Husband's plan has no deductible, just copay and pays just straight up to 12 visits a year.
Posted By: In the know.. on insurance on 2006-05-19
In Reply to: SM - anon
I do have a high deductible for mine, I think $5000 but the important thing to me is that I only pay $35 office visit copay. The deductible only kicks in on lab, x-ray etc.. and I have prescription coverage. The other thing you have to consider, as I also work in a physician's office doing medical billing, is that there are substantial contractual adjustments if you are with a BC plan. Say, your bill is $100 and the "allowable" from the insurance company is $75, that means that your doctor's office has to adjust off the extra $25 and you are not responsible for that; whereas, if you had no insurance, you'd have to pay the whole $100 out of your own pocket, no discount there.
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I work for a national, $600 yearly deductible and 15-30 copay
nm
Taxes are deductible and it does help out at the end of the year.
Be sure to try to get fixed. I have 7.5 fixed for 30. They do have 40 yr mtgs now. And you can always refinance if your financial picture changes. When I moved into my home, i had no cable, a junky car and ate like a poor person. Once, to make my mtg, during a really rough time, i sold my bedroom suite. Keeping the roof over our heads is #1 priority. You sound like someone responsible enough to do this. Would you qualify for this loan on your own? Getting his name on this house might not be smart thing to do during these rocky times?
my VR pays 4 cpl for editing and 8.4-10 cpl for straight typing.
That includes all the lines on the page, even if I don't have to edit some.
No actually I plan to suck everything out of them at my line rate this year and then quit in January
when they start the new pay plan. Yep, that is exactly what I plan to do. Yep, I have it all planned out. This sick sick lady has it all planned out. The best of MQ is over.
Well, my husband and I paid 58% last year in taxes. I swear! sm
I won't tell you our gross, but it's above average, we both work 70+ hours a week and we are struggling to pay our bills - parents of 3 young children.
I am scared to death of Democrats being back in office. GW at least wants tax breaks for families like ours. If the Dems are in office I'm afraid we'll be taxed more to help pay for people like my niece who had babies beginning at age 13 and has never had a job in her life. How can this NOT outrage anyone - yet I know there are people out there who tell me to get over it, it's life, those other people are 'entitled' to our money. It's absolutely vile and disgusting.
Totally agree. My husband has been out of work for 1 year. sm.
In that time he has graduated college. We have applied to close to 100 places with NO responses. I work two jobs (one of which just got cut back). Its tough but I don't ask for help. It drives me to the point of wanting to hit someone when they say "Tell you husband to just get a job". I just took out 30,000 in student loans to help him get a "career" because that is what they tell us to do in a recession but guess what..NOBODY IS HIRING. If you have a job, your lucky, keep it. If you quit your job just because you want state aid, your a fraud and a liar and a poor parent. HOW could you teach your child values, responsibility and work ethic, if you have none yourself.
You're confusing the new QA plan with the new pay plan. New pay plan is still completely under wr
Shhhhhhhhhhh....
Anyone have copay insurance through a national...
out there anymore or are there only outrageous deductibles left to be found??? I sure miss the old days of $15-$30 for an office visit...insurance is just rediculous anymore!
VR pays half of what typing pays...
If you would read her post more closely she said she does VR, which pays half of what straight typing does. I do VR and have made 4 cpl, so 5 is actually good and 4-5 is an industry standard, and may be even less if you are an employee. The problem is that you have to double your line counts in order to make decent money, which is not always easy. I embrace VR because I like it better than straight typing, but it is not productive for everyone, no matter how hard you try.
Visits to MTSTARS...sm
How many times a day, on average, do you come to this website? Just curious.
Chiropractor visits
I take myself and my two boys (14 and 8) to the chiropractor every 4 weeks. It is just to keep us "tuned up". My kids notice a difference in themselves if we miss a month. They actually like going because it makes them feel so much better. I would be concerned about it if they are going every week though. If you are paying for it, you should have the right to ask about it.
9 YO Chiro Visits
As an insurance claims specialist, there are two issues here.
1) Since the mother works for the chiro, it is likely he would not bill the mother for treatment. And, if he did approve of professional courtesy by not charging the mother, then any claim to insurance would be fraudulent in the first place. This will be a policy provision in your own insurance policy.
2) The mother is probably filing fraudulent claims. You MUST speak to the Chiro on a personal and confidential basis. I would either try to contact him by phone, or send a certified letter where only the chiro can sign for the letter. Then you have proof that he received it. It won't take long for the provider to find out if the mother kept the money.
3) Filing a false claim is unlawful and can result in treble damages. You bring it up to your carrier and if it is truly a false claim, you could be entitled to part of the recoupment, if that happens. This could even potentially be a police matter of embezzlement.
4) 50% of all doctor's office will expeience some form of theft by an employee. I've seen it time and again.
No matter what, it doesn't sound right. And since the boy obviously hasn't been to the chiro in a while, it is very suspicious. Since you pay for the insurance and presumably the difference not covered by insurance, you have EVERY right to get involved. Furthermore, just as an innocent bystander, when you know someone is breaking the law, you have an obligation to report it. Don't be intimidated, find out what's going on. Best of luck.
Cyndee Weston
You might try a few visits and then switch to
Massage therapy. I too have muscle spasms in my neck and I have done both chiropractic and massage therapy. I have found that a good 1 hour massage does wonders!! and the effects last longer than what the chiropractor does. Sounds like a luxury but to me its preventative maintenance in this line of work. When I'm crying because it hurts so bad to hold my head up straight I can't very well type!
Limiting MTStars visits! LOL.
But one must check in from time to time throughout the day. Only trouble is, I find myself using that time to also check my e-mail, do a bit of browsing. Amazing how those the clock ticks quickly and the minutes can add up. 
if the average person who visits the doc
Only knew where their private records were going, I think there would be an uproar to say the least.
emergency room visits
I have often wondered this exact same thing. A lot of people go to the ER who have no health insurance or no primary doctor.
I had one woman bring her child in because he made a funny face after eating a sour fruit candy, I mean come on! 
sounds like my clinic visits ... sm
When sick for a visit, have done very interesting things with bodily fluids (including regurgitating on the doc). When rattled, have screwed up HPI and ROS. Have had conversations with other patients/office employees during my visits. Used to take at least 1 small child for every visit (one doc even let her play games on the computer while doing my exam, a tech let her help place EKG leads, and a radiologist let her help "read" a mammogram). Now that the small child isn't so small, have answered her calls during doc visits. They do put up with that and more. Seriously, I'd rather type about a pelvic exam than do one, especially if yeasty. Your post actually made me appreciate the doc more and be more tolerant of the way they dictate.
yes, your cranky; the patient visits are actually coded sm
due to time spent in the room. this is to document to CYA if needed. so remember, the more you talk in the room with your doc, the higher bill you will see. like office visit, regular; office visit extensive, etc.
I have 5,000 deductible
It's more or less catastrophic insurance, however, when I was formerly covered on my job there was a fairly high deductible also. Anyway, I am 53 years old and my premium is 120.00 a month. It's through Anthem Blue Cross Blue Shield. You can bring up lots of insurance information via the internet that does comparisons of different plans and costs based on your age.
Only 50%, 1/2 of SS is deductible
You only deduct 50% of your SS as you are paying that much. Look at your 1040, deudction is 50% of what you paid on your net income on scheudle C.
I have Blue Cross through Webmedx. Office visits are $20. nm
x
Tax Deductible Expenses
We ran a business for years from our home. As far as I know, you can take the base rate of your telephone bill as an expense (which includes FCC taxes) and any long distance calls related directly to the business. As for Home Owners Insurance, you can take 7% of the insurance because you use 7% of your home for your business. Also, anything related to the business such as equipment, paper, tapes or special software programs can be taken as well. If you have to travel to deliver the finished reports, I believe the rate is 28 cents a mile. If you travel, you can also deduct any maintenance on your vehicle. Hope this helps.
IMO no, trip is not tax deductible at all. (nm)
x
Only way trip is deductible is if it is
Like if you are going to an MT seminar or traveling to meet a new client, etc. Working while on vacation doesn't count since you aren't required to work from that location.
When it IS business related, you have to have receipts and legitimate paperwork proving it is work related and that you spent time conducting business. A trip expense like that would be a red flag to the IRS to audit you, so you darn well better have excellent documentation.
I am talking about the QA plan I dont know what the new pay plan is.
:
and don't forget the other 7.5% is deductible off of your income nm
nm
you have it backwards, if you don't go to the doc get a high deductible
having a high deductible will really cut down on your premiums. Say you rarely see the doctor and don't have prescriptions. An 80/20 plan with a $5000 deductible can run you as little as $59 a month, and that has a $500 out of pocket. I have Assurant Health (formerly Fortis), for myself and the kids. For $5000 family deductible we pay about $3000. So the most we will pay in a year is $8000. But at my husband's last job, we were supposed to pay all of the premium for family coverage and they would pay for his coverage. Premiums were going to be $9000. Add a $500 deductible to that and 20% which would probably run another $2000, and a catastrophic illness for one person would be $11,500. $11500 is a lot more than $8000, plus with the Assurant Health plan that is our FAMILY deductible. With the group plan, if one more person got sick, it started all over again with their own deductible. So you have to do the math. Individual coverage for all 4 of us will run us $5300/yr, that is, if they agree to insure my husband. If you have ANYTHING at all, individual insurance will not take you. So keep that in mind too. Insurance is the reason why somebody in the family should have a "real" job :)
depends on age, health, deductible, etc
Too many variables but figure on $350 to $500 depending on the above. All you have to do is do a search on medical insurance coverage in your area and find out.
only one office is deductible -- color coding
I use color coding and have done so from day 1. Have 7 docs and they all have their own color for tapes, letter head, returned dictation, binder etc. They are no longer names, they are blue/green/yellow/red/purple/clear and yellow/green. That is the only way I keep their things separate and for sure know who to deliver to what. Am of the old school and this works for me. Also have a monthly board that I keep track of their tapes and time off and that is also color coded.
Only one office is deductible otherwise you could call your entire home an office.
If you can get it, do an individual account with a high deductible...sm
but in order to get individual insurance, you have to have NO medical problems. They even put a rider on my son's ADD. Premiums for me and my two kids (husband has ins through work) run about $3800 a year, and we have a $5000 family deductible. Worse case scenario, some one gets sick and it costs us $8800. Premiums for family ins through DH's work were $9000 - sick or not. Good luck. I agree - the insurance lobbied that sucker through.
DH is dear husband or any number of colorful adjectives preceding husband. (no message)
;)
home office expenses are still deductible if you are an employee - nm
x
Rules state anything not reimbursed by employer deductible.
/
When you make the copay, make them give you a sm
receipt for the amount you pay them. I know they don't like to do this because it takes time, but if you are really stern and insist on a receipt they have to give you one. Then, the next time you get billed for something you already paid, tell them to look for their copy of the receipt and let THEM do the work.
I totally understand but if your husband is like my husband... sm
When it comes to something like that, that I usually take care of but for whatever reason I can't, I will tell my husband exactly what to do, but when he comes back - to use your case as a "for instance" - I will ask him, "Did the doctor look at his foot?"
Him: "No."
Me: "Did you ask the doctor to look at his foot?"
Him: "No."
Me: "I told you to have the doctor look at his foot!"
Him: (shrug)
etc., etc., etc.
Your husband may not be like that - I sure hope he isn't. And yes, they should have checked his vitals and checked his foot without being asked. But sometimes you have to be assertive with people. And while my husband attained the rank of major in the Air Force and had no trouble ordering people around, there are times when he should be assertive but isn't. And he is not intimidated by doctors - he started his AF career as an x-ray tech (that's how we met). I dunno....(Rad MT wanders off, mumbling....)
THANK YOU! That is my point. She still pays taxes, her DH still pays taxes...
so who exactly is getting cheated? And just who are you talking about when you talk about whether it is "fair" or not. I don't give a crap how much taxes my neighbor pays. It's none of my business. And if I found out they were paying less in taxes than me, I would ask them how they heck are they doing it so I can do it too!
I just want ask, is it necessary to get personal and insult? You disagree with me, fine. But I've been called a liar, a cheat, a no-ingetrity thief, my intelligence has been insulted, and I have had my parenting skills questioned. That is a little over the top. If you cannot debate an issue without resulting to personal attacks, then YOU are the stunted one!
It is a very good thing that some of you work at home, ALONE! You are sorely lacking in people skills and diplomacy. Let me guess, when you worked in the office you were one of those girls who didn't like to share her desk, griped if someone dropped a crumb on your desk, and kept track of everyone's breaks, lunches, and line counts just so you could tattle to the supervisor! I've worked women like you, it was like working with kindergarteners. That's why I came home to work. Do us all a favor, looking in the mirror, count your wrinkles, and realize that this isn't high school anymore!
Mine are in year-round thank goodness! They've started their new year 2 months ago.
x
Union diesil mechanic - good pay, great benefits. We swap year to year on who brings home more sm
money.....but I am an IC and he has all the benefits...health insurance/dental that the company pays for, pension plan, 401k, etc. Factor all of that in and he makes way more than I do.
to cowgirl - Last I knew, last year the job paid $25,000/year no taxes, etc.
The hospital was bombed about a year ago, but not a lot of damage, very minimal damage.
44-year-old WF, M, Texas, 3 grown kids, just had 26 year wedding anv.
nm
nope, still crunching last few days of year to hit my 50k this year. how can you when you haven'
;
Nothing this year. We ALWAYS got a cool surprise in the past, but this year nothing. :-( nm
d
After I went to a 1-year MT course at a vocational school, it was so bad that I did the 2-year colle
Not only did I finally receive the proper training, but the woman on the advisory board hired and mentored me. I also joined the local AAMT and networked. Good luck. I know how frustrating it can be. A community college will have a good program to include medical language, MT courses taught by local MTSOs, business English, anatomy and physiology, pathophysiology, etc.
Straight up!!!!! LOL nm
.
Okay, let me get this straight.
So, Meredith, Star and now Eliabeth are all leaving? And you think Joy's going to put up with Rosie??!? Highly unlikely. Wow, I guess that's the end of the View as we know it. What a shame!
You got that right, straight and
pretty wordy reports. Just not showing up for a few seconds but also audio is jerking along, word....wor....d… word…wor…d
I think he makes $700,000.00 a year, and if they ask him to walk before his first year MQ has...sm
to pay him a cool 1 million dollars. You can check this out at the Medquist website. I think the CFO makes $350,000 a year, and the head of IT makes $250.000 a year.
P.S. This does not include the perks, like expense account, car allowance, sign-on bonus, etc.
Our 16 year old son has been working for a year now to pay for his truck.
He's learning how to sand and do body work and how the engine and transmission go together. My parents didn't buy cars for my siblings and I either. I had a 20+ year old beater car until I could afford to move up to a a newer one.
I see all the nice new cars parked in the high school parking lot every day. It's nice that so many disrespectful punk kids get handed something nicer to drive than what all the teachers drive. Oh, well. Honestly, I think most of them borrow Mommy or Daddy's car or are the child of a doctor who can afford to hand them everything.
Hopefully, my kids will take better care of their cars because they bought and built them on their own. You're not going to grow up to be responsible if you don't work hard for something and expect Mommy and Daddy to bail you out all the time.
Oh, my Dad lectured us on even allowing our child to have a vehicle because Dad didn't have one until after he had worked his way through college, lettered on the football team, got straight As, lettered on the baseball team, yadda yadda. He either walked or hitched a ride. Yeah, well, times were different back then, Daddy-O. LOL At least my kid has the opportunity to work and earn his own car.
IC - 30 hours week, $98K last year. So far this year - 28K. sm
Individual IC - own account(s).
Not me, owed last year, and expect to owe this year- sm
or break even, had more expenses this year. Only owed $200 but still don't want to owe at all. Need to start doing estimated tax payments again so I don't owe! Guess I will get off my butt and do that this year.
I have my facts straight.
Comments by people on message boards don't matter. It's the BBB complaints and lawsuits that back up my facts. Of course, people are going to say good things about a product or service in order to sell, sell, sell. It's called damage control.
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