From experience as an insurance biller and a consumer with 2 policies.
Posted By: MT, Insurance Billing, Jack of All Trades on 2006-08-02
In Reply to: Familiar with primary/secondary insurance?sm - Clueless
I think it is always beneficial to have two insurances. I think if it doesnt cost you anymore to have it for him...then do it. Most insurance companies have what they call a "coordination of benefits" and the second insurance usually does pick up what the first doesnt. Say for instance though, with your primary insurance has a $25 copay so they pay for everything but that. That is in turn will go onto your secondary and typically the secondary will pick that up, depending upon their "COB" (coordination of benefits) policy. It may not benefit you a lot if the second has a high deductible until something major, god forbid that.. but I had that happen with my child. One hospital visit and your deductible is met on both as well as your stop loss so basically your covered 100%. Again, it really depends on your insurance and how they do their COB so you may still have a small amount of a copay or percentage but if it costs you no more to haveh him on it, then do it. Trust me, you will be glad you glad, especially in cases of large medical bills. Anymore questions, let me know.
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TIA!!
There are some short-term insurance policies out there that cover you betweens job but do know that
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I am a recovering biller,
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And this can only get worse as the entire medical reimbursement system goes further and further south. But that's another topic.
However... although transcription is not easy, and the money is nowhere near what it used to be, it isn't going anywhere soon. One of my co-workers, a recent Andrews graduate, got a job right out of school, working at home (with a 2-year-old), so that is known to be doable. If you choose the MT route, be sure you choose one of those two schools.
His policies seem to show that,
Different company, so hopefully different policies. Thanks.
nm
BCBS. Individual policies.
.
Which companies have written policies against it?
Just curious...
It would certainly depend on that company's/hospital's HR policies. nm
x
The consumer age is here.
I have watched bank tellers, cashiers, gas-pump attendants, farmers, pharmacists, butchers, telephone operators....you name it, lose their jobs due to technology and the need for mass production.
Everyone wants it now and they want it cheap, whether it's medical transcription or food.
Yes, it's depressing but I'm just as guilty as the next guy. I shop at Walmart and that has put a lot of little specialty stores out of business, but what can ya do?
It's just a sign of the times I'm afraid.
I bet other insurance carriers have insurance for their employees. Why not Wal-Mart? nm
:+
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RE: Consumer Credit Corp.
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We are the largest consumer of goods. nm.
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I'll never buy another car without using Consumer's Guide!
Dept of Consumer Advocacy........nm
Consumer Credit Corp. ? Anyone have any info? (sm)
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Avast also recommended by Consumer Reports.
x
Rising costs always causes the consumer to look for another solution
in the MT field, this includes offshore, EMR and SR, and people taking pay cuts. Once everyone around your wonderful doctors are getting the work done reasonably well for much less, they will take a second look too.
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Consumer Reports June 2005 covers this.....sm
type of information if you'll go to your local library they usually have a copy available there. Happy researching!
Forgot to add my accounts say "Closed at request of consumer."
x
I blew a big wad on my last one - Hoover WindTunnel - because Consumer Reports (sm)
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Get the April 2006 Consumer Reports magazine...sm
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Contact your state Consumer Affairs. They will guide you.
nm
No but I think Consumer Reports and other industry specific testing
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Most recent Consumer Reports magazine did an article about this. Most effective was hormone replac
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How is one going to get experience, when no one will hire without experience????
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..
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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.
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