Yellow flame

• Yellow flame - pk
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phone book and call agents that offer health insurance.  Make several calls.  I did this when we needed private insurance and each call I made I got a lower premium, although every company had the very same insurance.  Celtic is what we found to be the lowest.  We no longer have this insurance as we have insurance through DH job, but we had no existing conditions, no regular meds, nonsmokers, so I'm not sure if these were covered.   I'd keep calling about COBRA.  The company has to offer it.   If you go 45 days without insurance and have a pre-existing condition you are in trouble, unless things have changed since we got insurance.  There is a temporary insurance through Fortis that is very cheap, but the deductible is very high and it doesn't cover pre-existing conditions.

I'd stay away from the association for the self-employed or whatever it is called.  When I called them their rates were double what I could get a private policy for and it was the same insurance.  

It's free yellow pages.  Look under transcription and there might be companies in your area that you can contact.  Not all of us pay to advertise (I'm not hiring employees because I'm just a small company) and you might just find a nice small local company who could use you.

If you're near a large city, look in the phone book.  My suggestion is to try a smaller local MTSO rather than go with the larger companies.  You'll probably find the working conditions, terms and cpl amount a lot better.  :)

book and call insurance companies that offer health insurance.  Call several.  I called 6 companies when I was looking and all the quotes were for the very same insurance, but varied as much as $200/mo.   Celtic was the best insurance.  For a family of 4, nonsmokers it was about $335/mo.   We don't have the insurance now as we have through DH job.  I can't remember if that included dental/vision/maternity coverage.   There is also a temporary insurance through Fortis, that depending on what state you live in is good for 1 year.  It is not renewable and you cannot get it if you have a pre-existing condition, or have been without coverage for a certain time period, can't remember but I think it is 15 days.   We could only get it for 6 months in our state and I paid the premium for the entire coverage and it was $403.00 total for the entire 6 months.  The deductible was $5,000.  This was basically catastrophic insurance, did not cover dental/vision/maternity.   We are all healthy and on no meds so for us it was the best option.    You can check e-insurance website and get some quotes to get an idea of coverage available, though it will not likely have everything that is available included, which is why I suggest calling local agencies.   There is a self-employed organization that offers insurance, but I found to be very expensive, about what you are paying now.  

Check into medical savings accounts.  I don't know that much about them, but I believe you have to qualify for them.   You basically put $$ into an account much like an IRA and get tax breaks.

Thank you for mentioning things in your latest post that you left out of your first.  See how easily one can jump to conclusions?

For what it is worth, I ran my own daycare for 10 years.  I know EXACTLY what it is like to be the one responsible for every aspect of running a business day in and day out, when people don't show up or go to lunch and don't come back, having to meet laws from varies state agencies that are contrary to one another and smile the whole time.  I've started work at 5 in the morning and finished at 9 at night (while trying to raise my own two young children).  I know what it is like to cook for 95 kids EVERY day for a year because I couldn't keep good help.  I know that until I converted all my private investment into a nonprofit organization, I could not achieve the success with my business that I was able to do.  Imagine working for 10 years and having NOTHING left of it but a good reputation, no retirement plan, no assests, nada, because the effects you left on people and the benefits you offered were worth all of it.  Would you be willing to do that?  Not many would, I bet.

When you want to yell at me some more and show your true colors, you will turn away the good MTs whom you were trying to entice in your original post.  See how easy it was to fly off the handle.

I do wish your business well, but I stand by what I said.  I save you money by working from home and doing what I do.  Every year I get devalued by the onslaught of forces I cannot control.  If you want to toot your own horn, I would suggest a marketing consultation next time.

Peace.