what do you do for insurance with 3 children?
Posted By: Piedmont on 2007-12-18
In Reply to: Pros and cons list - MDIer
Nm
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Children's Health Insurance Program
You didn't say whether you needed the insurance primarily for yourself or for your child. If the need is primarily for your child, please look into your state's Children's Health Insurance Program or CHIP. This is for children in families that earn too much to be eligible for Medicaid but cannot obtain or afford health insurance for their children. In Illinois, the program is called All Kids, and the governor is actively trying to get the word out, since many people don't know about the program at all or assume it is part of Medicaid and requires you to be in dire poverty which is not true.
You must not have children. sm
Would you actually turn down a job that paid $14 an hour and have your family starve. Some people think $14 an hour is really good. I do, however, think this is a low wage for QA; I just think one should really think about what they are saying before posting it. If someone is incapable of transcribing anymore and has a family to feed, then they may have to take $14.00; especially, where I live, there are not many jobs that pay that!!! even hard labor, factory, shift jobs The average wage in my town is about $12.00
Yes I have children that I raised alone
and the last one grew up and left in 1994. Back then people did not take junk pay for work. They refused it and back then we got what we asked. Maybe you were not a QA person then (neither was I BTW), but when I decided to go for it, I got still only half what I earned as an MT with over 25 years of acute care experience, any work type. It's not the average wage in your town. It is national and I find that no matter who you work for, you can get a decent wage...well almost...if it weren't for you who take less money. It was easier two years ago.
It's all in how you learn to negotiate.
Please rethink that $14 and not a penny less than $15 bottom cuz if you do take $14, that makes them think the wage is ok.
I am on your side, but please think hard about this.
Say what you will...our children will be running
that nursing home you'll be in some day. Better to treat them well and take care of them now than to wish you did later. By the way...I'm guessing you have a dog or cat instead of kids?
If you're old, have no SO, and have no children go
for it. If you have children, are married or hope to be one day no way. You can probably manage for a few weeks before everything starts falling apart, your house is a mess, you're eating at your desk, you start yelling at anyone who dares speak to you because you're working.
Also, taxes will kill you. I've worked lots of OT, 2 jobs, and taxes took a big chunk and for what I went through I didn't have much to show for it.
You could do second job as a trial and maybe you'd like to quit job #1 or maybe you decide you don't like job #2 and you've BTDT and got it out of your system.
I hope you don't have any children - you
certainly set a bad example for their future.
Unless you have small children SM
at home and really don't want to put them in daycare, PLEASE consider a different field. Transcription is drying up in the US. There is no future in it. Find a career that cannot be outsourced.
Are you really mother to 6 children?
nm
Go for it! Children love being with
other children if you have to put them in day care. I raised 3 boys but only 1 went to daycare. He turned out to be the most social person I have ever met. The other 2, well, they are nice kids, but don't really know how to socialize that well. I worked from home for 20 years and it was tought. It will also give you some free time from the kids that is desperately needed nowadays.
You have to think about the future, not the present. Don't listen to the naysayers in these messages. Think about the future of your family.
It's unfair to say it's only people with children.
I think the above poster is correct that it's the perception that you can work when you want to that has caused this, not just people who have kids. I have a transcription service and some of the worst offenders don't have any children at all. Even in the real world I always saved my vacation days, etc. to use for my children's school events or whatever and took time off for my kids because they are my no. 1 priority. That has never interfered with my fulfillment of my job duties, even when I worked outside of the home.
I've hired anywhere from someone straight out of school to older people nearing retirement age and some of my best ICs were mothers. Some of my worst included one gal who wanted to party every night of the week and couldn't work the next day with a hangover, an older lady who got tired earlier in the day than she thought she would so she had to stop work early, and yet another lady who had marital problems and used an argument with her hubby as her excuse not to work on any given day. I can give more examples, none of which involve kids. Most of the women with kids did well because they knew how to organize their time, worked when kids were asleep or at school since they knew it was their only chance to get it done, and they were adept at multitasking.
What you are really seeing is a lack of work ethic in general, in all different professions. So many want to get rich right now but they don't want to have to work to do so. We live in a drive-thru, high-speed society and everyone wants everything RIGHT NOW with the least amount of effort possible.
Geez, nothing like that for me. I have employee+children
nm
I love my children but having a child does not mean
everything is honey and sunshine. I really think nothing anymore about people who say they do not want. I think they are being realistic about a job you give yourself to for 18+ years, sometimes with not the most pleasant of outcomes in a relationship when a person who wants other things strives to have what they want and what they need. I used to think people who said no children were selfish- I understand their statements now. Motherhood is very much played up as far as I am concerned. Most of these posts are speaking from having young babies, toddlers before teen years and grown- those are the really good years. No pity needed nor wanted. My children had a very priviledged upbringing.
How many foster children are living with you?
The two comments made after my initial post left me so frustrated that I debated on responding. In the real world, most consider me to be kind hearted and easy going. For that reason, I usually avoid controversial issues for the sake of arguing.
This particular subject matter just hits very close to home and I have zero tolerance when misinformed people offer unwarranted advice. I feel it's very inconsiderate. The OP just asked about companies with insurance plans that covered IVF. She didn't come here asking for opinions or the blessing of MT Stars. What she is going through is difficult enough without complete strangers (probably sitting home with their 2-3 kids)telling her that wanting to start a family with her husband is completely unnecessary. I'm still amazed at how cold people can actually be.
Now to respond to your post.
First of all, if you did any research at all on the foster care and adoption systems in this country, you would not only be saddened, but you would not have posted. I'm not trying to be mean at all, but you are truly so misinformed that I don't know where to start.
My husband and I actually looked into foster parenting and even took the classes. We have a couple of friends as well as my in-laws who are foster parents. First of all, becoming a foster parent IS NOT a permanent situation. The small percentage of adoption that does result from being a foster parent can take up to 5 or 6 years! Plus, a very high number of foster children have special needs, severe behavioral problems, or mental issues caused from abuse. I do have one daughter who was 4 at the time we were taking classes. After spending years being protective parents, researching, and taking classes,we were afraid of exposing our small child to the abuse (physical, mental, sexual, drugs), that put these unfortunate children in foster care to begin with.
Yes you are right about so many beautiful children that need homes. There are literaly 1,000s of childless couples in this country that would love nothing more than to get serious about caring for them. Have you tried to adopt in this country? Good luck if you decide to take your own advice. You are looking at a long waiting list, tons of red tape and buracracy, not to mention a few grand. Oh and there is that chance after you have brought that sweet child home and bonded with him/her, that the crack-head bio-mom will decide she wants to play house and ger her an attorney (that you are paying for with your tax dollars.) After the court hearings are finally over (1-2 years later) you can kiss that little one good-bye. I've seen it happen to people very close to me...not on Lifetime. It does happens.
Seriously, why do you think so many Americans pay obscene amounts of money for international adoptions? Think about it.
Out of curiosity, do you have children?
My children are insured by their father and I purchase my
insurance. For vacations, I work an extra day a week for a twice a month for a couple months going into the month of my vacation. As for holidays, I usually work them. I look at it as being blessed enough to have a job at home where I can be with my girls and so if my usual days off happen to fall on the holiday, I usually volunteer to work 1/2 day, usually in the evening of the holiday so I can have the day with my girls and I work after they are in bed. Hope this helps!
I believe those were on the test for psych work because a lot of children
nowadays are watching shows such as Spongebob and using the X-Box, Playstation, etc., and they just want to make sure that you know all the new stuff out there that they will be using in their dictation. I've done psych. work before and they use a lot of modern jargon in their dictation.
No worse than screaming children in the background!
When you've done this a while you can block anything out.
What kind of future do our children and grandchildren have? sm
To begin with, they will be burdened by taking care of their elderly parents and grandparents who devoted their lives to working hard to make a living, only to have that living yanked out from under them.
Unfortunately, it seems that the philosphy of our government is to run all over the globe taking care of other countries while allowing our own people to slip further and further into poverty. I wonder how far this will have to go before the powers that be open their eyes and see what is happening to our own country?
I have been in this business for 15 years and am less than 20 years away from retirement age. According to my last Social Security statement, I will have to work until age 66 years 10 months before I can draw full Social Security and, if I can keep the arthritis and the carpal tunnel away and keep my wits about me, I can even earn a couple hundred more at age 70 IF there are even funds left in SS at that point. With the pushing of the retirement accouts by the federal government, my money says there won't be any money when I get ready to draw it.
Single mom, homeschool all 4 of my children AND work. it can be done
x
A job is not an afterthought to me. I had a FT MT job before my children and CHOSE to work PT so I
can enjoy them. I think anyone with children can understand that. I do take my job seriously and work and am a high producer. I enjoy my job but I also enjoy my other FT job, which is my children!
There are young children who have hearing issues
from babies on up. Why do you think this is age discrimination and why would you say sue?
Wow, expecting a gift. CHILDREN expect gifts. Maybe..
your gift is the fact that you have a job during this current economic crisis. If you get something, fine; if not, are you going to quit? You still have 4 days to wait by your mailbox for your gift, if you should get one.
also, the original poster asked how to stay production with small children...
not whether or not MTs are being exploited...
Stop putting up with adults who are children. It is IRRESPONSIBLE to go to a payday loan place. sm
As transcriptionists, we have options. We can take on more work with the company we are with, move to another company, get a second job, get our own accounts.
If everyone would be mature and take responsibility for themselves, there would be no problems.
By the way, for your information, I AM A SINGLE MOTHER OF 3 WONDERFUL CHILDREN and I have been for many years. Transcription allowed me to buy a house, pay my bills and be able to buy nice things. I knew when I was getting divorced that I either needed to cut corners or earn more. I did both. My kids and I live in a nice home but my girls share a room and my son has his own. I pay cash for cars and drive them until they cannot be driven or are not safe. We eat at home with home-cooked meals rather than eating out, except when celebrating something like a birthday or good report cards or an award one of them receives. They have nice clothese, a clean house and everything they need. I work while they are in school but make every minute of my work day count, and I have an extra job that I work on weekends in the early mornings when they are sleeping and evenings when they are asleep. We have friends, go to church and have a close family. I have never had child support and have never had to be on welfare.
I budget carefully and have a savings account. I only make 35,000 a year on average but I make it work.
Excuses are just that. People need to do for themselves. If they have medical issues or a tragedy, that's one thing, but so many of the people I have worked with just spend all their time whining and none of that time making their lives better.
I am not going to apologize. I am not a mean person, just tired of hearing people complain about EVERYTHING in this profession. Yes, it has changed, but we still have options. Many other fields do not.
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.
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