I think you're confusing the deductible with the premium. sm
Posted By: THer on 2006-05-12
In Reply to: Who has decent health insurance? - Had Enough
Family coverage is not $1000 a month in premiums.
Complete Discussion Below:  marks the location of current message within thread
The messages you are viewing
are archived/old.
To view latest messages and participate in discussions, select
the boards given in left menu
Other related messages found in our database
I think perhaps you're confusing them with another company?
They pay extremely well - higher than any other company I've been able to find.
The premium is sm
275.00 for family per pay period. You won't be paying 1000.00 for family coverage. The yearly deductible is 1000.00, and these are both stated very clearly in the paperwork. Go back and re-read all the paperwork. Right now, you pay 213.83 per payperiod for family coverage.
It could be to keep the premium in the SM
same ballpark as it was. I know TransHealth just changed from Blue Cross to another company because they couldn't keep the coverage without the premiums going way up (and they are in Tennessee also).
They pay 25% of the premium. nm
nm
What's the deductible?
what is the deductible?
There is a difficulty premium
rate for jobs that are rated more difficult than others. You get paid more but the difficulty decision is made higher up, you will know before you start that job whether they are higher pay or not. It doesn't sound like we have imput in this process but not sure.
It's $1000, and you would't believe what the premium is. nm
xxx
Do you know what the single premium is and when it
n/m
What is the single premium?
 I was checking out their website last night and going to sites trying to get some feedback on the company, looks promising.
Anyone know what the single premium is for
nm
They would have to pay a premium for STATs.
just have 24-48 hour turnaround. Whatever platform the hospital has, all they have to do is make sure their IC's have copies. The dictation would get to the IC electronically, just as it does with MTSOs.
But the gray areas aren't really what I was talking about. What I was wondering was, how many hospitals or clinics would want their work 100% Indian-transcribed? Especially if a bill were passed so that patients had the option to say whether their work was offshored or not. I know I, as a patient, would rather my op report or H&P were being typed by an English-speaking, accountable, AMERICAN independent contractor, than in some lawless foreign country 6,000 miles away.
Who figures out the difficulty premium
see in the packet about difficulty premium and pay, but is every single dictator being assessed and listened to somehow and who is determining the difficulty?
What is Transcend's insurance like and premium for
nm
What is Transcend's insurance like and premium for
nm
What's the single premium for TransHealth's ins.,
nm
Premium Business Services
Anyone working for Premium Business Services?
A lot of the time the insurance premium comes out
I am not the person above who is paying those premiums, but there are also flexible spending accounts that sometimes help with healthcare. With MT, you can supplement very easily by taking overflow or having a small account on the side. Some people tend to take extra jobs. In all my years, I can honestly say that I have never worked only one MT job. I have always held a full-time job with side accounts. I fortunately can now work full-time from home as an independent contractor, but I prefer piece work and making my own hours for the sake of my children at least for now. I plan to maybe go back to in-house but not strictly transcription once my children are older. Who knows what the future holds? I think if you are a single Mom and have the willpower you can make a go of MT as long as you budget and know what is needed to survive and not just what is wanted to survive if you know what I mean. I would never trade being at home when my kids come through the door for school for all of the money in the world. I love it and so do they.
Thanks! It wasn't deductible at all when I was an IC. sm
But I will never work as an IC again and I could not get an independent policy anyway, having had cancer and ongoing therapy. A lot of MTs are in this position with either age, a serious disease, such as hypertension, diabetes, etc. It just isn't that easy to get self-insured anymore. That's why I don't understand companies who don't offer benefits. The last figures I saw, benefits were worth about 1.5 cents a line. Something to figure in when considering great wages. Thanks for the information.
$1000 deductible
I'm single and I pay $75 per period for the $1000 deductible, $25 office visit. There is also a $2000 deductible option that a single person would pay $37.50 per pay period, $30 office visit.
2500 deductible
Does this still have the 2500 deductible? Doesnt pay copays to doctor visits either?
$80 for $500 deductible, cheaper w/
.
actually I need to clarify the deductible sm
thing. It is a 4000 for hubby and I. But, they give you a benny account that has $3000 in the account. You can use it for your deductibles which would leave you with $1000 out of pocket. You can also use it to pay for medications but medications do not come off your deductible so if you use it all for that, you could get in a mess if you have a hospitalization. You would have to pay 4000. If you don't use the money it carries from year to year. So its not as bad as it sounds.
As far as the lady who wanted what Canada has; I understand her frustration. But, you would be waiting forever just to have a simple x-ray or MRI and forget surgery. Canadian health care system is not all that great, that's why lots of those folks come here.
I can't say I know the answer, but that is not it. Its a sad thing in this country though the health care situation
They must be confusing themselves with someone..
else..they are the ones that posted this ad on the job board:
Keystrokes has an opening for a radiology MT.
We supply the tower and the footpedal. You supply the monitor and the keyboard and the high speed.
This is a lovely account, clear and concise dictators, fast, but good. Platform is MANTIS, experience preferred, but not required on this platform.
Pay is by the report.
Yes, it is confusing ... sm
MDI-FL is different. They are also a great place to work, and their website is medicaldictation.com. You might want to look at them, also. The two are not affiliated in any way, only their initials are the same!
Thanks, it seemed a little confusing. nm
It is confusing (sm)
I think we can look to other industries as a possible example.
Imagine you need someone to paint 2 rooms in your house. You speak with a man on Monday and let him know that you need your living room and kitchen painted by Friday 8 p.m., as you have company coming from out of town. You both agree and create a contract that states his pay ($300), 2 rooms need painting, and the deadline to complete the project. The end result: Two rooms painted by Friday 8 p.m. for $300. The homeowner has a right to specify the end result, but is not managing his hours. If the homeowner had no control, the painter could finish whenever he wanted. This would make no sense. So, the homeowner would have someone come to paint with no idea when it would be finished or how many rooms would be painted? In MT, the end result could be total lines, number of tapes, etc.
confusing...
It is really confusing, the whole thing, which is why I left. Everyone is sad, myself included, that the Indian team leads are being let go as well. They were great to work with and I do know for a fact that they are being replaced with American team leads. It is confusing that they let the American QA team go in the first place, and from they way it sounds was without warning. They now have a forum board on Yahoo groups for the MTs to voice concerns and to stay informed. That was a good move on their part. If things get better I would like to go back part time. I guess time will tell the outcome. Focus was my first company and I wish them the very best.
It is confusing, and while not for the . . .
most part going to change the meaning, I do find it very confusing. I do use Stedman's and Dorland's as the most reliable sources on these issues..
All so confusing!!!
Wow.
Yikes, does the company contribute toward your premium? sm
Wow, seems very high. I've heard of $300 - $400 for a family plan monthly but never double. I know that a lot of places feel that you as the MT are saving travel, clothing, lunch money and getting a lot of perks working from home, but so are they by you doing it! I do know plenty of people do work just for benefits though. If you're working for needed income just as much as benefits though....I'd check around. Wow again! Company I just got an offer from (didn't take it, they're bad) offered full family bennies for just over $300/month and it was a decent plan - good co-pay, deductible, etc. But it is one of the bigger MTSOs. If it is a smaller one, they may not be contributing, just offering it to you. It is possible to find one that contributes monthly toward your premium.
How is the single coverage/premium at Keystrokes
nm
What's the single premium cost for Webmdx. Is it
nm
high deductible for medical
the basic plan has a 3000 deductible and costs $20 per pay or you can get 'better' coverage with a 2500 deductible or 1500 deductible. naturally these cost more per pay period as well. Other than that all the other benefits are decent and the night shift people start earning PTO immediately and can use it after 90 days, as opposed to 1st and 2nd shift who have to wait a year.
Various high deductible plans when
Back in 12/05, they had 3 high deductible plans, lowest deductible of which was $1500. Believe it was 1st of month after 90 days when it kicked in. Don't know if it's changed since then.
$15 copay for PCP visits, $750 deductible. nm
Large deductible and everything out of pocket.
xx
I pay $140 a month total for $500 deductible-WMX
BC/BS with $1K deductible, dental is normal sm
coverage and as the person below pointed out, you are wrong on the PTO. Also, last year we were allowed to choose a plan with a lower deductible and pay for it and that choice was not given to us this year. Why don't you try telling the truth about Webmedx instead of prettying up everything?
I was referring to the one in FL. Sorry if confusing....NM
xxx
WMX call very confusing
She just went round and round about how much more money we as MTs are making since we are so much more productive with the ISR, yet the example she gave had the MT making $100 less! I just don't get it. So disillusioned. Their coldness and statistics make me ill.
Can you tell me if this is for good insurance, deductible, copay etc..??
I had a good rate before when I had insurance but the deductible was $5000 and no copay so it wasnt worth it.
you don't have to be IC to deduct that - just do an itemized 1040 and it is deductible even if yo
x
MTSOs with insurance deductible 1000 or less? nm
x
Sten-Tel....this is getting confusing....please read
Yes, the previous poster below is right, I am referring to the job ad that they had for cardiology and pathology, not the platform or the franchise. It's the company out of Springfield, MA that I am talking about. I appreciate some of the feedback I got so far. It seems that those who are working for them out of MA are happy with their jobs. I was given an opportunity to work for them as an editor/transcriptionist and all I wanted to know is if they were a decent company to work for. So, if there are anymore Sten-Tellers out there, I would love to hear from you. Thanks.
Your moniker is Overseas MT, which is very confusing.
Your post was fraught with errors. You didn't even get the gender of the owner right.
I realize this is a message board, people write quickly and are bound to make typos. Many of your errors simply weren't typos, though.
If I were an MTSO reading your post, I don't think I'd invite you to work for me. Sorry.
I think they use different programs, very confusing and disorganized
nm
The archive searches here are confusing.
But when I put 'davis' in the second search box down (not the top one, with Google, etc.), just to the right of the ''Post a new message'' button, I got plenty of results.
I think the confusing issue here is the term
Maybe access is a better word. For instance, I have access to certain accounts for my online company. As an IC for them, I have no quota to meet, I draw from the pool of dictators. Now, I have agreed to take on certain dictators that no one else seemed to want to do. But, if something comes up in my workday, as an IC, I just e-mail the company and they find someone else. It's that simple and it works great. Other than that, I draw from the pool of dictators that I have access to for that MTSO.
Assigned means no help from any other MTs; it's all you and when a company assigns you work they should actually be paying you as an employee not an IC. An IC works piece work meaning each and every sound file is a job or a service you have provided to that company. You are an MT that provides your skills and they pay you for that service.
The only thing I've found that's difficult in this biz is naming your price with the online MTSOs as an IC. They seem to name the wage; so that part is tough.
If it is an ongoing relationship, it's also important that you think of this client and/or MTSO on a file by file basis. One voice file is a job and so on. There are other MTs in place at the company I work for that will step in and take work, so the downside is that I have to be on my toes if I want more than just what I have agreed to do on a regular basis unless something comes up.
As an IC, I have my own personal clients as well. But, I consider the online MTSO one of my clients, so I service them all in the same fashion.
In actuality, my own clients are the money makers, and the online MTSO is filler and works very well for me since there are no set hours, no set line quota, and I can not work at all on any particular day. As a courtesy, I let them know if I'm taking time off, but I really don't have to do that if I don't want to, but I like to because I know that TAT is important. I respect them and they respect me.
Excellent benefits at TT. I have PPO coverage with a fairly low deductible
and pay $42 per pay period. The coverage is with First Health and they do offer coverage in all states. Good prescription drug coverage also ($10 copay). Hope this helps.
AARP was $800 per month, single. $1000 deductible. SM
I know personal insurance is reasonable for people under 50, really I do, but I'm not under 50, I'll be 60 in June. I have checked all over and, even with spousal insurance, it is 800-850. There is an insurance crisis in this country of epic proprotions and I don't see it being solved anytime soon.
I'm willing to pay well for my insurance, even though I am healthy now, but not 800 and up and those didn't even cover a yearly PE. Even my crummy Spheris insurance pays for that.
TTS has a very low starting pay & a confusing bonus scale. nm
m
|
