high deductible for medical
Posted By: sm on 2005-11-09
In Reply to: Now, tell me about the insurance. I may sm - hmmm
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.
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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.
MDI-FL. thinking of applying. Is medical insurance still high? That is what has stopped me before
I cant remember what the cost was but it seemed to be be high for single and family coverage. Anyone know?
Isnt their family medical insurance kind of high. I think that is
why I passed on them previously and they only wanted to pay 7.5 cpl for 12 years of experience.
I'm high level 4, all acute care, high ESL, many years exp. and highest QA grades...
In case you are wondering...All acute care, all specialties. I request new accounts, and yet they all run out of work...not just during usual slow periods...
I'm original poster and a high level 4 as well with high ESL accts, which I've always had...sm
My accts (10+) for the previous 12 years were all in the LA area. I consider ESL at Webmedx easy, even though my WebmedX accts are supposed to be high ESL. ALL of my STMs accounts are low on work--quite low. I've added more accounts. Not helpful if all are low in work. My supervisor at MQ was more helpful than my Webmedx STM.
They are not MT, but general transcription. Pay not very high. at least not as high as MT work.x
x
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/
.
actually I need to clarify the deductible sm
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
$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!
I think a lot of the high $$ MTs
produce the lines, but not necessarily the quality. I know lots of MTs who never do any type of proofing before submitting work. I used to work with one high producer, but the quality of her work was horrible. This was several years ago and no spellchecker and no QA. She would never survive in this business now with the error rate she had.
I'm sure there are some quality MTs that can also produce a huge amount of lines because they learn to work smarter and can type like a demon.
you ARE on the high end of
the pay scale and congrads to you!
It is NOT high ESL, no more than
nm
High ESL
I just want to point out that being a Transcriptionist should include learning to deal with ESL dictation. Obviously you should be compensated fairly for that, but the truth is being able to decipher different dictation is what makes us more valuable than a machine.
VERY HIGH ESL when I was there . . .
I struggled to make counts because the dictators were so difficult. I have a lot of experience with ESL, too. I liked her thought she was very nice, but struggled really bad with the ESL load.
high and dry?
What do you mean by high and dry. I know for a fact that you have a lead for this account, a coordinator, LOTS of samples, QA people who are available every shift - and very helpful. That doesn't even make sense. You sound like a disgruntled individual.
DRC Insurance very high - sm
I was offered a position with DRC and would have taken it, but family health insurance coverage was something like $900 a month! There is no way I could pay that much and I needed the benefits.
Jo, I think you're going to be all right. You have a high sm
QA score and you are increasing your production consistently on a weekly basis. It takes such a long time for an MT to be able to sit down and transcribe whatever comes through the queue and make good money. This is very tough work, and we all learn every day. You have what sounds like great work habits, terrific quality, and a wonderful attitude. You'll do fine.
If you are a high producer (400+ lph) do you have to
even after you make your line count at Spheris?
She used to pay by the page and not very high. Don't know about now. nm
s
I have their insurance now and it is rather high...however, (sm)
they are in the process of changing their benefits package so I'm hoping for something with a lower rate. I have single coverage and pay about $400 a month currently. I'm kind of waiting to see how much the new insurance is going to be.
There is insurance. Some consider it too high but they are getting sm
new insurance that is supposed to be lower in cost but better coverage.
I have the insurance they offer now, which is Unicare, and have no problems with it. I took out the family plan, which cost me $610 a month, but the insurance through my DH's company would have been over $800, so I am not complaining.
Seems to be about right. Not high, but normal. Thx! nm
,
High turnover.......
I live in New Jersey and this is a not a good company to work for....read the old posts about this company in the Archives. Not a good company....
Very high turnover....
They always keep running the same ad every 3 weeks or so, so that should tell you something about them. I did not like testing for them at all, so I just gave up! Horrible dictators.
This is like in high school where
Why are these companies wanting to have initials for their names? Do they think it will make them more popular? For example, TTS, TT, MQ, KS..... There are others doing the same, and looks like this one that doesn't pay wants to be FST now so they sound more important and fly under the radar as Four Seasons known as a nonpayer. Professional to me equals proper name, and isn't that what the BOS preaches? Let's be professional insteady of like small children with little nicknames that are like baby talk!
High horse
You make some good points but the vast majority of MTs don't apply to your condescending e-mail. Glad I don't work for you. You find some poor employees in any industry, and the few bad apples in the MT business are not the reason work is being sent overseas where the work is even worse quality (but done with a smile - I give you that). Whatever - I will just be glad when this post has moved on to another page.
I thought that was high too
They have to process it all and mail us our vouchers anyway, why charge just to mail out a check? I prefer direct deposit myself anyway, but I have a friend who had her identity stolen and was advised to close all her accounts and not open anymore for a year. If she worked for this place she would have to pay $100 a month, just to get paid.
Come down off our high horse
I used to have excellent credit too until my husband lost his job and I had surgeries 9 months apart. There are circumstances that do cause people to lose their credit.
Maybe some bad luck should hit you and then you would understand how some of us feel!!!!
We have 1 account that is high ESL
Out of several acute care accounts, there is 1 account with a high percentage of ESLs. When hiring for that account, management also makes it very clear regarding the ESLs.
I have been there 2+ years and I still love my job. They treat us with the respect we deserve. They expect high quality and they audit 3% of our work monthly. The platform is great and exceed the line count every pay period. We don't have to mess around with the demographics unless the dictator puts in the wrong MR# and then all we do is put the name and correct MR# if dictated.
Ok, that helps! Is there high
turnover or are they acquiring a lot of new accounts?
Come Down Off Your High Horse!!!
It sounds like you have spent too much time at the beach listening to the waves and in the sun as your brain is fried. Who do you think you are talking to anyone this way???
I have a good job, make good money and I always have work but your attitude is just right down horrible.
Since you don't spend much time here, I think you should just probably stay totally away if this is the kind of attitude you bring when you do decide to be here.
I don't see you on a high horse...sm
I agree with you 200%
i am not the OP, but I am high level 4, and all of my 4 SM
accounts are in OT now. My account is considered 70% to 90% ESL. So that is just what I have experienced here lately. I suppose you are right about it depending on the level and worktypes that you can do. Definitely talk to the STM, as they are always willing to help you out if they can. Good luck!
What I said above was not high and mighty.
Maybe this is why you feel I'm high and mighty because you sound very childish or not educated. I did not post the above to be demoralizing; I was referring to any MT thinking work is their property when it is not. If you work for a company whether it be employee or IC, you are doing their work not your work. 
P/S: I'll ask my 14 year old son what does my bad mean? Maybe he can explain it to me because I am wondering if that is childish slang..
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