MTSO can say need coverage for Dr X, do you want

• gulf coast transcription website says - no work schedule, no mininum quota...s/m
  • Looking - Siren
  • I tested with them - Siren
  • I don't work for them, but I do work for a smaller - company as an IC and they do not require
    • this may sound dumb but what exactly is an independant contractor? - do they not take out taxes, you just work for your
      • IC often find make more on own rather than as - employee on a salary. nm
      • Just as ;you dont withhold plumber taxes, MTSO - doesnt withhold IC taxes.Payoff is in independence
      • Works same way as a plumber. You are your boss, - not them, Can accept or reject work. nm
    • MTSO can say need coverage for Dr X, do you want - acct? You can say Yes or No. Still IC then. nm

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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.

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.

2 kids is $280.00/mo for medical only, additional $$ for dental, vision, and life insurance for other members besides DH.   Not sure how much company pays, but not much.  

NM

Could anyone one give the names of companies they work for with good health and dental coverage (individual plans) at an afforadable cost?  Any info given is appreciated.  I consider affordable as not too much more than $100 per month---80/20 plans okay, but prefer 100% coverage plans if they are out there with reasonable deductibles.  I know this is a tall order!  It can also be a noncompany plan, if anyone knows of a great insurance company plan outside of the job.  I am 45 and in good health, just borderline hypertensive (if there is such a thing---although it does make my rate go up).

Thanks!