for holidays you have to have at least 98% QA score for the previous 6 months. I understand how quality counts but if you are counted off for any moronic thing which is usually the case because there is no consistency whatsoever with OSi QA dept. you will not be paid for holidays within 6 month period. You must also meet minimum line requirements and it doesn't matter if there is no work, low work or PTO. I cannot believe that if there is no work prior to a holiday you won't be paid for the holiday. Just another way to rip off the MTs who are the bread to the butter of this company. Fortunately I have never had a QA problem but I have run out of work on more than one account. This is one more reason I have decided to give OSI a big kick in the behind, BYE BYE OSI. GOOD GRIEF! 
Take a look at board policies. nm
x
Regarding your insurance: BCBS sm
for an individual in your age group for $300 a month and only a $250 deductible sounds pretty good!
Re #3, you need not mention the fit at all if you're looking for an at-home position. If asked, just mention they were happy with your work. We at-home MTs don't do phones!
Good luck to you!
oops, s/b BCBS
BCBS PPO at Webmedx
nm
Who offers BCBS?
What MT employers offer BCBS?
BCBS - Webmedx
BCBS silver or gold plans.
Company policies
usually state that no political affiliation be displayed in the work place, and I believe that sending political emails is definitely against procedures and protocol of any company. Employees can get fired for promoting personal beliefs in the workplace, but managers and owners can preach religion and push their political beliefs. Double standards ad infinitum.
Transtech does not have any policies like this
nm
You google to get BCBS #, call and tell them you
x
TTS does not change policies, procedures and
don't drop bomb shells constantly like MQ. I work for both and TTS is a reliable MTSO to work for, little hassel and no stress, not to mention actually having a primary to work on. I would rather make 9 cpl and have job security and comfort with TTS than all the stress of MQ! Take the job, you will love it!
90 days/Highmark BCBS
Webmedx offers BCBS
Not too expensive (cheapest family coverage I have found). Coverage good, except labs are not covered :(
There are board posting policies at the top of the page
x
Whoa! That's one of the strangest policies I've seen
They make you list 3 places you tried to look up a term? That's just plain nuts. I wonder what their turnover rate is.
Thanks for the info.
BCBS customer service number sm
Can someone email me with the BCBS customer service number for health insurance through Webmedx? I am thinking of signing on with them but want to ask them a question about coverage first.
Thanks!
I have a question regarding pre-existing and insurance policies if anyone can help me. sm
I haven't had insurance in a long time but my DH is coming up to qualify for insurance in July. It is BC/BS and is $305/mo for he and I with $2000 deductible. I have been having a lot of medical issues lately. I see on the paperwork it asks for proof of insurance for the last 18 months. I don't have any. Anybody know what they will do about pre-existing? I could go to a doc where nothing is documented but at this point I am not sure if it is better for me to search my own policy or get on his given my medical situations. I don't know how the pre-existing things work.
Any companies hiring with BCBS as the insurance?
If there are, do they pay well? By well I mean 9-10 cpl.
it is NO longer MDI people, it is Transcend policies
The rules change, the people change either from new policies or new staff.
Didn't you read where they send out threats of termination if line count not met YET YET, the MTs don't have the work to GET the line count and they know it, were told that.
Webmedx has BCBS and some accts pay that rate, more with incentives. sm
Plus we have shift differentials too.
It was a web-inar showing how to use the BCBS insurance site, mostly. sm
Talk to HR if you need more help. It was presented by BCBS, not our HR group. Showed how to access your account, benefit stuff online.
Dental is Metlife; medical is BCBS w/medication plan sm
$1000 deductible but office visits are $25 co-pay. I think there is a vision option but I don't take it. DD, payday every other Monday; my checks have always been on time. Incentive plan based on total # lines produced, as well as shift differential (not much but there is one). 6 paid holidays, PTO (which is not much first year but rises after that).
As for hours, talk to the recruiter about what you want; I believe schedules are based on which accounts have needs at the time you apply.
401K - no matching.
he's not looking for individual MTs
He's looking for a group that collectively can handle 5000/day.
I have the individual coverage
and it's about $17 per week. United Healthcare, good plan. 250 deductable. I wish I could help you more but I know my regular doctor is on the plan so I am quite happy with the coverage. Hope that helps.
It's not so much the school, it's the individual.
x
CUT-THROAT INDIVIDUAL
I know who you are too, and what goes around comes around!
What a pathetic individual
I know what you're alluding to, even though you are too much of a coward to say it outright. If you can't say anything nice, or heaven forbid be supportive of this individual, then just keep it to yourself.
I, too, work for OSi and have for a few years. It's bad enough that you come on here and trash the company, now you're making personal attacks?! Go crawl back into your hole!
Oh yes they can! It depends on the individual sm
QA person, of course. There certainly are some with very strange ideas on the interpretation of transcribed work (they don't take time to read the entire report to get the proper context) and some with vendettas. There are rotten apples everywhere.
How can you know for a fact how much another individual is capable of doing? sm
I have tried to ignore your constant negativity, and I do feel sorry for you because you must have an unhappy life to want to always rain on everyone else, but enough is enough.
I average 300-350 lines an hour, at 11 cpl that equals over $33/hour. I have been an MT for over 30 years now, and have been blessed with a natural ability for speed and spelling, and, although there are new things to learn every day, I do not have to spend the majority of my work day looking up things.
I am not trying to be adversarial, and it makes no difference to me what you believe. I cannot believe I even got sucked this far into defending myself against some stranger. I wish you well, and hope you have a job that you enjoy as much as I do mine.
Merry Christmas :)
I have individual coverage and I pay less than $100 per month. They pay
the rest. I think it's definitely more for family coverage and I am not really sure what those rates are. I would just call and ask them. They're really nice and helpful.
Reports for any individual company. nm
Is that individual or family and what is the company?
nm
This is why I prefer group over individual..
The bottom line is that.. When you have group insurance, you have a set rate, along with everyone else, regardless of your health insurance..and when it renews each year, it will only go up based on the group's rate, nothing to do with your personal health history and it is generally better benefits overall. Now, you have a private policy, can only afford one with a huge deductible (major medical)..well, during the year, you had an emergency surgery, heart attack..whatever.. Well, first off you have that preminum which is high, then you have all of that deductible to meet, upwards of $5000..THEN, your shocked at renewal time that they jacked up your preminum about $200 a month..and then your stuck..You can pay that outrageous amount or go without insurance because another private insurance wont touch you will all of your medical claims in the past 10 years. If they do touch you, it won't be cheap. So, your bad to square one.. crappy insurance at a bad price or signing up with a company for okay rates but better insurance.
I thought I was smart not keeping my group insurance through work because it was $400 a month (deductible $1000 etc..) so I went and got myself a family plan through private insurance for ONLY $196 a month.. Yes, then I had a $5000 deductible and come to find out my prescription benefits were only 50% instead of the $10-40 I had been paying. One of my son's prescription cost us $100 a month with that great insurance, and it would have only been $25 on my old group policy. Yes, I was saving a lot of money..NOT. I did check into my private insurance to get a policy similar to my group one.. and imagine that.. they wanted over $1000 a month for decent insurance. So, no thanks. I'll stay with group..It's worth it in the long run.
Are you looking for individual or family coverage?
X
A flyer for individual docs:
*If you're like most doctors, you never read dictated medical reports, anyway! Yours, or anyone else's! So why pay through the nose for something you'll never look at?*
*At AchooQuist, we understand the needs of busy docs like you.... men and women who laugh in the face of malpractice suits. That is why we've tailored our MT services to suit your busy, careless, greedy lifestyle.*
*When you joint the AchooQuist team, you'll pay what YOU want. (next-to-nothing). And you'll get exactly what you pay for.*
*We GUARANTEE it.*
Maybe you could solicit work from individual
and give them a good rate for paying CASH. Then no one could prove who you were working for.
No, Diskriter is owned by an individual - they have never been linked to MQ - never will -
never ever ever ever never - if they ever did join with MQ, I would quit in a heartbeat and never go back to the field of transcription.
Their individual insurance is $52 a mo and their dental and vision
run it up to about $60 a month. If you leave, you also get to Cobra the dental and vision together at $30 a month. I know because I left and went back. Nice folks.
Can anybody recommend where to get individual insurance affordably sm
for self-employed MTs that doesn't exclude pre-existing conditions? My husband just lost his job and we haven't received the COBRA papers yet and it has been over a month. I have health problems and really cannot afford to be without insurance so I thought I would ask if anybody here knows of good reasonable insurance for the self-employed but more importantly one that actually will cover something! Thanks so much!
What a charming individual you are -- thanks, and Merry Christmas to you. :-) nm
x
Yes, my husband is self-employed so we have individual plans but...
the preminums keep going up and up. I realize they also do when you work for a company, but since they get a group rate, the hit isnt as hard as when you are self-employed. Once you have a medical condition and your self-employed, the rates are horrible. I am going to check into some of our plans here locally just to see. My husband and kids are on their own individiual plans and they do have a copay but all we could afford was the cheapest plan which does not cover a lot and like I said every year we get hit with higher preminums just to end up with less coverage. It is very discouraging.
Very affordable for individual, high for families, sm
but I think all insurance is high for families. 6 holidays, a few days PTO until you've been there over 6 years. (and they keep changing the PTO yearly).
Pros and cons dependent on individual (sm)
In my own case, I was never a power producer MT. There were several reasons, but suffice it to say that though I always made quota, I never really soared past it. My transcripts were always nearly perfect, though, and that got attention and I got asked to do QA.
I am a better QA person than I am an MT, both because I have a knack for hearing things other people can't, and for finding the answers in books or on the Internet. And it allows me to do my typing in shorter bursts, which works better in conjunction with my health issues and honestly, my attention span. (I joke that I'm both OCD and ADD, and my QA job is easier on both of those than straight transcription.)
I have a friend who's just the opposite. She's a fantastic MT but hates doing QA. She hated dealing with others' mistakes and was uncertain of herself when having to make a judgment call about something. She also can transcribe fast enough that she makes more money on the hour transcribing.
So, overall, yeah, I personally think it's more a preference. Different strokes...
That is individual and the company is paying a big portion. sm
That is the employee portion. They were having problems getting enough people interested last year but I guess they have enough now!
To answer your other question, they may hire MTs for individual departments
like Renal Transplant, Orthopedic department, etc. They do not have hire for their MR or radiology department as those departments are outsourced.
You could probably get in a specialty practice.
I know Rothmann Institute hires on-site MTs for their Hand Center - Orthopedic surgeons. They have an office in Center City, a satellite office in King of Prussia, and another one in Cherry Hill, NJ.
Hope this helps you!
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