I would read your health ins. policy
Posted By: At Home MT on 2006-06-24
In Reply to: This is not legal - just me
My husband's policy specifically states that even if a married couple get separated the spouse no longer has insurance coverage! The coverage definitely stops, on my husband's policy, when a divorce is final.
I would want to read a copy of the health ins. policy for sure. Just my 2 cents. :)
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Health Insurance policy for 2006
is now charging a supplement payment for smokers and those that live with smokers. Does anyone else have this policy or getting for the next year? This not through MT companies.
Read the policy and procedure manual, maybe something is in there.
I do not believe there is a law, but you could check with the labor department.
Policy (SM)
There is policy about this.
Please write the Administrator about this (admin@mtstars.com).
Goldbird
I think the policy is
as long as they have an American office (storefront) they are still considered American and they do not allow offshore MT's to post resumes - but that is an I think.
If only this policy was followed with consistency, now that would be new!
x
It seems like you have to ask the company what their policy is (nm)
x
you may have been sold that policy
it doesn't mean you could have collected on it.
Yes, came from hosp. If was co. policy, they
x
Check the policy. It says......
unlimited long distance, person to person, then you will get busted. It may take a little while but they'll get you. I learned the hard way. I used Vonage and it worked great.
Honesty best policy
I don't think it would reflect badly on your son if you're just honest with the person who hired you about not being able to be on your feet for so long. I would suggest telling him/her that you didn't realize how difficult it would be to be on your feet for so many hours and that you've made a mistake. I think everything should work out just fine in the end :)
If it is your company policy, then you have
to do it. I would keep track of it though, check for errors, etc.
Not if you have a company policy
I never said it was an insurance policy. Are there not programs set
up for a reason? Is there no government assistance programs set up so that people can get help momentarily when they need it? I am not talking about depending on it. I am talking about OUR tax dollars going back to us during a time of legitimate NEED, not out of laziness. Do you think they are better spent in Iraq or a lot of other bull crap spending that is done on people not in our own country? We pay for this! No we don't have to expect our government to help us in times of need. Move to freaking Africa. Those views would fit in real good over there. I hope your kids go to private school. Wouldn't want the government taking OUR earned money and spending it back on us.
Deletions are made according to policy. (SM)
If you have a complaint about a post, take it to the Monitor board.
Goldbird
You'd be better off getting a private policy. Premiums are
cheaper, though still expensive, and you don't have to worry about insurance if you make a job change. Shop around, should be able to get a family policy for about $400.00/mo.
Or try to get the kids a separate policy
xx
Fair Access policy
I have DW7000 professional and even with the extra download and upload capability they will still shut me down if I go over their limit. Also I am on SatMex and have had occasional trouble as long as I have had the system. Sometimes I just want to run over the dish and modem with my Jeep!!
Each company has their own policy for how they handle it.
I only worked for one company that deducted and that was YOG. There is no industry standard, at least that I am aware of. I'm going on 6 years at my current company and have never had a deduct.
That depends on the company's policy.
Each company defines it's own policy. Most all do pay it out but since offering paid time off is not mandatory by any federal or state government, there is no mandate that a company HAS to pay out any accrued but unused paid time off.
Your Human Resources or Benefits Department will be able to direct you to the policies that govern this for your employer.
Ex-HR'r
Official policy puts it best . . .
from the 2002 AAMT Book of Style:
"Obscenities, profanities, and vulgarities do not belong in a patient's record unless they are part of direct quotations that are essential to a report."
In 20+ years of transcribing, mostly psychiatry, with, as one might imagine, a lot of profanity, I've always just typed whatever the clinician quoted the patient as saying, and have never had a complaint.
Good luck,
CTT
Advertising policy of MTStars...
Many of you haven't noticed Advertising policy of MTStars lately.
http://www.mtstars.com/advertising.htm
No more sponsorships from MTSOs etc. The truth is being spoken on these boards and it always hurts. You can't remain sober if betrayed by some company or individual. You would have been speaking the same way if you were in their shoes.
I love MTStars for being unbiased (what people say nastiness). It's not like MTChat or MTDaily etc., where the posts are deleted and board owners are instructed to keep their & posters mouths shut for annual sponsorship of $500 by MTSOs.
It's the advertising policy of MTStars..
Many of you haven't noticed Advertising policy of MTStars lately.
http://www.mtstars.com/advertising.htm
No more sponsorships from MTSOs etc. The truth is being spoken on these boards after change in administration and it always hurts. You can't remain sober if betrayed by some company or individual. You would have been speaking the same way if you were in their shoes.
I love MTStars for being unbiased (what people say nastiness). It's not like MTChat or MTDaily etc., where the posts are deleted and board owners are instructed to keep their & posters mouths shut for annual sponsorship of $500 by MTSOs.
Looks to me like this is the current policy, approved 10/2004, and
nm
Well, my life insurance policy is worth more than I am,
especially the more I try to make MT work for me. Oh, well. It used to be a lot worse. I cut up my credit cards and made power payments on those. I have my first credit card now in 10 years. Yours isn't bad. You can do it.
The national I work for has a no blank policy. sm
Plus you have to have 90% no blanks to QA to get bonuses and to maintain full-time status. This is very hard sometimes with some of the dictators that dictate from across the room, while the ward is going ape, and this all right next to the telemetry monitor and the ringing phone or at home with the yapping dogs in the background.
But I have found our QA to be forgiving and understanding, so I am getting more comfortable. I think they have a high standard so we will step higher, but they understand the reality, which I think is good.
DH says he definitely would not go through what I go through to be sure there are no blanks, but I am hoping that in time it will get easier, and I will get more productive, and I think it is.
OUCH! I had a private policy with BC/BS for $180/month sm
and it was a pretty good plan -- Affordablue -- had a $25 copay for office visits or something like that. That was just a single plan, though. It included dental coverage too, bot other than covering for routine cleaning and such, it was kind of useless when paying for crowns and other "big" items.
Sounds like you have a good deal. Fortunately, I am working for Transtech now and have affordable insurance .. whew!
I know you are looking for BCBS, but my United HealthCare policy SM
will allow my kids to stay on until they are 26 if they are not married and still living at home, whether they are in college or not. I double checked about it, and it's true. Also my dental is the same way but a different carrier.
If you leave one job and get a so-called bridge policy for your SM
90-day waiting period at your new job, this this also qualify as no break in coverage.
I'm getting ready to switch jobs, and there is just no way that we can afford the Cobra payments.
From my experience, they only offer a policy that pays...
cash for time spent in a hospital. Unless things have changed, I don't believe they have "regular" health insurance policies. I wouldn't buy from them anyway - they did a hike on my car insurance to over double one year about 5 years ago - I went to another insurance company and saved enough to cover my homeowner's insurance. They talk a good game, but it's just that - talk! You might try Anthem - I see them advertised on TV a lot now for individual policies. Good luck in finding something!
What about just a catastrophic policy in case something major happens?
Anthem I know has some cheaper high-deductible policies. Most nonprofite hospitals also have organizations to help with medical bills for the uninsured/lower income patients.
There was no announcement of this policy change? Sounds like it's time to go. nm
m
I'm with you on the illegals, but paying taxes is not an insurance policy.
x
I do not carry E&O insurance, but I do have my equipment covered under my HO policy.
My office is in my home and, God forbid, there should be a fire, I'd be out of business. I have coverage for my computer, printer, fax, phones and loss of use on a separate rider. Also, should anyone injury themselves coming or going from my office while doing business with me, their injuries are covered. Perhaps this is the information you're looking for.
Times change..including this policy about who is able to post. About a year ago,
this board started letting everyone post job openings, at least to what I can remember. I know at one point if they were India-based/affiliated etc..then they could not advertise but since anymore it is so rampant with companies being associated with India, they started letting them post. I could be wrong but this is what I recall.
Yes, it does constitute "creditable coverage." The only policy I found that was not considere
short-term policy. As you can tell, I've done this A LOT... So, I've hit every scenario..
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?
In 12 years of MT'ing I've never re-read an entire chart. Edit/read as I type. nm
x
Yes, I read your post, and I just re-read it, and I've copied and pasted for you in case
you've forgotten your own words! Your post above is 100% different "flavor" to it, now all positive and cheery! Your first post was 100% doom and gloom every which way, including "raining on your parade", and "if you want to go forward"...God, sounds like she's talking about jumping into oncoming traffic! Here is your quote:
My first boss (the one who hired me as a new grad) gave me some words of wisdom that I haven't forgotten. She said that transcribing at home with small children NEVER works under any circumstance. Either the work will suffer or the parenting will suffer.
****
How can the word "NEVER" in caps be interpreted in any positive way? You took about 8 paragraphs to cover every aspect and completely dash this poor woman's dream. I'm not blind, I'm not talking about day care at all, I'm talking about the total negativity of your original post! You know exactly what I'm talking about, cause you added some sugar to your second version! And that's much nicer than the first!
Oh I've read that site and continue to read it...sm
I agree...much motivation there. I have tried to quit numerous times in the past and did successfully quit when I was pregnant for the first time many years ago but I have never managed to summon up the strength or resolve to stay quit. Thus the "need" for a financial investment in my efforts. It somehow makes it more motivational to know that I have $$$ invested in this effort over and above the $$$ saved on cigarettes.
Who had time to read?LOL I only get a chance to read This Old House once in a while. (nm)
x
I didn't read the other posts but just read this
My daughter got pregnant at 17, said she wanted an abortion but BF didn't. I have a wonderful 2-1/2 yo grand daughter that I don't think I could live without...and now, guess what? I don't. I have custody of her. She was dropped off on my door, I got court ordered temporary custody and final custody hearing in a month.
I'm single with no family support. I had just taken a new MT job one month before this happened and they have been wonderful during my adjusting to being a mom again and I hope I can resume a normal schedule by next week.
I'm passing no moral judgments or giving moral advice. The situation is what it is. My prayers are with everyone involved.
Definitely an eye-opening read. Having my teens read it, too. nm
s
Health Ins
I also have a high deductible and a medical account that I put money away pre-tax dollars to pay for partial deductible, dental visits, contacts, etc. But my insurance even with the deductible still pays for office visits with a co-pay and most of my docs that I work for will treat me at a reduced rate, give me samples, etc. So it is mainly if I have a heart attack, broken leg, etc. I figure I can always pay the $2000 but not the $10 K. I am 59 years old. I also have a self employed retirement fund that this year am contributing 1,000 a month to. Also putting money into my house for my retirement. All of this is off what my company makes and so I do not have to pay the 15.75% to SS for it and so that helps to lower the cost for me. You can do it, you just have to figure out how to and if that means driving an older car or not buying as many clothes, I just do it. I won't have much when I retire dur to late age divorce but I will make it on my own and still have some fun.
Health Ins.
Are you applying for a private ins. policy. Are you currently covered under a Cobra or group plan?
Private policies can and do deny you for smoking. If you are currently covered under Cobra which has not yet expired you can apply to the same ins. co, and they can't deny you coverage (if you are currently covered with them now)*** That is the big "IF".
those of you that have independent health
insurance, what companies are the policies with? i've done the quote thing with a couple online services that quote several companies, but i've heard of very few of the companies that reply. does anyone have mega? or heard of nase?? or even which companies to avoid would be extremely appreciated. (i'm in indiana with 1 child).  TIA!!!!
Re: Health insurance
Of note: When I was working in a doctor's office, we had a patient, who went to a hospital ER approved by her insurance, unfortunately, the doctor treating her did not accept her insurance. It was still in litigation the last I was aware. So tell me; how are you suppose to protect yourself in this instance....say you are comatose or unresponsive upon arrival....???
Health Insurance
Does anyone have any information on health insurance for ICs? I am a new MT and have only been working for three months, and unfortunately the company that I work for does not offer benefits. If anyone has any information I would really appreciate it.
Oh! By the way I know about Blue Cross Blue Shield, and will not consider going through them. They are way too expensive and they do not cover any pre-existing conditions.
health insurance
I'm afraid your stuck honey! There are NO companies that provide health insurance for ICs. Sorry ):
Health Insurance
I just enrolled my 12 year old daughter in an AETNA insurance plan. They offer plans just for children and offer 3 different HMO's. I picked the best of the 3, with a 10.00 copay and no referrals, for $105.00 per month. Can't beat that!
Health insurance - HELP?!!
Does anyone know of any health insurance I can get? 55-year-old MT (good health)& asking through web and/or phone is a nightmare. Does anyone have GOOD health insur. for a nominal cost? (& dental/vision if have). A few yrs ago I heard of some "upcoming" health ins. for MTs for 1-200/mth (!!?) but never heard again. I really need health insurance. Please help if you can; am sick of brokers & agents who do nothing but give the runaround. Currently in San Diego but may go back to KY next year (home). Thx again!
Health shake s/m
in my blender little bit of wheat germ, little bit of oatmeal, hunk of soft tofu, couple pieces frozen banana, half orange, pineapple chunks or other fruit of choice, canned or fresh, about a glass of apple juice. Whirr in blender for a minute or 2. Tasty and nutritious! 
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