I had individual coverage - sm
Posted By: mdlfcrs on 2008-02-02
In Reply to: IC's and SE's without spouses or significant others (benefits question), please read ... sm - sm
when I was IC and SE for a while. It was expensive - but now I think it would be impossible as I am older. Considerations are preexisting conditions. My daughter lost her job and has Graves disease. She is 23 years old and was flat turned down - no amount of money could get her coverage. COBRA is costing 380 dollars a month until her new job's coverage kicks in. If you have any preexisting conditions it may be extremely pricey. Also do not let insurance lapse - because anything you might have will not be covered for a period of time - usually a year. If you are young and have no problems and depending on where you live - individual coverage can be found - before my daughter had problems we got it for under 100.00 a month. Our state does have a program for people who cannot get coverage but I have not checked to see what that entails - you might call your state and see.
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I believe it's up to each individual
state government. It's not a federal thing. There are other areas of the country that don't do it as well. Not many, but a few.
This individual is not someone who transcribes on
a routine basis, she was more like an account manager who assigned the work and now is assistant director of operations, I think, so I doubt she would have a stockpile of "normals" she made for herself on any account, nor have a super expansion file. Which leaves 1 explanation. I worked with her when she was at another company and she never typed there, more like a clerk-typist position.
How about the responsibility of the INDIVIDUAL
You've totally missed the whole point of the article!
It is a very individual thing...
No one says she needs to look in the casket. I personally cannot look into an open casket and people seem to understand there is no need to force me. My comfort level is not the same as other people have. It does not prevent me from paying my respects to the family or showing my support.
The individual who is now the president of
the insurance company association (whatever it is called) is Mark Racicot, who was Bush's right hand man and head of the RNC. They do not care about the welfare of people, just their own pockets.
yes, but how old are you that you can get individual ins for $59/month?
x
Obviously a sick individual, but
is he just saying that to get attention. They don't know if he really did it. Only the tests will show on the DNA.
That depends on the individual
When I worked in-house one of my coworkers was a lady with 15+ years experience, and had attended a transcription school prior to that. She had a sad tale to tell - she once decided to leave the hospital and work at home. The ESL dictations did her in, within a couple months she came crawling back to the hospital (and lost all her vesting and retirement over it, busted back down to a newbie there). The doctors at that hospital were mostly ridiculously easy, and that's all she could handle.
On the other hand, I never attended a transcription school, but learned on the job. After 3 years inhouse, I started working from home. I refused to let the ESL win, and gritted my teeth and kept trying. Now I can do ESL because I refused to be intimidated by it. I think its all in your mindset, how determined you are to learn and how determined you are to stretch your comfort zone. It has nothing to do with schooling OR experience in some cases.
IC's who pay for their own individual insurance
Can you please recommend a dental insurance that is a good one and affordable? TIA
Thanks, but unfortunately this individual has no other option.
She uses wireless high-speed now for internet and her company has told her that their new platform won't work with that. She's "a little bit country", so has no cable or DSL service.
Individual MT usually has to purchase it ..
--
I think it depends on the individual. There
are 48-year-olds who are in as good of shape as any 25-year-old.
I think if you feel you are up to it, age doesn't matter. I was thinking about it myself (I'm about to be 45).
48 is still young! You'd graduate in 2 to 4 years and only be 50 to 52! That's still at least 15 years before you would retire.
Good luck with your decision!
coverage
I think it's great to see a thread discussing this subject.
However, when it comes to "prejudice," it has always been with us, since the beginning of time. It is a human problem, not a white American problem, as so many people seem to be saying. Some of the most prejudiced people I have encountered in my few decades of life have been non-whites. When I lived in Latin America, I learned that brown-skinned people discriminate each other based on how light their skin tone is - the lighter the skin, hair color and eye color, the more prestige they had. Some of our U.S. African-American soldiers were called derogatory names by the Somalians when we were over there - a real eye opener for them. They thought they were "going home" and then were assailed with hatred and expletives because of their dark skin.
We all need to guard against letting our attitudes harden our hearts towards other people. It is a life-long process. I recently realized that my financial concerns because of income loss from this job of MT - with losing jobs to overseas, the foreign-born dictators making it so hard to earn a decent line count - were hardening my heart towards immigrants. I am in the process of reassessing my attitude and thoughts about that. I don't want to turn into an angry, hateful, bitter old bigot.
Coverage
That is the one problem with own accounts. After three days to Tahoe-Reno I came back to 14 tapes as no one wanted anyone else. But am thinking of taking nearly a week off later this year and so I would like some coverage. I used to work for a small local MTSO here as an IC and still keep in touch and I might see if there is someone there that wants to do an extra tape or two during the week I am gone. Also see if there is a chapter of local AAMT in your area -- and I am not sure if it is the national AAMT but here in Portland there is a group of MT's and I got a list of names from them who will do back up and overflow. I haven't joined but have talked to a few people there and we do some networking. I have been doing this for so long in the Portland area that I continuously run into people that did either the OHSU account I did or worked for one of the offices previously, etc. It is a small world. That is also how I get my people contact. Also run an ad in the paper well ahead of when you are going to leave. But there is always the fear that they could "take away" your account but since most of the gals that have helped me out I used to work with -- I don't worry about that. And you know how it is the first few days on the account -- you don't do that well so they are either ready to kill my docs since I am so used to them or the office says -- "don't ever leave again" because that person does things different that we all appreciate each other immensely when I get back. But there are ways, just gotta put a little effort into it. They don't need to do it all but I came back to 14 tapes and if I could have had half done, it would have been nice. Good luck.
What coverage?
 say what?????
Since your lender is an individual and not a company
I would get an attorney immediately who can tell you what to expect and what your rights are. It should be a nominal consultation fee and you should take with you a summary of your payment history and all the papers you signed at closing.
I had an FHA-backed loan with first-time bond money and my mortgage was sold from my original lender (Union Planters Bank) to a mortgage company. FHA bought me more time and lessened the financial loss for me greatly (they have stake in that - they WANT you to stay in your home) and were of great help.
I also at one point was in such emotional turmoil that I went to a local realtor, sat in his office in tears and told him I did not know what to expect. He spent 45 minutes with me and I learned more from him about what I would actually see happen than from anyone else I had talked to.
I was served my intent to foreclose from the mortgage company and it took about 6 months to actually get through it. I was served the papers announcing the foreclosure auction at the Courthouse on MMDDYYYY date. I went to the courthouse and there was a man standing (literally) in the parking lot and no one else around -- all were inside doing normal business. I walked up to him and asked if he was from BLAH mortgage company. He asked me if I had a gun (hahaha) and I was SHOCKED. Of course, I said no and looked at the courthouse - thinking some crime was happening and pulled my cell phone out to call 9-1-1 (the police station is ACROSS THE STREET...lol). He said most of the time the owners show up with guns and he's even been shot at doing this. LOL
I told him that I had dealt with the loss months ago; they were taking my house - not my children, my job, my life...just my house...and that since I just could not afford to keep it up and repair it, etc., that I would be relieved and better for it in the long run. We talked and he told me that since no one showed to bid, that the mortgage company now officially owned it. I asked him how long I had to get out; he said that I would receive a notice in the mail but to be out by that date as they would literally come in and change the locks and secure it. I told him I would be out before that date and he said to lock it up but leave the keys on the kitchen counter and call the attorney (for the mortgage company). I did just that; I also immediately contacted the company I had my insurance with and told them (got a lovely refund from them for about $360 which helped me move -- also sold virtually everything I had to get out and start over). This was all last year in January 2004. This year I received a paper to file with my taxes where the difference in what I owed and what the buyer (the mortgage co put it up for sale and it eventually sold) paid was forgiven so I did not owe anymore on it.
I have forgiven myself and we now live in a nice clean apartment that is 300 sq ft bigger than my little bitty house. I have an apt mgr to call if something breaks and I don't have to fix it myself; no more lawn work, etc. For me, it was the best thing that happened.
It will be off my credit history the same as a bankruptcy in a few years. I am happier. I learned a lot. Good luck to you. Write me if I can help you deal with the emotion of it at all.
I think it depends on the individual's experience.
I have had no problem with MQ and don't agree with anything you have said. If I felt that way, I wouldn't be there anymore, nor should you since you feel so strongly. I have nothing but good things to say about MQ.
BCBS. Individual policies.
.
An Individual Education Plan
For my child, his pediatrician had us go to Babies Can't Wait (in Georgia), but because he was 3 at the time, they referred us to Gwinnett County Public School System, who performed an evaluation, diagnosed autism, and we now have at least annual IEP meetings to layout the plan for next year (can have a meeting at any time if goals need to be changed, etc.). This is an educational evaluation, not a medical evaluation. They then, of course, recommend a medical evaluation.
Depends on individual case
Mine was $15 per month, a friends was $20 per month. Her program was for 3 years while mine was for 5 so perhaps that's the difference. Well worth the money though.
They do offer individual plans, but they are SM
similar to my insurance at Spheris. A very high deductible, many out of pocket expenses, no prescription drug coverage. Basically, will cover hospital expenses. However, the most out of pocket with them was $5000.00 per year; with Spheris it is $10,000 per year. I believe it cost $250.00 a month.
You could look into it.
The 2 posts by the individual have been removed. (SM)
They were advertising for other sites. Please report such posts when you see them. Cher/Moderator
It is up to the individual person and their circumstances
Personally, I could not afford to wait three months and "hang on." I have bills to pay and children depending on my paycheck. I just left a job where I "hung on" for 6 months and it was the worst thing I ever did. And guess what, I am not even putting this place on my resume because the place is an embarrassment. I am putting that I did IC during that time, because I had to do that to supplement my income. Saying tsk tsk you did not give it long enough is like saying tsk tsk you did not try that relationship out well enough or long enough, when the signs were there that you were being battered. Personally, I say trust your instinct. Communicate professionally with your supervisor and point out about the equipment, and the set up not going well. Have a good self-esteem (don't put anyone down) and let them know that you are seeking a mutually-beneficial business relationship and you'd like to have your concerns cleared up. You may do this is a nonthreatening manner. Then, sit back and see the way they react. If they treat you like a dime a dozen, then you will be less than that after 3 months, trust me. If they fix the problems and tend to your needs, then you will probably want to hang on. That is IMHO. And from personal experience, I have made the mistake of "letting them work it out with my waiting" and guess who got screwed, and it certainly was not them. Good luck in what you choose, but only you can know what is important to you. Trust that inner voice which is telling you what you need to do for you.
I think if MT went back to each individual hosp, and NOT MT co's,
Thanks, we already have a used car without full coverage.
The payment's not that big on it, except when there's a mixup at the bank and they deduct one check twice with the same amount and same check number. It just feels like the money mojo magnet is gone from my life this week! LOL Everything seems to go wrong all at once.
Vacation coverage
I have five accounts and two I have IC's who work for them -- psych accounts no problem when I leave town. But my other three, have asked that I have NO ONE work on the account but me and they hold the tapes and I do them when I come back as fast as I can and sometimes wishing I had not taken time off. No they work with me but then I don't take off much time and when I do it is usually a couple of days and the weekend so we are all not stressed. If I were to have surgery or something I have friends that would help out and the accounts realize that it would be necessary. That is one of the drawbacks of having your own accounts. No work --no money. But it does make you appreciate your time off.
If you are looking for single coverage, you
S/B able to get something reasonable. If you're looking for family coverage it is doubtful you would find anything under $350.00/mo. You might want to look into medical savings accounts. You have to qualify for these and I'm not sure what the criteria is, but Google it. If you are a non-smoker and have no pre-existing medical issues, aren't grossly overweight, and not planning a baby anytime soon, you might want to look at getting mainly a major medical plan that would cover you in event of hospitalization or something catastrophic, and just pay routine care out of pocket.
We currently have insurance through DH job, but when I was looking for independent coverage Celtic had the cheapest and then Medcost was the next cheapest. I called several agencies and they all quoted me on Medcost, but the premiums varied as much as $200.00/mo. BCBS has something caled Blue Advantage that you might want to look at. I hate BCBS because they are such a pain to deal with and deny a large percentage of claims, but it might be an option.
If you have private coverage on yourself, you would not--sm
need workers' compensation on yourself. your private insurance would cover anything happening to you. If you have employees, they may need it, but only if you offered them employee insurance benefits. JMO.
Individual Health Insurance Policies
I am going to be purchasing my own health insurance policy for myself and my son in the next couple of weeks. I have gotten a quote from BCBS already, but was wondering if there are any other health insurance companies out there that offer good benefits at a decent monthly premium. Just looking for some suggestions.
TIA!!
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.
I saved the individual glossary as an attachment
and then emailed it to myself at my yahoo address. Then I could log onto yahoo email on the other computer, save the attachment to my hard drive and then use it with the IT program installed on that computer. I also email a copy of my glossary to myself at yahoo about every month or so (hotmail or anything web based would work) because if my hard drive ever crashes, then I have a backup of my glossary that has nothing to do with my hard drive and I won't lose months and months of additions. If I add a bunch of expansions at one time, then I email a new copy to myself more often. Hope that helps.
Work both jobs until you get new coverage or
buy your own policies.
It is a choice and you're making it.
If you're going to stay in hell, please do not complain about the temperature!
Diskriter needs weekend coverage - nm
no msg
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!
medical insurance coverage
My dept. here in radiology transcription is possibly going to be outsourced. I have been looking at possibly working at home for an agency if this happens. I have done some looking and found that alot of agencies do offer medical insurance, but does anyone know how good it is and can you cover dependents? Any information would be appreciated.
Offer vacation coverage (sm)
I have offered just coverage for vacations, etc. and have networked that way, but I know that is tough when you are full-time from home and not in a medical type setting. I think it is a shame that more do not frequent the State Boards here. I like hearing everyone's opinions, but if the State Boards were frequented more, I think we could all really network a little more. I'll scratch your back, you scratch mine type of thing. Most people do not like to do that because they are afraid you will take their account, but I believe in being trusting, and that is bad karma! JMO.
Whatever you get, just make sure there is no break in coverage or (sm)
pre-existing conditions will not be covered. Check archives. People in the know.
So this does qualify as continuous coverage, right? Thanks for your help. NM
sss
Just give up...no point in reasoning with an individual who does not want to understand. nm.
nm.
My head is not in the sand - I am a very wise and "shrewd" individual
as far as jobs go. You are entitled to your opinion; however, Dictaphone is not the best VR software out there. I work on the best, and believe me, the hospitals will need MT/editors for a long time. Maybe not 30 years, but I make enough money to put at least 4K away a month, so by the time I can retire, I will have a hefty savings account to live on.
I am getting while the getting is good!
Good luck with your nursing career!
wants to work weekends and they need weekend coverage.
Most companies now are going a Tu-Sa shift of Sun-Thu. Clinic work usually is M-F.
Caught a bit of it on Fox ticker but no live coverage..
yet. Where do you live? How horrible for you and all the kids to have to go through a nightmare like this :( Our thoughts and prayers are with you all!
I only have single coverage with them. but as I recall from the literature it was about
$500 a month or so, maybe a little less. Give them a call or e-mail and I am sure they will tell you.
If you keep it digital, it will be much easier to find coverage (sm)
if you have to leave town or if you go on vacation. I use the TASP on the sticky note above (MetroScript) and when I went on vacation I simply told all my docs I would be gone for that week and they all agreed to hold the dictation except for one. That one account I did on vacation because all I needed was my laptop and an Internet connection to do the work. It was a very cool solution. Additionally, if the work is digital you have a much larger pool to choose from when it comes to getting someone to cover for you. You're not bound by any geographic restrictions. Hope this helps!
Any idea what the premiums are for family coverage
??
Even if she doesn't need it during that 3 months, she needs it not to have a break in coverage if
xx
You'll have to go to their websites and see what the coverage area
is for each. That may eliminate some choices. You can also view their plans on-line. As far as I unknow they are unlimited and the monthly fee is $60 to $70. The cards can cost as much as $200, but they often run promotions if you sign a 2-year contract. Lots of companies do not allow wireless as it is not secure.
Health insurance coverage question...sm
I just started a new MT job and will get health insurance when my benefits quick in. I want to put my husband on my insurance. My question is- he has spina bifida and I am concerned that the insurance company will deny him coverage. Can they do that?
Thanks
Radiation Oncology vacation coverage
Does anyone out there with a private radiation oncology account want to exchange vacation coverage? I have three doctors in a small clinic, average 600 lines a day. They are very particular about quality and need 24-48 hour turnaround at the very most. DSS digital voice files, and all three very good dictators--no accents. I really need to be able to take a few weeks a year and some long weekends here and there and would love to find someone in a similar position willing to exchange time with me.
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No belly. Full coverage, as previously stated.
I did not say I looked like a teeny bopper or hooker. I said I traded my stretch shorts and t-shirts for denim shorts and a tank top. Yeah, the shorts are somewhat low rider because they don't come up to my bra like the stretchy shorts do, but they've got a full rise that covers the crack and belly button.
Oh, no! I must be a wanna-be trampy teenager! Maybe next I'll go out and get some red satin thongs, a belly button ring and a butt tattoo because y'all are jumping on me like that's what I'm trying to do. If you can't understand the concept of "full coverage", stay out of the conversation.
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