Here's the deal. The only way to avoid the pre-existing waiting period (usually 12 months) is to
Posted By: MT/Insurance biller/jack of all trades LOL on 2007-07-22
In Reply to: Question about pre-existing exlusions on new - insurance if you have COBRA. nm
insurances..Even at that, say you have coverage until the end of July miss August and get new insurance September 1, your new insurance cant do a 12-month waiting on you for pre-existing but they can make you wait that 1 month that you didnt have insurance so...in effect, if you new insurance starts on Sept 1..it wouldnt have to cover a preexisting problem until October 1 cuz you missed a month. My advice.. keep the Cobra.. I know it's a fortunate but if you had any kind of complication or anything related to a preexisting and you have to miss a month of coverage..it could be really painful. Let me know if you have any more questions.
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- Question about pre-existing exlusions on new - insurance if you have COBRA. nm
- Here's the deal. The only way to avoid the pre-existing waiting period (usually 12 months) is to - MT/Insurance biller/jack of all trades LOL
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Been waiting 3 months
for an Illinois company to pay me the one and only invoice I sent them. Have sent emails so that everything is in writing. I have called and left message, but she's not in and doesn't call back. Excuses have been that client not billed, I'm been sick, will send next week, etc. Filed a complaint with Better Business Bureau, but they cannot help in matter. Talked to Labor Board, but they cannot help because I was a contractor, and they suggested I get a lawyer. I am now in process of writing a demand letter and then will file small claim lawsuit. I began asking for payment since 10 days after invoice and still nothing!
Only worked for them for a week because I knew it wasn't going to work out, so I think this is MTSO messing with me because they are ticked off. I thought of billing client I did work for just to embarrass her!
How would you like to go to Canada and be on a months-long waiting list
just to get a CT scan? Or cardiac bypass done? That is exactly what happens over there as we have friends over there who have given us first-hand accounts of their struggles with Canada's medical system. My daughter has shunted hydrocephalus. If I have any question about how she's acting, if she may be experiencing shunt failure, I take her in to her neurosurgeon and she is in for an MRI or CT immediately... that day. When she had a shunt failure a couple of years ago when she was 5, while we were out of town, she was taken to the emergency room, had a CT, had helicopter ride back to our home hospital 1-1/2 hours away, was in surgery, and home the next day. I would be scared to death to be living in another country.
Just that the pay plan would be out in a few months. Period. Nothing more. By Imail I got it.
:
Yes, I had a period, no joke, for 5 months of pregnancy.
Doc didn't understand, baby was healthy, born on time, no complications.
Late period, test negative, 1 week later my period arrived.
To be honest, when I did become pregnant, I knew it right away. Sounds weird, but I just knew and it showed up on HCG test at 4 weeks.
Sometimes, you just know! Good luck whatever results you have.
Actually, chosing "cap after period" will not force a period in the instances I mentioned. --
Even with it checked, it WILL NOT cap after a number with a period in it. Like "white count 14.1. hemoglobin 10.9.
If you know of a way that it WILL, let us all know. I have never had a version of Word that will work that way. Always puts in the lower case, even though there is a period there.
It is an okay deal - TR 11 font is small. Not as good a deal as Courier.
Personally, I would have to think really hard and compare reports and line counts, like the other poster below suggested, before I would jump right into it. It is probably 75-80 characters to a line +/- the single character lines you get for initials, and 2 word lines you get with op reports such as Surgeon:
IV Fluids:
Anesthesia:
etc.
It probably is comparable to 9 cpl with a larger font.
Good luck in whatever you decide.
Good Luck!
If you currently have no pre-existing conditions and
are just worried about any problems that may occur between now and the 90 days get a temporary insurance. Deductible is very high, but premium is very low. You will have to pay out of pocket unless there is a catastrophic event. You can't get this insurance though if there is a pre-existing condition and there can't have been a lap of insurance.
If you have no pre-existing conditions look into
getting a private policy. Should be able to get a good one for under $400 and maybe less depending on deductible.
Question about pre-existing exlusions on new
I'm leaving my long-time current MT job. The insurance at the new job won't be effective for over 90 days (I"m not sure if it's PPO, POS or HMO). I will be paying COBRA to my old job in the meantime, though I sure am tempted to go a couple of months without it and hope for the best.
I'm hearing that many insurances are not covering pre-existing conditions. Is this true even if I have COBRA? Is there a federal regulation on this or will it vary from company to company?
HIPAA laws require that all pre-existing..sm...
conditions be covered as long as there is NO break in coverage.
Another thought . . . get the pre-existing clause in writing from your employer --
Not from the insurance company itself, because the insurance company may tell you something different from what the agreed-to clause between them and your employer says.
Insurance company interprets pre-existing condition in a different way than your employed agreed to in their contract with the insurance company.
Again, get it in writing from your new employer -- that is what counts -- not what the insurance may interpret as preexisting. There is a contract between employer and insurance company, and that wording needs to be clarified by HR person handling the insurance benefits.
"period, period, period..."
Yes I've transcribed for an MD who said this constantly while he was trying to think of what he would dicate next. I also had one who would say "ahhhhhhhhhh....." for what seemed like an eternity!! So annoying isn't it!
I think pre-existing stuff may kick in if you have have no certificate of previous coverage.
nm
Assuming your existing documents are based on the Normal template...
You can open the Normal template, make the changes you mention, and then save it. When you open your existing documents, they will be corrected. Hope this is the info you're looking for.
Need bridge policy ASAP. Where can I get it? Have SEVERAL pre-existing conditions and meds
Just one medication at full cost is half of the COBRA payment plus I have steroid and Botox injections scheduled. Need insurance. Can anybody tell me where I can obtain "bridge insurance" without going broke?
MedQuist? Ctrl+shift+F, period, space, tab, period, space, space, change all. nm
.
anyone watch deal or no deal?
I love Deal or No Deal.......nm
Any way to avoid it?
My parents both lost hearing with age and I have seen how isolating it is.
Is there any way to avoid that with this job? I try to keep my volume down, but they way the dictators speak, I can't help but crank the volume quite a bit.
Did enough rock & roll blasting when I was young!
Any ideas?
Here's one to avoid -
My BF picked this up to try it for his laptop. It worked great for the first few days (long enough to get past the 'money back' offer), and then it suddenly began disconnecting him up to 12 to 15 times in a 4 hour period. I'm not sure about the legalities of using these types of devices to transcribe medical reports so I never tried it, but he said it was one of the most frustrating internet situations he'd ever been through.
If you've got Cricket stations in your area and they're offering their "unlimited" broad-band service for $40/month, I'd suggest applying that $40 toward a reliable service.
Here's one to avoid -
My BF picked this up to try it for his laptop. It worked great for the first few days (long enough to get past the 'money back' offer), and then it suddenly began disconnecting him up to 12 to 15 times in a 4 hour period. I'm not sure about the legalities of using these types of devices to transcribe medical reports so I never tried it, but he said it was one of the most frustrating internet situations he'd ever been through.
If you've got Cricket stations in your area and they're offering their "unlimited" broad-band service for $40/month, I'd suggest applying that $40 toward a reliable service.
It can be fun if you avoid the aggravation which I try to do - sm
Yes, it does bring out the worst in people...we got up to get ice cream after my 5 & 7 y/o had finished their lunch, left out drinks and my 1 bag purchase on the table, came back after maybe 5 minutes to find 2 ladies had helped themselves to our table, I was pretty pissed, but just gathered up our stuff (only 2 seats left for 3 people) and said we needed to find a place to sit, neither lady batted an eyelid or said a word. Kids asked why we didn't stay, I said I feared I wouldn't be too polite if we had stuck around since I was ticked. So we sat at the steps of the little stage area in the food court area and they had their ice cream that way. So that was the only wrinkle in the day basically. Kids had fun, we never dealt anything too horrendous, and I got a couple things accomplished without having to deal with the hardcore nut cases.
avoid refunds
Why would you want a refund? If you're getting a refund that just means you overpaid your taxes the previous year; in effect you gave the government an interest-free loan of YOUR MONEY.
Ideally you should set up your withholding so that you end up having to pay some extra taxes when you file your return (but not so much as to trigger a penalty). That way you get to hold on to your money as long as possible and can at least earn some interest by keeping it in a CD or money market account.
Do not avoid them. They are willing to work with you
because they want you to make your payment.
Read all the letters they send you some mortgage companies will point you in the right direction like using a third party to help you get caught up.
I never thought I would get hit with foreclosure but it happened to me and luckily as the poster below, my family was able to bail me out.
I still owe my family thousands because they tacked legal fees on top of what I owed and the mortgage company not only wanted what was late but also two month's mortgage in advance all in one lump sum!
Good luck...
Just want to avoid the same mistake...nm
x
None. I try to avoid caffeine.
nm
Yes, have done my own...avoid going to docs where I know...sm
the MT. I would not want anyone I know doing mine.
I would like to know to, so I can avoid applying
there. 3 cpl is awful.
I do have kids. They can have pop and chips, but I try to avoid it.
And Iecture them on the value of healthy food. LOL My diet used to be horrible until it caught up with me with my last pregnancy. I was frequently hypoglycemic and had high blood sugar. Then I had two irregular EKGs before a surgery. I've basically been scared into becoming healthier.
I definitely think its best to avoid relatives this year.
I'll join you for a toast on Thanksgiving? The idea of being alone during the holidays still sucks, but its a change from the strain of being with relatives, and a first. Might be kinda nice I guess.
Avoid Focus Infomatics!
I worked for Focus for a couple of months, and I absolutely hated it! They offshore their QA and tech support to India, and you can never understand a work they are saying when they call you to train you on their software, which is the worst program that I have ever transcribed in. It was always freezing up, losing connection to the VPN, and it cost me so much money because I kept losing work that I had done. Their tech support would take forever to respond when I IM'd them, and they were hardly ever very helpful at all. It is also true that they deduct pay for mistakes. I now work full-time for Cymed, and I am so much happier!
The only way I've found to avoid this is to.....
have three part-time jobs. I used to have one full time and two part time, but just recently went to three part time.
I NEVER run out of work now, but always have in the past six years in the business. This works for me, but took almost a year to balance the three so I'm not working a ton of hours.
You said THAT right! Most people avoid her type
nm
I try to avoid it, but I'm a pretty good diagnostician.
Most of the time I'm right, but I hate to do it, cause they invariably will say, "then what should I do?" - at which point I have to tell them, "go to the doctor. I'm not a doctor, I'm a diagnostician."
No, just want to cut to the chase and avoid tne empty posts. nm
:+
How to avoid hiring an American (video)
Cut and paste this link into your brower and click on the video to play it. It's kinda long but worth it....just dang is all I gotta say about that.
http://www.networkworld.com/community/?q=node/16421
$32K/part time 6 months/full time 6 months
I have kept my child home with me half the year, but when pre-K started I began working full time. Helps to only have a main account and one backup account for the 2nd year now, so my abbreviation program rocks and rolls when I focus.
I've developed a bit of social phobia, now I avoid
I listen to social anxiety tapes, Dr. Richards, because i'm finding I want to be around people now, just have forgotten how. When i'm in a conversation, even with people i've known forever, where attention is focused on me I feel this fight or flight feeling, get nervous and turn red, just uncomfortable with socializing. Getting better though.
My service told us to use mg/dL...as well as mL instead of ml, "to avoid confusion." nm
x
Not coming up w/ much except construction paper...tyring to avoid that if I can. Thanks anyway. nm
x
I prefer weekends. I find most cherrypickers also avoid
weekends, so I at least get a decent selection of work to do.
Accreditation matters. It helps to avoid scams, but not always. sm
Pick a good school. It is extremely difficult to get hired immediately, even when graduating from an accredited school. It is a hard row to hoe. Most companies require at least 2, usually 5 years of time on the job. They just don't have time to train new MTs.
I avoid numbers in my short forms and use letters
instead when needed. What I do most often is double-key a short form (same two letters) that goes back and adds slashes or dashes for dates and decimals. It's easier for me to key the numbers, then let a command entry edit when needed. You might want to go to Productivity Talk for a lot of great tips on learning IT.
Also avoid Antivirus 2008/2009. It is very nasty.
x
AVOID AT ALL COSTS SoftScript, Transcend, Medquist, OSI, Transolutions
SoftScript has bad, bad ESL accounts.
Transcend is notorious for running out of work while they have plenty of well-to-fo executives. They overhire, then nobody has any work. They will call you every day to "work extra" - that is, if they have any work to do.
Medquist is having a massive exodus because they have been sued for fraudulent billing. There are thousands of people looking for new jobs, so maybe you can get something soon.
OSI offshores like crazy but their worst problem are some of their lunatic department heads, one in particular with no experience and less of a brain. NO IDEA how to run a successful company able to keep good employees. Most of their best MTs have left and they are stuck with a bunch of MTs fresh out of school.
Transolutions - Low, low pay and horrible QA department that is not consistent and will write you up over crazy things like commas.
Garlic keeps you healthy. You smell so bad sick people avoid you.
x
Medical Bazaar is Indian and horrid. Avoid like the plague.
I hate shopping. I do mine on-line and avoid the annoying crowds.
x
If allergic to nickel, then avoid green beans, broccoli, peas, etc.
I have that same allergy, had problems with the old metal zippers, snaps, etc.
This is a link for metal/nickel allergy
http://dermnetnz.org/dermatitis/nickel-allergy.html
if a new headset doesn't help, plug directly into CPU and avoid speakers and see if that helps.
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