actually I need to clarify the deductible sm
Posted By: MT30+ on 2009-04-28
In Reply to: That's awful. Something needs to be done about - insurance in this country.
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
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
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/
.
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
Large deductible and everything out of pocket.
xx
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
x
MTSOs with insurance deductible 1000 or less? nm
x
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!
Actually .. let me clarify ... lol
They call it Statutory Employee and in describing it (in the contract) stated that "...because a statutory employee works as an independent contractor..." -- so that is where I was getting the IC. Sorry for the confusion on my part.
Can you clarify?
I don't understand what you mean by "in the office." The only people "in the office" are techies, some senior management types (but not even all of those), payroll in Pitts, etc.
I'm thinking through all of the "supervisors" (MT supervisors) and they all work from home. Sorry to hear that you've had a bad experience, but know that they DO have some really good transcription supervisors, and that it's totally an incorrect generalization that a 'bad one' will "be supervising you."
And, no, I don't work at Webmedx any more. Used to, knew all of the supes very well and worked with them daily. I saw how they dealt with their MTs. All had their strengths and weaknesses.
Try to not generalize in such a negative fashion, okay? If you have issues, speak directly with the supervisor, or at least say "I have worked with a couple, I didn't enjoy the experience, but I can't speak for every supervisor there." Post responsibly.
I can feel the flames already!
to clarify
I realized when I re-read my post, it might have come across as catty. Didn't mean for it to. I think we're all going to be forced to go with the program or be out of work. It's a shame, but with so many companies going with it, it's either enter a different field (and there are no guarantees anywhere these days) or live with it. I really don't think the politicians on either side are going to fix things anytime soon. Too much money involved.
Just to clarify again...
Employees are statutory, not IC.
Pay during training is for the lines that you complete during training; there is no hourly training pay or anything like that. You may start at a lower rate and then increase within a couple of months. You would have to talk to the recruiter about this. They kind of do everything on a case-by-case basis rather than have blanket policies as far as pay rates go.
I would clarify that as well...sm
I would be difficult for you to keep up with keystroke count if they are limiting what Keystrokes are. Where I work, everything is a keystroke, even the demographics we fill in, spaces, and headers, if we have to add them in. At the 0.001575 rate, you'd be making good money. It's always better to ask questions and clarify what's covered as a keystroke, what's not, and what the daily and pay period quotas are, so if you think it's realistic enough to achieve. Where I work is very fair with that. Once you understand the formula, figuring your paycheck out is easily done.
just to clarify
I have a hard time feeling sorry for someone who fraudulently receives unemployment benefits while working. Two wrongs don't make a right. I've had a real rough past few years here trying to recover from Medquist, but I'm proud to say I have been honest in all my dealings on my end. I work hard and if the company doesn't work, for whatever reason, I move on. Everyone should realize by now that THE ACCOUNT MEANS EVERYTHING. Not the company. Not the line rate. Not the communications. If you are on a crappy account, you won't make money. You can have a low line rate with a great account and make great money. You can have poor communications with a great account and it doesn't make a difference because everything on the account is crystal clear and you don't have to ask for clarification. You unhappy Keystrokers got the bad account. You happy ones have good accounts. Simple. Keystrokes probably should unload the bad account, but does any company ever actually do that? I don't know the answer to that.
could you clarify this a little more for me, please?
Now, my production put me making the same as full-time in each one but I was officially part-time in each company
Do you mean you were able to produce full time work in parttime hours at both jobs? I thing I'm going brain dead from job hunting and working. Forgive me if I am sounding dense here.
Let me clarify
My figure is based on the fact that Keystrokes does appear to hire MTs that can work independently and are very experienced. Also, compared this with others on the same platform. That could also factor in, so you have a good point as far as platform, differences, etc.
to clarify
They don't really give you holidays off. You can choose to take the holiday off but you have to use your PTO time to cover it.
Let me clarify, since you all don't get it..sm
FLEXIBLE is that I will LEARN and WORK on MANY accounts so that I have plenty of what I want to do! So many will have a primary account and only one secondary. I have TWO primaries and TWO secondaries, and I work all of them in any given week. They are all different with regard to formatting and rules.
Considering that this is FOUR sets of rules, not one or two...considering that this is HUNDREDS and HUNDREDS of dictators...and every single specialty that has anything to do with surgery...yup that is bending over backwards because MOST of you would never try it, let alone be able to do it! It is also flexibility because I AM willing to work extra hard to learn my accounts and get it right even if I have not seen that account in a week. Because I can be asked to work on XYZ account at the drop of a hat and manage it, you bet they appreciate me and you can bet I appreciate the fact that this is a two-way street.
I know about a lot of you out there. I have worked other places and I am the MT who ends up cleaning up after you. I do the doctors you won't, I pitch in on my days off because you don't make your line counts or don't show up or didn't work your entire shift. This is NOT every MT but believe me I have seen it all.
I get tired of being accused of not working very hard, of selling myself short working for TT and I am rather offended that I am accused of not being a very good MT. I have been the punching bag for people who are not bright enough to understand my meaning and I am left wondering just how it is that such people call themselves MTs, let alone human beings. I have also been accused of lying because I am here and claim to make my line counts. What, are you jealous that between my 2 jobs I have racked 42,000 lines so far this month and it isn't over yet AND I was here?
Well ladies and I use that term loosely, I am GONE. You are a jealous, rude, nasty group of women and I don't care to be associated with you any longer.
and to clarify
there is a difference on these boards between OSi and OSI, 2 different companies
Pls clarify, OSI or OSi..
These are 2 different companies... OSi is one, OSi is another. OSI, who knows where they are... OSi is in PA....
Let me clarify
that I in no way mean to cast MDI in a poor light or deter anyone from considering working with MDI. I am still with them because I think they ARE such a great company, and intend to stay with them for a long time, and I think this work lull will pass soon. I really don't think the lull is MDI's fault, and I think they have been trying to juggle people so everyone can get some work. I am here because I think they are a great company to work for, I love my liaisons, love my schedule, etc. This lull has not been the norm in past years, not that I recall, so it has been a surprise to me. The fact remains that it has been very REAL on my accounts, and very frustrating, and my paychecks have taken the hit to prove it, at a bad time with the crappy economy and soaring gas prices. So it really irked me to have someone state that it was nonsense and imply that it never happened/isn't happening.
Can you clarify
I don't understand ... do I literally type what you have typed here? - then went to start-run-type in cmd- and when it comes up type ping *space* www.google.com ?
Thanks for further claification. :)
Oh please let me clarify,
I am not questioning their line count, only my own ability on most days to achieve it.
Please, let me clarify.
I totally agree with you, but it is getting harder and harder to find non-VR jobs. If MTs have to do VR, then the only option may be to become as proficient as possible just to survive. I recently found a job doing staight typing because found VR to be a losing proposition. Being paid considerably less to make a sometimes totally worthless VR program look good is not my idea of a good time.
Sorry, could you clarify?
Is it a 3-cent per line cut or is it a cut TO 3 cpl?
Just to clarify
I'm not looking. I read here and see so many people unable to find secure, satisfactory employment, and I was wondering where they were getting their job leads from.
The ads on here seem to be recycled weekly so that sort of lets you know that those companies have a pretty active turn-over.
Thanks for the reply tho and sorry I didn't expand the purpose of my question.
Can you clarify
Do you mean pre-made normals coming from the facility/doctor, or normals made by the MT in the expander.
I get paid for both now. Not concerned too much about not getting paid for their normals, but certainly would want to get paid for mine. I can still do 350+ straight typing with my expanders.
Please clarify
Are you saying if we don't catch all the errors (as in correcting everything), we shouldn't be an MT or are you saying we should just accept gobbledy-gook word salad from VR and be happy to deal with it?
I agree with the catching errors, but not with the expectation that every report will be a piece of garbage to be cleaned up and I should be happy to clean it, ectstatic to get 1/3 or 1/2 the pay or I shouldn't be an MT. No, no, can't agree there.
To clarify...
To clarify how the fraudulent resignation worked is this. Everyone who works on the account I do knows my first name, last name, and my email address just as I know theirs, as we are sent it along with each and every email we receive from management's cc's. Therefore, the person created an account with yahoo, as that is where my account is, the person then, knowing my first name and last name, created it to be showing on the outgoing from line. The person then used my exact email address, but simply left off one number at the end. I have to say, when the team leader emailed a screen shot of my supposed resignation that she received from the account manager, I sat her scratching my head and staring at it, I knew it was not from me and then of course it wasn't from me, as it wasn't my email address and it showed first and last name on the from line, which I only use my first name on the from line. Hope this clarifies on how anyone can be a victim of fraud, it is very easy to do once you know the person's name and email address. Point is, when the company is made aware by me that is not my email address nor did I send in a 2 weeks resignation, why would they choose to accept it? I can only come up with one reason, they wanted me out!
Sorry-to clarify-$80 or more PER DAY - sm
for that particular day to get calculated into UE benefit eligibility.
Perhaps I should clarify
I asked the question (riddle) to make a point, not to challenge people to say where they shop or don't shop.
In other words, if the shoe doesn't fit you don't need to defend yourself. And if it DOES fit, you still don't need to defend yourself.
I was merely pointing out that the whole issue is VERY complex - trying to give examples, etc.
P.S. When I speak to customer service, if the PERSON on the other end of the phone can help me, I don't refuse to let them do so merely because they are Indian ?? If you want to hate something, I strongly encourage you to direct that passion toward the laws your Congressmen and women have enacted which have created this horrible system we are experiencing.
Maybe I should clarify. I went to work for them when they were a
small company and there was a personal touch. If I had wanted to be a number, I could have gone to a larger national. I have to say that I do run out of work and my unknowing team leader has no clue as to which account I should switch to if my secondary accounut is out of work, too. As I said, I just consider running out of work as an "early out" for the day and take a walk in the park or go to a movie.
Please clarify... see message
Okay, if SM means small message and if LM means long message, how small should a message be to qualify as a small message... and how many words would constitute a long message? And is there a word-count program I can download to be sure I'm not going over the allotment for a short message?
And should I count only the WORDS, or the words AND the spaces?
TIA!
Please clarify one thing.
You posted on the Voice Recognition that you've been working with the VR program since July 2005, have doubled your production and are completely happy with Transcend.
So what you're really saying is you doubled your production and were basically able to maintain the income you made transcribing, instead of earning more money, right?
If so, what's so great about that? 
RE: Please clarify one thing
I learned a new skill-set, and did not lose anything income wise, so I still earn what I need to make myself happy (money-wise).
clarify about "me"
Let me clarify in the above post, when I said I see me saying rude stuff, I meant the person with the initials me. Not me myself
Please clarify-Shapin (or someone associated with them) said
My goodness, and you jumped at it or away from it? Plenty of companies without outsourced dictation out there with benefits where an experienced, good MT can make that in half that amount of time. With a company representative admitting they offer low pay, why would I elect to work for Shapin. I'm smart enough to know how things work and can multitask more than one company to optimize my income and benefit potential.
Tisk, tisk.
Please clarify about IC and lines in a day
I am an IC - I contract for a company who is specifically requiring a certain amount of lines in a day. Is this legal? I thought as an IC that I can't be told how much to type.
|
