I think pre-existing stuff may kick in if you have have no certificate of previous coverage.

• questions about MQ insurance - ?
  • Hello! Pre-existings are usually not too hard when you enroll as an employee, but - MQer
    • I think pre-existing stuff may kick in if you have have no certificate of previous coverage. - You will need to confirm with MQ. nm

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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? 

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.

My pedal never materialized either,but I did get a reimbursement for that.  I finished going on two years ago and never got it.  Seems to me things are going down hill.

IF you paid by credit card, you can call them and try to get it credited back so you will at least have your money.  I would keep calling them...every day if you have to.

CMT= certified medical transcriptionist.  

MTs with 2+ years of acute care experience who pass a test given by the American Association for Medical Transcription (AAMT)are CMTs.  They also need to prove they have accumulated a certain amount of continuing education credits every three years in order to maintain the certification.  HTH.

rear end to get me to work. I go on a week long vacation starting Saturday with no kids and today I did about 1/4 of my normal lines and that might be padding it a little bit. I was too busy looking at pictures of where we're going. Did I mention no kids are going with me?

Before I get comments about why'd I have kids if I'm so happy they're not going to be there. I have 3 teens who act 65, two 13yo, 12-year-old and a 2-year-old. Three are hitting puberty and one just hit the terrible 2's. It will be our first vacation w/o kids in a long, long, long time. After only 3 days here my mom is asking why I'm not bald already from pulling my hair out. Now if work could just pay me to sit and look at pictures all day and daydream, I'd have it made.

Living life like that isn't living life at all.  You need to do what makes you happy.  Never, ever, stay together because of the kids.  Your kids are probably not the happiest children with the home situation the way it is, and you know that he already doesn't want the responsibility of taking care of your kids, so what's the use in having him hanging around your neck like an albatross? 

I was married to a jerk who was very similar to your husband and with 3 children it wasn't easy to manage on my own, but I sure did it and I'm glad I did.  It was difficult getting out of my "comfort" (discomfort) zone and make the change, but I knew it had to happen.  That was nearly 5 years ago now and I am happier and my children are happier.  Dear old dad comes around whenever he feels like it to see the kids and I have his paycheck garnished for child support.

Best of luck to you!

If you say you don't like a certain behavior or comment, it only makes him do it more and more and over many years just to get a reaction long after you have stopped reacting. 

Or who is controlling to the point he wants to know when you showered and why do you need to shower if you didn't leave the house.

Or steals your glory, ideas for inventions or any project you start to say it was his idea and really mean it.

Or is extremely macho and needs to dominate the woman in his life or else he feels disrespected by her.

Or breaks things when he tells you to shut up during a discussion that isn't going his way and you don't.

Or….etc. --

But is happy and smiley face when it's time for dinner to be on the table.

annoyed

I occasionally come on this board, as do some of my coworkers to get help with words, look around, etc.  I've never posted but today I'm fuming and frustrated.

I just got done working a couple of extra hours at the hospital this morning, worked all day yesterday (overtime I might add) and do you know what my job has been on all this overtime? Correcting ALL of the outsource's work coming in.  What makes me mad is that all of us have been complaining to our boss and even to HER boss about all the mistakes this company makes - terrible dreadful DEADLY mistakes - and all we get back is "there is nothing we can do about it.  We signed a contract and we have to continue to use them until the contract ends." Which, by the way, ends in another year or two, I'm not sure.  But anyways, this outsource company (who is WELL KNOWN) does not even make an attempt to do our ESL doctors, who are not really that bad. I know there are harder doctors to understand as I have been doing this for 16 years.  The service sends the reports back with a ridiculous amount of blanks.  We go in and listen to them and basically redo the whole report, to which they get paid for it.  Then there are the easy docs - the so-called "hold your hand while I dictate to you" docs - and the service still has mistakes. 

Our boss has asked on occasion if they are offshoring, which they swear they are not.  It was in the contract that they are not to offshore so they swear they are not and the mistakes don't look like they are offshore mistakes (the hospital used a company prior to this one that offshored - big difference in transcription mistakes).

I just cannot believe that our hospital has had this company for a little over two years and not only are they being paid a ridiculous high line rate, but we are correcting all their reports and they still get paid!! We have asked if we can start deducting lines, but we were told that their contract states that that cannot be done because our boss has tried that.

I have a friend that works at a hospital in another state that had an outsource service that was somewhat like the one we have, only they constantly lost reports and got paid for them, but she just lost her job because the hospital felt that there was no need to have all the overtime for the past year and the outsource service doing the overflow.  So they just hired a new outsource company, let all the transcriptionists inhouse go, and got rid of their current outsource service.  she is looking around for another job now.  She had that job for 9 years at the hospital, and because of the outsource service, the administration of the hospital looked at is as a huge $$ problem and just said bye bye.

I needed to vent. Aaaaahhh, I feel better now, but I'm worried that with all our overtime and what the outsource service gets paid, that I'm going to end up in the same boat.  Even our boss has admittedly had some worries about it as well, but she keeps telling us that her boss says her hands are tied and is just as frustrated with the service.  It makes you wonder how it is that these services can be in business for so long, make sooooo much money and do this. 

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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. 

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. 

so what?  so you jumped through all the hoops, learned the trade and now it is obsolete.  but you got your little CMT to keep you warm and cozy?  employers are going to pay what they are going to pay (as little as possible) and that little certificate means nothing to them in the broader scheme of MT world as it goes into the VR and offshore world. 

oh but mr. national recruiter, i have a certificate and i should have 12 cpl for my skills and education....... bwaaaaahaaaaa. 

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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. 

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.

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.