I have a question regarding pre-existing and insurance policies if anyone can help me. sm
Posted By: LMT on 2008-05-22
In Reply to: I've been posting the same thing for a couple of years. I don't understand - me
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.
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I think she is referring to company policies not the policies on this board. sm
I believe with pre-existing conditions sm
and signing on as a new employee you are automatically covered under the open enrollment rule. At least that was what I was told when I changed jobs. I had my certificate of credible coverage but the transcription company and the insurance company didn't need it.
I don't know about pre-existing conditions as there
isn't anything I've had to deal with, but I was impressed with how good the insurance was and how inexpensive it was, especially compared to most plans. The company also provides some benefits free, such as vision, and long/short-term disability.
If IC's can't join EXISTING unions, then maybe
it's time for MTs to form a union that DOES include IC's, especially since they are a large part of this industry. They deserve better wages, too.
If at all possible, hold on to your existing job and try out the other job. BTDT. nm
/
Pregnancy is excluded from pre-existing conditions. nm
x
I make subs sign only for my existing client base
nm
Any of you TransTech MT's have pre-existing condition, and what are requirements by Aetna/Coventr
If an employee has a preexisting condition from several years back, but has not had treatment of any kind for that same condition for the past years, is that still considered a preexisting condition? The new insurance will not pay for ANY preexisting conditions. Am I right about that?
If anyone has hands-on experience with this, please respond. TIA
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??
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
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
I have BCBS individual policies for myself and
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.
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!
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.
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.
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.
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.
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
Insurance
Sure, be glad to share. Webmedx had fabulous insurance coverage. I just got the info this week and jumped on it. The best I have seen in the industry yet! They are worth checking out!
Insurance
For myself and 2 kids I pay $400 per month. I'm in Florida, and this is for the PPO plan. (United) It has been good for us. I had surgery last year and had no unexpected expenses from it at all. The plans and rates vary as to where you live, but they are similar all around.
Insurance
I don't remember their insurance rates as I did not need coverage through them. They do have 3 plans to choose from with different rates. Pay is average, maybe slightly better. They do request you stick to a schedule, require weekends and 3 holidays a year.
INSURANCE
Can anyone give me some information on this company's benefits? Thanks.
insurance
anyone willing to share the name of the insurance company Transtech offers? I wanted to look up their website. Thank you!
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