We have insurance through my husband's company and this year
Posted By: me on 2008-01-21
In Reply to: I am trying not to pass out as well, but (sm) - Smelling salts please
our premium was only raised $3.00 and our benefits were improved.
If you have pre-existing conditions you don't have lots of options, but there are lots of other options available otherwise.
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 like the insurance they have now. It is cheaper than the one that my husband's company has. s
They have been trying to get new insurance for over a year but do not have the participation requirement filled, as they have let everyone know. However, I spoke to a manager who told me that the one that they have been working on since December looks good, just taking longer than expected as they keep asking questions.
I have insurance through them. It is Unicare. It is less than what my husband's company charges
It is high though, $487 per month for myself, my husband and 2 kids. DH's job wanted $940 per month.
High insurance costs are a national problem, not just in MT. My husband's company sm
charges us $210.00 per paycheck for him, me and our 2 children. The deductible is $500, each visit costs us $25, prescriptions are $10 for generic and $25 for everything else. It is getting crazy everywhere.
I have insurance through my husband.
I like being an IC too, but when you have your own accounts, it is tough to take time off. Plus, you have to be really regimented about working. It is very easy to get distracted. When you have doctors counting on you, then you just do what needs to be done and the money rolls in. I have a big problem at this point being told to work set hours and do a set amount of lines or minutes, so I tend to like IC work! True IC work with a company online is hard to find though. Most of these companies want you to COMMIT to certain hours or certain minutes of dictation or certain lines per day, which in my personal opinion is not truly IC work. Just my 2 cents.
Insurance is no cost at all to my husband
and me thru teamsters, $20.00 copay when going to the doctor, PTO. That is the good part- now the bad- if he should die before me, no insurance for me. Well, since I am 10 years older, will possibly have Medicare before him, who knows??
I already have insurance through my husband's job, so I didn't need it.
NM
I was told the new one will be less than $200/month. My husband's insurance is horrible and $800
nm
With all due respect, with your husband making $100,000 a year, you may not need a response. sm
Your kids aren't carrying the weight of a household on their shoulders. A lot of MTs are in a position where they are the sole breadwinner, single moms. Nationals run out of work, offshore. Hospitals offshore or go to nationals. Things happen fast. Makes people desperate and edgy. Please have some compassion. I am not in this situation myself, but I empathize. With all the automation these days, truly how difficult is it for a recruiter/company to pop out an email saying the candidate did not qualify, etc.? 
Well, my husband has worked for the same company for sm
over 25 years and still only makes $11.75/hr. Try living below your means on that! It takes all of his income plus mine as an MT to even make ends meet. As for Dave Ramsey, he has some good points, but saving any kind of money on our income is practically impossible. And, as for giving up extras, like new cars, etc., we dont have any of those things either. We cant even go out to dinner once a month. Things have gotten very bad. No raises, but higher bills.
Okay, I'm done complaining now. Off the soap box!
The coverage for myself, husband and 2 daughters through his company is $762 a month. sm
My sister pays $480 for herself and her teenage daughter at a national MTSO (not Keystrokes).
I think it is going up everywhere. Maybe the Clintons were right.
A year without insurance????....
That may be, however, I know I have seen MT companies advertise that their benefits start from day 1.....I just cannot remember who they were:) In this day and age, I would not consider going without insurance for 90 days, let alone a year! Your situation was probably different, but that's where I would be in my current situation.
Anyone know whether Transcend is keeping the same insurance this year or changing?
thanks 
I couldn't wait to sign up for the insurance this year...
It was going to be cheaper than what we are paying now. Then I got the payment sheet and I was really disappointed. The rates are almost double as last year's rates.
The insurance I have now is cheaper even though their deductible is quite high and they don't pay for ER coverage. After finally talking my husband into going under TT's insurance (that alone took almost a year to convince him), now I have to tell him we're staying where we're at now....unless TT does find a better plan.
I will be waiting [im]patiently to see what they come up with.
If you know who the insurance company
is, contact them. If that is who you have been calling, contact HR at your company. SOmetimes it does take a while to get the cards, as long as you have the information on the insurance company you can give to treating facility, if you need it, you should be covered.
Anyone know what company OSI's health insurance is through?
TIA
Insurance question. The company SM
I now work for has something called consumer driven insurance.
I would like to know the names of MT companies that offer HMO or PPO. I do not care what the premiums are; just if they offer regular health insurance and not the above-mentioned type.
Please help. Thank you.
Just dealt with that with my insurance company
Makes me insane!! Health insurance issues are pretty important to me, especially when the bills are a couple thousand dollars. It would be nice to be able to understand what they are saying and be understood!
AAMT Company of the Year
Considering that Heartland was so honored (?) a few years ago, I wouldn't put my clicking finger to my mouse to go to the AAMT web site to find out who it is this year.
I got out of that junk company a year ago - SM
Best move I made in my career! I was with Cymed before they became SPI. I left last February and went to Keystrokes. I'm more than glad that I did! They were still calling me almost every week up until August asking me why I wasn't working! What a bunch of idiots!
My company sent us E-CARDS this year. sm
They were too cheap to spring for a an actual paper holiday card with postage.
A freaking email card. Yeah, no gift card attached to that baby, either.
Looking for a company with affordable health insurance.
Anybody work for Proscript or DSG, can you tell me how much you pay for husband and wife coverage? Thanks so much.
Great company and they pay employee insurance. nm
x
Need a company that takes out taxes and has insurance
I can't be an independent contractor because my husband is self employed. One of us needs to pay for taxes and insurance. Anybody know of some companies that do this that I could check out?
Oh really? What company do they carry their insurance with? Thinking of applying there.
nm
Anyone know of a GOOD company with affordable health insurance?
Hi. I am a 14+ year MT. I love the company I am with but they offer NO benefits whatsoever. Does anyone know of a company that is looking for a dependable MT that offers reasonably priced health insurance and would give at least 9-1/2 cents a line (which is what I am getting now). Any help would be greatly appreciated. THANK YOU!
We all had to call in to the new insurance company last week. I was told that it will be sm
around $250 per single and that KS will be picking up a large portion.
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.
When you leave a company, is your insurance canceled immediately?
I'm assuming I'll still be getting my premium taken out of my check up to the end, so does the insurance go til the end of the month? Want to make sure my daughter's dentist visit in Oct is covered, and 2 weeks notice would put me into October but I wonder if I should wait until after her appt for my last day. Does anyone know?
Oh yeah.... I got a new job!!! I got a new job!!!
   
How is it that in less than 1 year Medware goes from the best company to work for to the worst?
Let's hope AAMT does a better job of picking the next company of the year!
Still not great PTO for first year. I get 12 days at current company. NM
NM
This year they chose one that really is a good company to work for. nm
nm
Sorry..I meant to say I called into the insurance company but forgot to ask about rates! (nm)
Survey - What type of medical insurance does your company offer?
Just curious about which company you work for and what type of medical insurance they offer. HMO, PPO? Cheap or expensive for you?
Does any company offer insurance to part'time employees? nm
xxx
There was a lot of trouble with this company earlier this year - see archives -- Mediscript
How did you find out about them?
My company only acknowledges 6 holidays per year, and Easter isn't one of them, so no extra pay.
x
Seeking company that offers good benefits including insurance.
Ideally, I'd like to find a company that offers medical insurance at a reasonable cost for family (under $500 a month) and a decent line count rate. Anyone have any ideas on this. Thanks.
Gosh..does this company start with an F. In any event, you need to double check with your insurance
provider to see the exact date the policy was cancelled. Sometimes, companies have to pay preminums ahead of time. I would just make sure and if they are still taking the money out, you need to send a certified letter telling them to return your money at the point you were paid up and the policy cancelled or reinstate the insurance. Why pay for something your not getting.
I worked for them a year or so ago. Good company. Owners a little quirky at times, but set sm..
set accounts so can build speed with repetition. Pay on time and treat you very decent.
Is it safe to ask a company after one year for a raise? Do companies give raises?
Curious
my first year I made 16k. Doubled that second year. Going on year 6 with (sm)
two local accounts I earned 23,000.00 and a national I earned 35,400... 58,400 this year. Don't ask me how many hours, though, I really have no idea. I'm pretty motivated. (When people ask me how many hours I work a week I reply as many as it takes I'd say 40-50/week. I am also a fitness instructer and personal trainer, about 5 hours a week or so. Decent money (sometimes under the table!) but mostly I just do it for fun and to be social and wear cute work-out clothes.
that first year was a rough one... but I consider it part of my education.
I'm pretty motivated.
Me and my husband
are both independents. We went to a health savings account. We pay approximately $350 a month with a deductible of $5000. This sounds like a lot - but it was cheaper in the long run, compared to higher monthly premiums. Right now we visit the doctor very infrequently, I am more worried about one of us landing in the hospital as we get older. THAT I want covered.
Then L's husband perhaps?
I thought she owned, maybe her husband but no problem, still love working there.
Yes I will. My husband may be going
up that way in a couple of weeks - I may have him peek in on that company and give me a first impression thought.
What does what her husband makes have anything
to do with anything?
My husband is in sales...sm
He is in sales, plus makes an hourly rate. He is considered full-time and the healthcare takes a chunk from his pay, but is well worth it for our family of four with two children under 12 years of age. I'm so glad he gets commission checks once a month. Before this though, I was the breadwinner working a full-time job plus 3-5 extras at home, he was taking care of the kids and working part-time. This arrangement we currently have works out great as I'm home all of the time, but sometimes I do get lonely. I love this message board!
wow, they sure must take a lot out of your husband's check! SM
because with self-employment taxes, etc., it's in the 30+% range!!!! I don't think I have ever known an IC who didn't have to pay taxes. What is your secret???
My husband was sued for this
by a previous employer (not transcription) after he quit his job and took a job with a competing company with better bennys and $. It was a route/delivery type job. He did sign a non-compete contract, but the judge denied their suite saying the company does not have a right to prevent a person for making a living. It was determined he was working an already established route and was not approaching the first company's clients, and therefore was not in violation. Of course every contract is different, but I can't imagine they can keep you from working.
How much is it for a wife and husband??? nm
Thanks
Same here. My husband wanted to help me out
and encouraged me to try it, but I definitely could type faster.. Just could not stand being so slow...like with my crazy slow dial-up I'm stuck with, drives me NUTS!
My husband is a retired
truck driver. The truck driving industry seems to have gone the way of the MT business. I wish you well though. Sometimes I'm glad I'm old and really don't have to work anymore if I don't want to. Gonna go paint my gourds!!
|
