Is that individual or family and what is the company?
Posted By: May have to check it out. on 2008-01-21
In Reply to: The new KS insurance is only $250 a month. That's MUCH lower. sm - Update
nm
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Are you looking for individual or family coverage?
X
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.
Reports for any individual company. nm
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!
It is a family owned company and
Yes, every report is put on hold until it is released from QA. I guess they go over it,or just release it, I do not know, but every report that is transcribed must be put on QA hold/sent to QA even if no blanks are in it.
WOULD LIKE TO FIND A COMPANY THAT HAS DECENT FAMILY INS. BENEFITS AND PTO
I have been working in-house at a hospital and would like to go home to work, but I am having a hard time finding a company out there that offers decent insurance benefits and PTO.. Any ideas are appreciated..
family plan insurance - which company has the best prices? sm
pathetic and true -- I'm basing my decisions on that :( i just can't spend 1200 a month on insurance. HELLLP.
Yes, I think you should work for that offshoring company, go for it!. Feeding your family ist the m
Nobody is going to pay your bills and put up a monument for you because you refused to work for an offshoring company!
Their website touts themselves as being an "AMERICAN" family-owned company. Kind of ironic! n
x
You are pathetic! I have a great life, loving family, work for a great company.
You might want to fix that.
You really don't have to shout (angry person), but yes you are wrong!!
That is my last word to you!
I will add that getting a great pay check every other Friday from Medware really puts a huge smile on my face.
The ad says they treat MTs like family ... what a family that must be! LOL nm
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.
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.
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.
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...
She didn't say she didn't have a family. A family isn't just kids. sm
She also said she didn't have kids. Why do you think you're so much better BECAUSE you have kids? I am so sick of that attitude. I don't have kids, never wanted them, but have been discriminated against in jobs because of it. Everyone figured since I had no kids I could work all the time. I said NO! Just because I don't have kids doesn't mean I don't have a life or that my life is not important. 
BTW I work part time too.
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!
agree,the pay is going to vary based on individual experience
nm
ExText line count for individual reports? Is there a way? nm
x
You know, its just so much dependent on the individual posters. That's what ruins the thread whet
good or bad about a company, and wish as we might, we just cannot make some MTs have any class, or behave like an adult. I don't think people would bash the positive posters. In fact, normally they don't, but its how the positive posters post! Most times, they just come in bashing and defending their company, and that never works! In fact, if they just realized how bad they are behaving, while they are so outraged and trying to protect their company, they actually make the company look worse - know what I mean? We all shudder and think, Uggghhh, glad I don't work with her. Or whatever! Or if they just post totally out of the blue, like "Gee, ya know, Joe Blow Transcription is just the BEST - a dream job, and I am just sooooooooooooo happy here. (and then you can bet your next paycheck that there just happens to be an ad for help at JBT on the job board, posted 60 seconds before the "cheerleader" post. Those happy posts are just insulting! And same for the negative posters. We all love the infamous "Joe Blow Transcription Sux", and they don't even have the brains to put "nm", so we all waste our time and follow the thread to see WHY JBT sux, and there is no message! These are the obvious disgruntled MTs who got the axe, and for probable good cause! But when people are upset enough to come on the board and post their grievances: a. we SHOULD lend them a sympathetic ear, even if we work for the same company (perhaps more if we work with them - they are a coworker on the same team after all), or b. we should at least let them voice their probable valid grievances. We could all benefit from their grievances, as these companies really do have a history, or pattern, of behavior. And when there are runs of these battles over a company, as upsetting as it may be for some of you to read or see, it is a very big RED FLAG and indicator that something is wrong in these companies - maybe it gets fixed, maybe it doesn't, but SOMETHING is wrong, and I sure like to know before wasting my time! Been there, done that, and have even not listened to some valid grievances about companies, applied, been hired, and crushed to find all the complaints were 100% true and still not fixed! So, negative as the posts seem, sadly they are indicative of the condition of our industry! Let these companies know we are communicating about them - it turns up the heat for them to FIX themselves!
Haven't noticed - do you keep track of individual report counts?
nm
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.
ooops. I mean that individual plans suck..not stick as I stated in previous post...NM
The 2nd one was NOT family. Again, get your sm
facts straight.
Family
No ... not being catered to. The company pays the same portion of my insurance for my family plan as it does for the employee who has no family. With the new plan, for health and dental for myself and my family, I will be paying a grand total of $738.93 a month, which is down from $977.00 I was paying. I hardly call $738.00 a month being catered too. I'm just happy it came down. The employee only rates are still very, very good from my point of view, and it does seem like it is really good coverage.
this is for family?
/
No family? sm
Then who is that cutie in the picture?
You say family comes first?
All the love in the world goes out the window if you are hungry. Check and see just what are the basic needs. Love is not the first thing on the list.
family plan
Anyone know what the cost would be for a family plan?
family plan
I can't find the info they sent me...It should be here somewhere. I'll look some more Sunday and see if I can find it.
family plan
I've looked everywhere and can't find the initial info they sent. Maybe someone else who has a family plan through MQ or at least can find their introductory info on the insurance plan can answer this. Sorry!
They do not pay anything on family coverage, IMO. That is why I would rather be an IC and buy
my own policy versus being an employee of a service. When you think about it, being an employee for most of the services out there offers no real benefits at all. I have found that the PTO that some of these companies offer as part of their benefits package is a crappy. You basically get paid a base hourly rate for any PTO you take and that base rate never EVER equals what you actually make when typing. So you are basically penalized for taking time off.
And health insurance benefit packages are a joke! They pay nothing for family coverage and not to mention there is always the threat looming over your head that if your production falls, they can take your benefits away.
If I were you, I would either be an IC and buy your own policy or try to get on with a hospital that offers work at home MT jobs. Hospitals are the only places that offer decent health insurance coverage for families. I have my own accounts and bought a health insurance policy for my kids and I, but recently I took a job with a hospital just for the insurance. So now I have my own accounts plus I work FT for a hospital from home. I pay $175 a month for family coverage with a $1000 family deductible. It was financially a smarter move for me to go to work as an employee with the hospital because I'm saving a bundle on insurance.
Again, let me say, I would NEVER go back to work as an employee for a service. They don't offer anything that I would consider benefits. You're better off buying your own policy.
If you are single and have no family
go for it. My situation was a bit different in that I wasn't running out of work, just testing the waters. I applied to about a dozen companies, offered positions with each, took 3 positions to figure which I liked best. I had worked for a small local company for 13 years as my only experience so was really clueless. I found it really difficult to switch from the various accounts and scheduling became a nightmare because I really had no clear-cut hours or line counts. It got to where I wasn't doing a good job, just doing the lines and not caring about the product, plus I was screaming at my son for bothering me while I was trying to work. Just wasn't worth it.
Single or family? nm
Family coverage
is about $217 per pay period. I think you have to get this one if you have more than one child.
Yes they have family coverage
but I do not need that right now. I have a schedule but they are flexible hours so that really helps. Pay does include all spaces, but what I like is the direct deposit and the steady work. I have been with Medware for 2 years and always have work. If my primary is out they give you a back up account. Finally my income meets my needs and I can move ahead with some things around the house that needed fixing. Plus it's nice knowing I have good health insurance.
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