Large deductible and everything out of pocket.
Posted By: Unreal. on 2007-12-21
In Reply to: What does that mean? - BB
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It's OK pocket-change, but I need a much
It's a good thing I don't have kids, I can't even feed my cat.
We? We?? You gotta mouse in your pocket?
d
The "health insurance" is awful. Everything out of pocket.
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What's the deductible?
what is the deductible?
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
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
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 think you're confusing the deductible with the premium. sm
Family coverage is not $1000 a month in premiums.
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
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MTSOs with insurance deductible 1000 or less? nm
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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.
is the deductible for insurance still 2500 bucks w/ no copay for doc visit?
That is the sole reason I quit. That and the fact they switched me from account to account as soon as I started making a decent line rate with one.
They also have the ability to slow down how fast you can download files. They slipped and told me that it was to help control traffic on the server.
I pay approximately $113 per pay period for single coverage, $1000 deductible.
Hope this helps.
With Transtech insurance, do you have to meet deductible before office visits are covered? nm
nm
I thought the deductible was 500 vs 1000 (gold vs silver) but I guess I better go check! sm
As for policy levels, yes, you can get coverage as a single; as a couple; and self / family, with concurrent cost changes. Dental is great too.
Now, where did I put a copy of my BCBS plan... hmmm!
I can't tell you, sorry, but it is a LARGE one.
,
large comp
I agree.
They have taken on several new large accounts over
the past several months.
been with 2 large nationals; will never do that again.
Much better with the smaller companies.
I have 22 employees, which is not large, but had to do the same. sm
Our state unemployment division did an audit on me and determined that the ICs are actually employees. I had to pay unemployment on everyone who works for me or who did work for me back 5 years to present and make them all employees. I had to pay fines and penalties too.
The IRS has their list of 20 checklist items but the states can have a few of their own and they have the right to enforce them.
One from our state (Missouri) states that if you perform the same type of duties as employees at the company, even if you fit the 20 items from the IRS, you are an employee.
I appealed the decision and lost. It cost me $5000 for a lawyer but still have to pay the $218,000 to them (the total with the fees, penalties, interest and payments that should have been made). It is going to force me to close our doors.
If it is a large account
your email may be one of nearly 20+ she gets per day. When you are a lead you are getting many calls and emails daily. Address the issue with the head and go over his/her head if things don't improve.
these were supposedly large sm
companies that have been around awhile. I am hearing a lot of MTs going through the same thing. Its getting ridiculous!
It is hard to get a large
group of doctors at a hospital to ALL do VR and their own editing. Smaller clinics are more likely to completely do away with MTs, as they are more inclined to do their own editing; plus doctors in clinics do not go into as much detail as hospital dictators. Clinics usually stick to a fairly standard normal template, whereas doctors in hospitals dictate all kinds of ways...That is what I have seen..
I have found that large places
like hospitals, banks, insurance companies offer the best benefit packages to part-timers. In fact I once worked 10 hours a week at a bank just for the benefits package. PT MT at home with benefits, however, I don't think you will find. It's hard enough finding FT with benefits and the premium isn't $800 a month.
Yes, 2 large hospitals. Both accounts out. nm
nm
When I worked for a large national, they
had a gal from New York using a steno machine. She consistently turned out over 20,000 lines every 2 weeks/pay period. So if you know the steno machine, you can make megabucks in transcription. She always won awards at this biggest national.
The accounts are so large you get them some days
and other days none. I too have had days when that seems like all I get. Sometimes I will go 3 months before I get the same doctor. She should have asked them to route her a variety that day or try another account. There really is a break in period with any new account but Transtech really is the best company out there and they are willing to work with their MTs.
Um, not exactly - some of the VERY LARGE companies do the same thing!
Trust me. lol
I do a large number of ESLs and usually
don't have issues, but when I worked at SS their ESL dictators on at least 1 account were horrendous. They were bad dictators on top of the sound quality being the worst I've encountered in my 20 years of MTing. Management was a joke and you couldn't believe a word the CEO told you. I worked in QA and the quality of the transcription was very bad. Someone asked me if the work was done in India and I said it may very well be because it was so bad that it pretty much had to be done over. I had some suggestions on how to better run things and was offered a management position to implement them, but I declined.
The reason there is a lot of work is because they can't keep MTs. I agree not all companies, not matter how good they are, are a good fit for all MTs, but if a company has constant turnover there has to be a reason for it. I work because I need the money and I don't see any reason to waste my time going with a company that has the reputation that SS does. There have been a handful of MTs who despite all the negatives about SS decided to accept positions. A couple of MTs have come back about a month layer apologizing for not believing us and said everything we said was true.
I would not refer my worst enemy to this company.
Would anyone work for a large national co, with a
I use the company provided computer. They had a change in computers and I was sent a new one. Since that time, the foot pedal provided has not worked. I can hear reports, but I cannot backup or move ahead using the pedal. To hear something again, I have to bang my foot on the pedal. To move ahead forward or go backward for any length, I must go to playback page and manually move the cursor to where I need to be.
I have put up with this for five years. Yes, that is right, FIVE YEARS!!!! I have called our so-called Help Desk numerous times and I have been sent two more pedals, neither of which work, or, rather, work the same as the original pedal. I have asked for help from countless people. The Help Desk states I am the only one having the problem. The supervisor says I am the only one having the problem. I know one other person on my team who is also having having the problem, but we are too ashamed to really raise heck. I am disgusted.
By the way, it is the most commonly used foot pedal. Even their ad states it works with any computer. I just had to vent.
Large nationals don't like radiology because of TAT
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I was offered a very large rate of pay, so you
z
I know they just got a large hospital account near me.
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They have recently gotten a very large account. Probably
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A REALLY large system with several hospitals. nm
Is this a large hospital with MANY Hispanic
dictators, probably over 75%? I heard they only had 1 account on DQS, a new one they picked up in August. I am working on that account and would love to switch.
It's a large company, Passing, SM
offering a variety of opportunities and mixed experiences. Different platforms, different managers, and different accounts all over the country. Transcend kept me happy with lots of good work for a long time before my account went offshore without notice. I was then switched to another very good and interesting account, where the way the lines were counted was adjusted down again without notice (by the same account manager). If that hadn't happened, I'd be there still, and I have no doubt that the many people who say it's a great company are honestly reflecting their own experiences.
Knowing what I do, if I were you I'd go ahead with the training but, as with any company, be firm up front that as a pro you expect to be assigned to good accounts with lots of work. Then call on them immediately (first 2 days) to correct the situation if they are not, and mean it. I've never been in MT personnel, but I imagine they hire a lot of people who don't pan out, engendering an attitude that adversely affects the way many others are treated before they have a chance to prove themselves. If they allow it. Best wishes.
Usually MANY battles, both large and small,
Food for thought.
All the large companies do the same thing.
I don't work for WMX. I'm amazed this is the first anyone has heard. I suppose Webber Inc. keeps things quiet.
Really, don't get upset. Just business as usual.
And what large hospital did they lose? (nm)
.
As someone who has worked for many large companies, sm
I've seen this many times before. Companies downsize or streamline or whatever they want to call it OFTEN, especially management level positions. I wouldn't blow this out of proportion.
Anyone currently working for DSG know if they have a large turnover of MTs there and how is it
to work there at the present time. Just looking!
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