We used COBRA and my insurance, thank God. sm
Posted By: MT on 2006-01-17
In Reply to: A year without insurance????.... - Jane
I can't imagine either and he is a top-level engineer (over $130k) but we have heard that it is becoming the norm to wait 90-180 days. They did give him a stipend though to help with COBRA.
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
Insurance COBRA
Usually, you're given the chance to maintain insurance premiums on your own so that you won't have a gap in coverage. I've been issued a certificate of continuing coverage twice when I had to leave a job so that I would qualify for ongoing insurance of some kind. Check into COBRA rules on this with your present company. Congrats on new job.
Cobra
By law, if you have elected cobra coverage, and you have not received the paperwork, the insurance company has to carry you until you do receive the paperwork. I just went through this and I was very nervous because I have all kinds of health problems. The insuring agency said that paperwork was usually slow, but even if it was over 30 days, as long as you get your payment in when you do receive the paperwork, they can't drop you. A good place to check also is the National Association of the Self-Employed (NASE). They have all kinds of insurance plans. Best of luck to you!
COBRA
Can anyone out there give me any information on Cobra? There is just my husband and myself. Would it cover my husband?
Unemployment/COBRA
They said we should apply for unemployment asap but how can we do that if we are still working for them until 7/7?
Also, how much is unemployment usually? I've never been on it. I've heard it is about 66% of your usual pay? Is this correct?
Also... can you apply for Medicaid with unemployment? The COBRA rate is at least $540 for myself and my daughter. :(
COBRA - MEDICAID
Why do you need to apply for Medicaid along with Cobra? Did I understand this to be what you said?
Anyone having a problem getting Cobra through
nm
Unfortunately, no. The last job I had the COBRA was too expensive, so I did
not get it, and had about a 4-month lapse.
Does anybody know the rates for COBRA?
I am about to lose my health insurance since I cannot make the full time line requirements. Does anybody have a guess as to how much I would have to pay for COBRA for one person? Thanks in advance for any help! 
Cobra Rates
My paperwork states the coverage is available to you At the current group rates. Meaning, the total amount being paid both by yourself and your employer per month.
Need Cobra info
By law Spheris has to provide you with the information for Cobra. It sometimes takes several weeks to hear, if you think it has been to long....suck it up and call them...you are only hurting yourself by not getting the information for it. If it makes you feel better mention to the person you are talking to that you have a great new job and won't be needing the Cobra for that long. :-)
Cobra rates for TT. Anyone know? sm
Am leaving TT to take an in home customer service job for a local business. Definitely going to be worth it as it pays great money for me, PTO, vacation and full benefits. Would like to know if anyone has left TT and taken the Cobra? Looking to know the cost for just employee.
COBRA only available for 18 months...you MUST do forms...sm
don't get the paperwork in and they have no reason to carry you. With COBRA, all you do is stay on a group insurance plan and pay the full price. Not the best choice for price conscious medical insurance UNLESS you have ANY medical conditions. If you are completely healthy, (no hypertension, diabetes, basically any diagnosis, even neck pain) you can get individual. Think about a high deductible ($5000 yr) if you don't go to the doctor or maybe only go once a year. Then also check out a Health Savings Account (plenty of info on web and at government web sites). But COBRA is not an insurance. It is only allowing you to get in on a group plan at the group price but you pay it all, including what your employer was paying for you.
she's sweet as pie then spits like a cobra. RUN FAR AWAY.
xx
Mine ended at the end of the month, then COBRA took over. nm
Are employers required to offer Cobra?
nm
About 1-1/2 years ago, I paid almost $600/month for COBRA. sm
That was for medical, dental, vision, one person. Hope this helps. It is tremendously expensive, but it does get you by until you get something else.
Good luck! 
I just left. Need Cobra info. Lost the mail and wonder...
I am flailing financially but have a wonderful new job where I am treated like a human being and compensated for my dedication.
I cannot tell you so you'd understand how much more happy I am now. But, I have no insurance and have a preexisting so I lost my mail and can't gather the strength to call and talk with the staff who suddenly sound so distant. Blah
Without Naming Company, Does anyone know cost of COBRA for out-of-state employees?
x
401k funds are protected by govt insurance similar to the insurance
that banks have (FDIC). It is safe even if the company goes under.
The insurance cost is double for Transcend but insurance probably doesn't factor in for her.
I have heard more good things about Axolotl than Transcend, although it seems Axolotl may be less flexible with your schedule and someone told me that QA was pretty strict, which should not matter either if you have worked for a hospital and know what your QA score is.
The insurance plan in my opinion is excellent insurance. I am not sure if it will change when it'
time to renew or not. I really hope not but I know that a lot of companies change every year in an effort to keep costs down because most insurance companies start raising rates after you have been with them a year. The insurance is Great West and they also have excellent dental and vision plans. I believe the cost is less than $70 a pay period for the employee.
Insurance sucks compared to my old insurance... sm
The insurance seems like they don't want to cover anything, even simple prescriptions I used to pay 4 or 10 dollars on I now pay 20 to 43 dollars. I like the company/people so far, just don't like the insurance.
Insurance Questions: Can you tell me what you pay for insurance through your
MTSO, which MTSO it is and whether the coverage is decent? I currently pay $92.00 a pay period for decent coverage but am trying to figure out if I am getting a good deal or if I could do better elsewhere.
TIA.
insurance sm
You may be better off going directly to the source, so to speak. I do not have the insurance, but I have seen the rates, and they are reasonable, even affordable! I believe it's through either Blue Cross or UHC, or it may be both, you get to choose. Anyways, I do get the eye insurance for my family, which is at no cost to me. As I said before, your best source is to ask MQ itself. Good luck, and don't count MQ out just because of all of the negative posts on this board! I'm very happy w/them, and have been for over four years now!
MQ insurance
I don't know if it's still the same, but when I worked for MQ, I cancelled my insurance and went to IC status when the family coverage went up to $900/month. I asked them how could that be with the largest transcription company in the world, and they claimed it was based on the area I lived in.
Insurance
They don't let you go, they make you a statutory employee. If they let you go, then they would put themselves in a situation to where they may have to pay unemployment. If they move you to statutory and take all your benefits, then they don't have to pay your insurance or PTO days. Working off the clock is just free labor for them. So basically, it is going to benefit them either way.
insurance
I carry myself and my husband and it costs me between $30 and $40 monthly. This is for an HMO. I think they told me the PPO was between $80 and 120 monthly, but the HMO had more providers in my area so I went with it. There were several choices between HMO and PPO. Like I said before, this will vary depending on which hospital. I work for a hospital in PA. I'm not sure about details for the Florida hospitals.
For the insurance directly through Diskriter (if you work for them directly), I think they quoted me around $300 a month for two people.
PT Insurance
There is a company in WI who offers insurance at 30 or 32 hours a week. For the life of me I can't remember the name but out of Waukesha, WI. Hopefully someone can jump in and give you the name.
PT Insurance
I keep wondering why more companies don't offer an option like the hospitals where you pay a little more as PT, but can at least obtain insurance as part of their group. Or for that matter, why AAMT cannot offer a group option for insurance for all the ICs, etc.
insurance
You get to choose full time with benefits, full time with limited benefits, or part time.
Now, tell me about the insurance. I may sm
still look into this.Thanks!
insurance
Check with IRBA on the internet. It is a group for small business owners and then you get a group rate. You join IRBA and then there are different insurance companies.
insurance
I checked into the self employed insurance (Mega Life) and the deductibles are high -- which I could tolerate -- but if you go into the hospital the deductible must be met for each occurence. So if you have two surgeries -- I broke my leg and had surgery for placement of a rod and plate, etc. Ten months later it comes out -- deductible for each has to be met. I have worked insurance also and their plan is hard to understand what each covers. You pay for your basic and add on -- chemotherapy, outpatient labs, etc. I went with a high deductible but where I put money in a tax free account to pay the deductible should I need it. I am self employed so it works for me. Most of the docs I type for give me free office visits and labs done in their office as well as prescrition samples. But then have only been to the doctor three times in the past 3 years. But do a search for medical insurance and you will get a lot of info. But with the difference of over $200 for a $2000 deductible, I saved that in a year and like I said it is pre tax account.
Patti
insurance
Poster below gave you good info - WMX probably has best, most affordable ins. of all MTSOs.
I know several IC's, over 50, with no insurance. SM
They rave to me about all the money they make, however, they cannot afford to see a doctor and rarely do, one goes to hospital when they run those studies.
Yeah, they make more than I do, but you cannot enjoy the money if your are dead.
Sorry, like I said, this rant is directed at older (over 40) IC's.
Insurance sm
I am over 50 and have insurance through AARP - 118.50 per month. I also have an arrangement with my personal physician to pay cash at a much lower price than he would normally charge for someone with insurance. Also, because I am IC, I have multiple tax deductions that lowers my income so that I can qualify for cheap drugs, free mammograms, etc. I also have additional accident coverage in case I am in an accident or fall or something that would be more than my AARP insurance coverage. This has worked well for me for about 13 years. Most disease can be prevented and if you take care of yourself, you are unlikely to have an emergency.
insurance
Why can't people just pay for their own insurance? IF you make good money it is affordable.
insurance
After changing jobs and realizing I couldnt'afford the new company's insurance, my husband and I attempted to buy our own insurance. Guess what, no reputable health insurance company in our state would even accept us at any price because of our physical condition. They only want you if you're young and/or healthy. So buying your own insurance is not always an option. I would advise anyone to go ahead and buy their own insurance before they get too old or in too bad of health and not count on any company's insurance, because if you lose it, you won't have any. At least that's been my experience.
insurance
please tell us what website to go to.
Insurance
If you find someone that gives good insurance coverage the pay usually goes down. We need to something about these insurance rates as no one is getting rich but the insurance companies.
It's not so much about the insurance -
I believe that by law (?) new insurance cannot turn preexisting claims if you have proof of creditable coverage from your prior carrier without a lapse of more than 63(?) days. If you were not so previously covered, I think some companies do make you wait a certain amount of time before they cover you for preexisting.
MW has excellent insurance through United. I suggest you either give your recruiter a call and ask (they usually don't mind giving you specifics as this is as much compensation as money is) and/or look up United Health care on line to see if there are any leads. Good luck to you.
OSi insurance
Are you talking about Opti-Script, Inc., or Outsourcing Solutions? Both have the same logo. If Opti-Script in State College, PA, please give me a call at 814.404.8805. Additionally, we are recruiting for full- and part-time employee MT positions, If interested, please give me a call.
Sharon B. Allred, CMT, FAAMT
Opti-Script, Inc.
Director of Staff Development & Special Projects
sallred@opti-script.com
insurance
blame it on the republicans
Insurance
Sure, be glad to share. Webmedx had fabulous insurance coverage. I just got the info this week and jumped on it. The best I have seen in the industry yet! They are worth checking out!
Insurance
For myself and 2 kids I pay $400 per month. I'm in Florida, and this is for the PPO plan. (United) It has been good for us. I had surgery last year and had no unexpected expenses from it at all. The plans and rates vary as to where you live, but they are similar all around.
Insurance
I don't remember their insurance rates as I did not need coverage through them. They do have 3 plans to choose from with different rates. Pay is average, maybe slightly better. They do request you stick to a schedule, require weekends and 3 holidays a year.
INSURANCE
Can anyone give me some information on this company's benefits? Thanks.
insurance
anyone willing to share the name of the insurance company Transtech offers? I wanted to look up their website. Thank you!
E & O Insurance
I paid about $300 for a year.
E & O insurance
Are all MT companies now requiring E & O insurance? Is it required if you are an MTE? Where can you purchase an E & O policy other than AAMT and what are the premiums running? Thanks for the info.
changes in insurance
Again, it is too soon to tell if the new insurance will be of much help to me. Yes, I am under 35 but not by much.
If I ONLY have a few sick visits and 1 monthly prescription, it MIGHT be decent.
|
