Don't get me started on insurance

• does anybody wonder if we get universal healthcare - QAgirl
  • I think it's important to note why health care costs are so high, first of all, SM - tough issue
    • Don't get me started on insurance - Glory1863
  • Perhaps, but there will also be no incentive to go into medicine for US docs, SM - MT50
  • If we get universal healthcare ESL docs will be - the least of our problems.
    • I totally agree. - mtathome
    • What is your source for this timeline? - Curious
  • It will never happen. Big money rules in America and they have - middle class what is best for them.
    • Convinced the middle class. - I need a break and good insurance.

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If you don't have insurance (dental, vision, prescription, chiropractic, and some locations medical) and don't have a lot to spend on insurance, ask me what I signed up for if interested.

There's a lot of information to tell and I don't want to ramble on if no one's interested.

Talk to ya later,

Andrea - Medical Transcripionist (Nashville, TN)

when the MT is paying for it also?  Does that not count for anything?

I need to find out if Errrors and Omissions insurance is needed for a contracted medical transcriptionist?

Please let me know if you carry it and how I can obtain it?

Thanks...

Everyone who lives in Florida should be aware that the PIP insurance as we know it is soon to expire on 10/1/07.  Please go to the web site http://www.wpbf.com/index.html.  In the center, scroll down a little in the middle is a survery that asks Do you think personal injury protection (PIP) should be eliminated?  Please go on line and vote NO.  Send this email to everyone you know.  We want hundreds of votes.

Also, please send a letter to Governor Charlie Crist,o to Speaker Marco Rubio and Senate President Ken Pruitt.  You can find their email addresses on MyFlorida.com.  It is very important that they add this to their agenda on 6/12/07 for their special session.

Thanks for your help. 

Yes, unfortunately I do know what happens!  My husband has no insurance, but usually gets care through the VA.  In April, he had an emergency, ended up with a pacemaker, a gazillion tests, doctors, two hospitals, ambulance, etc.  Over $59,500.00 out of pocket expenses.  If the VA does not pay (it is with their review board), we will be paying until we die.  Some are taking as little as $25.00 a month, others are waiting for VA and then may reduce the charges somewhat.  It is very scary to be without insurance.  Try to get something for major hospital stays, surgeries, etc.  Also, short term and long term disability are good.  If you have any type of chronic condition, forget it.  I have diabetes and hypertension both - cannot get coverage anywhere - I have tried several times, so I can be flexible/part time.  Good Luck and God Bless You.

I bought a policy from State Farm.  It cost me $257 for the year.  I really have never heard of being able to cover it from home owner's policy, not unless it is for a small amount.  My policy consists of $250,000.

I would call SF and ask them about it.

Good Luck!!!

Are you a contractor for the hospital?  First, you need to make sure you know what limits they are requiring.  If they are requiring E&O ins., then they should have something in writing about the limits.  This is expensive insurance.  I used to be a CSR for an insurance agency. 

It's not something that can be obtained through your homeowner's insurance.  Homeowner's insurance is occurance-based general liability (and property) insurance, whereas E&O insurance is claims-made liability.  Specifically it covers you if you get sued because of an error or an omission that you do that causes harm to someone. 

It surprises me that the hospital is requiring it, though.  The doctors have to sign off on the reports that you type, thereby removing the liability from you and placing it on themselves.

Does anyone have any information on health insurance for ICs? I am a new MT and have only been working for three months, and unfortunately the company that I work for does not offer benefits.  If anyone has any information I would really appreciate it.

Oh! By the way I know about Blue Cross Blue Shield, and will not consider going through them. They are way too expensive and they do not cover any pre-existing conditions.

decent (decent being the key word here) reports to make the require 12,000 lines per pay period, and I would have $300-$400 lines suddenly taken out of my pay, and then it would take several pay periods before I'd be allowed back with insurance that was co-payed with them.

Also, it always struck me odd, that they never raised my pay when I told them to change me from EMPLOYEE to Statutory Employee.  I asked and asked and no answer.

The other day I asked for anything written with description of their policies on insurance, "no" work situations for both Employee and SE, and they denied being able to provide either.

I'd be real careful when going to work for this company. 

Needless to say I don't work for them anymore.  I was left high and dry way too many times, with no contract from them or things in writing of company policies when I was employee.  The contract they sent for the SE classification was invalid and they would never send anything in writing that I cared to sign that represented the conditions they wanted me to work under from the get-go.

I am looking at moving back to working from home, I am currently 'in-house' working for a hospital clinic but I need more flexibility for my children's schedules.

I have a decent lead on an IC position, but I am trying to figure out if I can find/afford health care.  I really only need catastrophic type care and plan to pay for my own routine care.

Does anyone know of a decent insurance company??

Thanks VT_MT

as well as doctors and others.  I agree that a business has more value if you are talking about an office with equipment and established client base.  My insurance agent retired last year and sold his business, which was essentially just his client list and their accounts since he ran his business out of his home.  No idea what he sold it for, but I got a letter telling me about the exchange.  There is the risks there that the clients will choose not to stay with the new agent, but many do like me who doesn't want the hassle of looking for a new one.  But I think it is a little different in your situation.  You probably have a contract with your client, which insurance agents don't have, and whomever you sold your client to would most likely have to make a new contract, which the doctor may or may not want to do with someone you just bring it.  Then again, big MTSOs sell off their businesses and it all seems to work out, so maybe it would for you, too. 

They are somewhat different as your insurance coverage is with a larger company and they only act as the agent and get a commission.   When your policy comes up for renewal that insurance agent gets a commission from that company.  But your actual business is with the insurance company.   One of the companies that I subcontracted with sold out but again they had an office, machines, computers, etc.  They also did not let the clients know that it was being sold to new owners for at least six months because they were afraid that some clients would pull their accounts.    But they had the same people working.  But with a small MTSO we rarely have contracts, on a month to month.  One of mine does stipulates that I do not subcontract out and if I were to quit they would find their own replacement -- it is verbal but I would abide by it.  That is how I got it.  But she is talking about a business work probably a couple of thousand a month income if that, and she is not selling anything tangible except for a client who may or may not chose to stay, I would not go for it.    I like better odds than that when gambling.   Again, that is why I suggested subcontracting for a while to see how everything works out.

part-time associates after 2 years.  They also have insurance that full-time associates can get during their 90-day waiting period for their regular insurance to kick in after they are hired.

The end of November my husband had two cardiac stents put in.  He was in the hospital from Wednesday late morning until Friday late morning.  We had paid $300 to the hospital, which they said would be his part of the cost.  The other day i received a bill from them.  It indicated that after the insurance had paid, the balance was our responsibility.  It very nicely noted that if we found it difficult to pay the entire amount in one payment, to please contact their office.  The amount was $46,000-plus.  I just laughed - oh, no problem, I'll just write a check out of my pin money.  Of course, the bill wasn't really ours - the insurance hadn't paid at all - but just the fact that it was $46,000 blew me away.  And, of course, that didn't include the doctor and any other ancillary personnal who will be billing the insurance company, too.  Right now I am paying $460 a month for insurance for just myself.  Thankfully I have recently become an employee and my insurance rate is going to be much better, but when atrocious prices such as these are charged, what can we expect other than higher insurance premiums and more and more employers handing off the cost of those premiums to the employees.