Compared the price offered by Cobra with a local BC or Regence Blue Shield plan. Chances are..
Posted By: Insurance know-it-all on 2007-08-15
In Reply to: Need bridge policy ASAP. Where can I get it? Have SEVERAL pre-existing conditions and meds - paintyper
If you have a lot of medical issues your preminum wont be pretty but if it's temporary go with an extremely high deductible if you can. I have one that is $7500 deductible but has a $25 office visit copay and prescription coverage so it helps me since I just go to the doctor. Now, if you needed surgery or something that would be different.
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
Your best bet is your local Blue Cross and/or Blue Shield company, depending on where you live
Here in Idaho, we have both companies but a lot of other states have BC/BS combined. Our family has a policy through Regence Blue Shield that is $196 for my husband and three kids. It has a $25 office copay and it is a limited policy, which is 12 office visits a year and lab up to $300. It works great for us because we never got to the doctor, yet we have it if we need it.
I have an individual policy for major medical, $35 office copay, with our local Blue Cross and it is $59 a month for me and it has prescription coverage too. Not a bad deal. I think they are your best bet for decent coverage at a good price.
Blue Cross/Blue Shield or Mutual of Omaha - Which company pays off claims the best w/o hassle?
nm
If you know the name of your business plan they offered you for
the $50-60/month, could you share it w/me? MCI has nothing to offer. Their business 'plan' is pay per minute, 5 cpm. No thanks. I just want to know what exactly to ask AT&T for. Thank you again!
Shop around before getting cobra. If you are leaving a job, you can get cobra. I am in the process
Cobra is almost $600 for you and children, I found a month to month coverage by shopping on internet, covers 2 visits a year (I only need it 3 months) and is less than $300. Less expensive coverage than cobra is out there
No, the employer doesn't pay COBRA, you pay COBRA directly.
:(
Light blue background, with bold blue text.
x
You're confusing the new QA plan with the new pay plan. New pay plan is still completely under wr
Shhhhhhhhhhh....
The price of gasoline is reflected in the price of goods. Having said that, one item
higher, MOMENTARILY, than Walmart, does not really make a case against Walmart. You want to make Walmart a bad guy because they don't have a shopper out there matching the grocery stores' price so be it. But MOST people I know shop at Walmart for lower groceries prices AS A WHOLE, and that is what makes Walmart successful. So buy your cheaper Bounty towels at your grocery store if that makes you happy. Your grocery store HAS TO MAKE MONEY and they will get you on something else. It is the retail law. Walmart will not be successful with higher prices than the grocery store. They aim to succeed. They have been sucessful in undercutting other stores. Your Bounty towels will not bring down the Walmart empire but it may cause you to shop at your grocery store where they will charge you more on other items to stay in business. Quit the knee-jerk responses. If you don't like Walmart and don't want to shop there that's all well and good. If you don't shop there because of Bounty towels, well that's just crazy.
Chances are ... (sm)
the businesses who are displaying that information have tried to contact and/or work with these individuals; they are probably repeat "offenders".
I don't have a problem whatsoever with it. People who write hot checks and don't pay their debts costs everyone else. It's one thing to call the business and work out a payment plan and actually abide by it; it's another situation altogether to make such poor stewardship a habit.
When a check is not honored or even when payments are not honored, it is a form of theft. I think they have the right to discourage this practice by that particular means, to notify others of the character of these individuals.
I think the "wrong" here is the attitude by some people that is okay and/or "understandable" for people to handle business in this manner.
Chances are
if you are conscientious to worry about being good enough ... you are good enough.
Blanks are part of MTing, and it is much better to blank than to guess.
Just do your best. :)
You could go to school and look for yourself. Chances are
there are a few but most cars that kids drive, at least in our area, are not new and if they are they belong to the parents, not the teenager themselves. Don't feel guilty, she's trying to play you.
If you don't know how to spell it, chances are you don't know what it means either! nm
x
Opinions. Chances of me getting my old job back.
I just learned that my old employer is in trouble. They demanded overtime from everyone but did not compensate for it. Anyway, lawyers were involved and they are going to back pay us for the last 2 years. I have not worked there in about 6 months. My friend told me she knows for sure I have something coming to because she saw the envelope and the supe said oh there's "mine." I don't know exactly how much I will be getting back. If I only get $10, I think it is a riot because not only did they rook us out of OT pay, but they rooked me and a few others out of our so-called incentive plan. That makes me a bad parson for enjoying this news. Despite all this, they do have much better pay then what any company I have applied for. They pay 10 for standard transcription and 8 for SR. When I was there I only paid $75 a month for family insurance. My kids got immunizations free. I got free annuals. I asked my friend if since now they know they have to pay OT, if they were swamped and would they need another MTs. She said no because since they got SR they are keeping up. I am just wondering if I should ask anyway. My friend would not tell me who turned them in. I have an inkling of a suspicion. I think it would be a hoot if it were one of their pets. BTW, this is a hospital not an MTSO.
Aren't the chances pretty high that coding, like MT -
.
Buy local. The local stores pay taxes to support your city and state. (SM)
Using online and catalogues does nothing to promote the local economy. We complain about outsourcing and about the big companies gobbling up all the work so the jobs at local hospitals are gone, yet we do the same thing when we buy on ebay, catalog, and these web sites that may be located any place in the world as their primary business location.
I am talking about the QA plan I dont know what the new pay plan is.
:
I went local. Great local tech support, they know what I do and were able to set it up just for me
:)
This is a good one compared to what I get
I get all the ESLs who can't speak English and the words are just garbage words strung together and they make absolutely no sense at all. Words appear that are not even spoken and when they are, they are not there. I would rather just delete the whole thing and type it myself. However, they have a limit on how many times a month you can do this and if you go over, you are in trouble. I think this is just a way to get our pay even lower than it was so that we match up with the Indians. I could type the whole report in less than half the time and do it correctly instead of dealing with this garbage that takes me twice as long-- for less than half the pay, of course.
I also am not a "computer whiz" and all these commands with "control shift this and control shift that" and jumping all over the keyboard drives me crazy. I would rather just type the whole report myself. I am very fast and could do it much quicker on my own.
I really used to enjoy transcription but it has turned into a dead profession and I don't see it getting any better any time soon.
Fantasia was fabulous compared to others...nm
/
Wow, I'm getting a huge break compared to others...sm
Through Cincinnati Bell, I have to have their broadband, which is also the ISP. As part of the bundle, I get Complete Connections which includes call waiting, caller ID, call block, etc. This whole package comes to around $44 and gives you 200 minutes of long distance. I recently asked to have unlimited added to my phone line, but it automatically goes on both lines. The additional charge for unlimited is $10. So I basically pay $10 for unlimited!
Used to, but compared electric bills
I used to never turn my computer off. Then my grandchildren visited me for 3 wks. Because I did not want them playing on my computer (they had their own laptop), I kept mine off when I was not working. When the electric bill came it, it was almost $60 less, so from that point on, I began turning it off between the hours of 5 p.m. and 5:00 a.m. plus my days off (and I get more done around the house as well) -- continued with the same savings. Figured I can buy a new tower for $720 a year in savings.
compared to what most places offer
This is very good. I would just clarify that time isn't rounded down to the nearest minute on each dictation. This is a good rate even if ESL as long as it is not one of those impossible-to-hear people. :)
I have a life and compared to my years in this
you are a newbie. First of all, people are not making the same money you made 20 years ago- most are making LESS. I have almost 40 years doing this type of work so no one can tell me about what they used to make. If you feel slighted, unloved, uncared for, as you say working your tail off, depressed, stressed, why in the world do you continue in such a dead-end job? A single mom to me means nothing more than 1 person working. If they need to make more money to live, maybe they should get another job as I did years ago when I was a divorced mother.
Very nice features, compared and love it.
//
I lost money doing VR compared to straight
Before VR my line count was about 375 to 400 lph. After VR, my lines were about 400 to 450 lph. The lines produced went up slightly, but the rate in pay was decreased by 40% and the platform was so bad it took me longer to produce the 400 to 450 lines than it did straight typing. Total loss of income was about 38% to 40% working 8 hours a day instead of 7 to 7-1/2.
That is great! My best so far is about 1600 but I am a snail compared to most - nm
xxx
WE ARE RICH compared to REAL third world nations
like those hit in the tsunami. Do you live with three generations in a dirt floor hut? Are you a farmer, fisherman, or hard laborer? Do our people have malnutrition and low fetal birth weights? Do you worry about where your next meal is coming from? No, we're the fattest nation in the world. We have a lot to be grateful for but people still want more. You can sit there behind your computer screen in your heated house while drinking lemonade and tell us all how poor you are, but I don't believe it for a minute. Your life could be a lot worse.
It'll be tough with so many new drugs, etc. out there. Figure out what you used to do compared to
,
Yes. It's expensive compared to a single visit for electrolysis but
I have found it very effective. For me it is more painful than electrolysis, but the visits are over much more quickly (takes me about 5 minutes for upper lip, chin, and cheeks). Because hair must be within the growth stage to work, it takes at least 3 visits to finish, spaced about 6 weeks apart, and you can't tweeze, depilate, or bleach while you are having it done. That includes for a few weeks before you start, or the first visit will be a waste. You can shave, which sounds odd to most people, but works just fine during the process. (You will be shaved before the treatments anyway, because the hair melts onto the skin otherwise.) No matter what the ads say, it does still work best on darker hair and light skin, because the melanin affects how the laser works. Another thing you won't hear about before hand is when used over areas of dental work there is an additional zing of discomfort. I put my tongue over the teeth in those areas, which helps some. My technician stopped providing anesthetic cream because of possible allergic reactions, but you can order it over the counter at a drug store or online. I have just toughed it out each time. My face is red for a few hours after treatment, but no burning. There will be a few strays, which they will handle as needed at a lower rate after the agreed upon series of treatments.
Celine, although excellent, will always be a pretender to the throne compared to Ms Streisand. :) nm
x
Ummm 10.00 per month compared to earning 800.00. No not free, but might as well be. BUT look aroun
server software IS free BTW: I find my solution EXTREMELY simple!!
Anyone been on COBRA
I am trying to figure out how expensive COBRA is. If anyone has been on COBRA, would you give me an idea of what it cost you? I am trying to find an average cost here. My job has been terminated as of 08/31/07, due to outsourcing in-house transcription to a service. I need to make many decisions on a very short timeframe. Any info would be greatly appreciated.
cobra
My husband and I are on cobra right now. For two of us with dental it's costing us $821 per month thru Aetna.
COBRA
Once you have insurance, you should be able to get COBRA. The length of time should no matter.
COBRA
I had to use COBRA for my daughter a few years ago when my husband died. It's my understanding that you have until 45 days after regular insurance terminates to decide to take COBRA. In her case, anything within that 45 days ws covered by the regular insurance. I was also able to take the COBRA on a month by month basis, not have to pay in advance. I suppose plans may be different, but it ws my understanding COBRA has standards under the insurance act. You might have to speak to the plan administrator to find out for sure. Good luck!
COBRA
I do believe you have to pay it through the date you actually sign up, so that would mean you could drop it in February. Here is something to consider - if you cannot afford the COBRA payments and your ER bill is quite substantial, the hospital collections office will sometimes pay the COBRA for you and then bill you for the premiums paid. I used to work in collections and we often did this when we could see we would benefit by doing so. We could sometimes pay $700 in COBRA premiums, but collect $7000; therefore, even if we never collected from the patient on the $700, we still came out ahead.
COBRA
Actually, that's correct. COBRA does not legally apply if there are less than 19 people. I am not sure what state you are in, but in IL they have a state mandate that picks up for smaller companies, but the coverage time isn't as long as COBRA.
COBRA
Have you tried Alli? The reason I ask is because I just started taking it myself. I did contact my doctor's office before taking it though, as I am Wellbutrin and Effexor, as well as Evista, Advair, albuterol, and take Tylenol ES quite often. She said that even with all these meds, it is safe. I have not experienced any adverse reactions to the Alli as far as my other meds go.
However, you need to really read up on the Alli program, including the side effects that some people have experienced.
Maybe it's worth a shot!!
When do I need to sign up for COBRA? sm
I turned in my notice on 6/28 and quit two weeks later. I have received my last paycheck, reimbursement for PTO, a letter saying someone will be calling for an exit survey, and even my shipping labels to return my computer, etc. but have yet to receive any information about COBRA and I want to sign up! It is now almost the end of the month and I'm worried that I have to get my money in by the first of the month. Does anyone know? I don't want to get stuck with a pre-existing condition problem.
Thanks!
That's exactly right. TAKE THE COBRA, even though the $$ is high.
At age 64, I have had to take COBRA, it's $926 a MONTH
I took a job with a medium-sized MTSO last year in September, qualified with 90 days above their set quota to get benefits, my share was about $75 biweekly. Then my work type dried up, they tried to force me to do clinic which I would not do. No one will cover a 64 year old woman because you better believe everybody has something pre-existing by the time they get into their 60's. I have to keep the policy through the COBRA until July next year when I'll be 65 and get Medicare. I never wanted to be 65 so much in my life! I have had to work 7 days a week on production to make enough money to meet my mortgage, regular household bills, and now this $926 COBRA. I'm lucky I found a service that will let me work my fingers to the bone. I've been paying this amount since April, please say a little prayer for me, I'm 5 months into this, I have 10 months more to go. Then I can cut back to 5 days a week, it's going to feel really good when that happens and I can do my errands and cleaning one day a week and have one real "day off" a week. I think my COBRA is so high because it is a really good BC/BS policy, and the actual cost of the coverage is horrific. Whatever you do don't let your coverage lapse. You actually will have almost 2 months to get the first payment to them, but if you are 1 cent short or 1 day late, you are out of luck. P.S. This treatment was the company that brags "you'll be proud to tell your friends about us." Don't ever believe what a recruiter tells you about the work type you'll be doing or the amount of work they have for you to do. Good luck to all the Old-Timers out there, we're all going to need all the luck we can get. Prayers would be even better.
Wise
Another Cobra inquiry
Does anyone know how long you have to be on the insurance to qualify for cobra. I did have a lapse in my prior coverage but have no pre-existing conditions so wasn't worried. Have now had the insurance at my employment about 30 days but am thinking about leaving, does anyone know if I will be eligible for Cobra?
Cobra question
I know this was recently discussed here but for some reason I cannot locate it. I have been at my job a little over 4 months, have had 2 insurance payments taken out of my check. I am really thinking seriously about leaving - does anyone know if I will be eligible for Cobra or do you have to have the insurance for a minimum amount of time. TYIA.
Check out the COBRA
I'm so sorry to hear about your friend losing her job. Please tell her to check out the COBRA rulings on insurance policies. You normally have a 30-day window after termination ...so if she can get her surgeries in before that 30 days is up...the insurance should pay.
Can I do just 1 month of COBRA? sm
I'm wondering if I can sign up for just 1 month of COBRA health insurance after the fact. I'm nearing my COBRA election cut off. My last day of regular insurance was 10/31. I would just like to pay for COBRA for the month of November, but the paperwork says you must pay all months up to the day of election. I had an ER visit in November, which is why I only want to pay November, but if I made the COBRA election today, I'd have to make 3 months of payments. Has anyone ever done this? I thought maybe I could just send in a payment for the 1 month with a note that I didn't want it after that. TIA. I know I should probably ask the plan administrator, but I'm embarassed.
COBRA QUESTION
I have been covered by COBRA since September 2007 with dental coverage. I just received my new card today and I do not have dental, and my last dental appointment and treatment are not being paid. Can they do this? Drop coverage that I already have. To top it off they are charging me $20.00 more a month.
My husband is covered under AARP; however, I cannot get on his insurance even though I will be 50 in one month due to being overweight. They say I have to lose at least 70 pounds.
Does anyone know of an insurance company that would insure me for less than what I am paying COBRA?
Light-colored makeup or glitter is such small potatoes compared to what's coming. I agree with ch
s
The line rate sounds pretty good compared to other places - by "punch the clock", you mean
it really is not a flexible schedule, even for an IC? That's what I need the most.
Thanks for your response. If I opt out of the cobra coverage,
does my current coverage stop immediately (last employment day), at the end of the current pay period, or at the end of the final pay period? Thanks!
Cobra takes precedence
Divorce is considered a "qualifying event" and would entitle you to 18 months (or 36 months in certain cases) of coverage through COBRA where you would pay the premium. You can make an inquiry to the human resources department at his employer if there are children involved and the rate is the same for him to cover himself, the kids and you, and in that event, you would continue to have coverage without invoking COBRA. The best thing is to read the policy and direct any questions to HR.
good luck
COBRA is not a specific insurance sm
policy. It is simply a continuation of what you already had with your employer, except you pay all the costs. That is what you need to find out, how much the full coverage will cost you without an employer contribution.
|
