IC's who pay for their own individual insurance
Posted By: sm on 2008-10-22
In Reply to:
Can you please recommend a dental insurance that is a good one and affordable? TIA
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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!!
I bet other insurance carriers have insurance for their employees. Why not Wal-Mart? nm
:+
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.
I had individual coverage - 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.
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!
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,
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.
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!
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Insurance
If you don't have insurance (dental, vision, prescription, chiropractic, and some locations medical) and don't have a lot to spend on insurance, ask me what I signed up for if interested.
There's a lot of information to tell and I don't want to ramble on if no one's interested.
Talk to ya later,
Andrea - Medical Transcripionist (Nashville, TN)
How can MQ take away the insurance
when the MT is paying for it also? Does that not count for anything?
Insurance
I didn't mean they were taking it away. What I meant is taking it over not making quota. Sorry.
wish I could help on that one - I have no insurance, however, -
I work for one of the TOP docs in NYC who is internationally known, so whenever I am sick, he has taken care of me, called in favors from other specialists, etc. The only bill I have to pay is the lab bill. If you work for yourself, that might be a route to go. I even got my bill at NYU Medical Center 75% off!!!
At one time Aetna was pretty good as far as rates for individuals.
Pet insurance....sm
No flames please, but how do you go about getting pet insurance? When you say "pretty inexpensive", what range are you talking about? Please, any info greatly appreciated. TIA
UPS insurance
I have sent packages via UPS that I have packaged myself and was still covered under their automatic $100 worth of insurance. I wonder if someone at the UPS store is giving you incorrect information? I had an ebay package damaged and they paid for the item even though I packaged it myself. Can you call the main UPS number and ask someone else?
Insurance
I am just curious about liability insurance for people that have IC status. Is it required and if so where can I find out some info on this? TIA
IC insurance
I have researched this myself and found that going through your local Chamber of Commerce is probably the most affordable way to go. If you become a member you are then eligible to get a good rate in health insurance and they offer many different options including HSA (health savings accounts). Check out different Chambers near you though because the membership fee can vary.
Insurance
I have a liability policy for which I pay $164 annually. This does not cover errors and omissions. For this type of insurance the cost would be sky high, or so I've been told.
insurance
I agree. I've had mine for 9 years as it was required and I've never used it. The only use it is, is for a write-off as a business expense for me.
insurance
there are several companies who now offer individual plans, depending on where you are, I had BC/BS - paid higher premium because I wanted good coverage, but can usually find something for around 100.00 a month if you don't have medical problems, copay for prescriptions may be 30-35.00.
insurance q
If you're someone with few health risks (non-smoking, etc.) and no major illnesses, you can probably get a good policy with any one of the major insurers, but ask specifics and shop and compare. When I was working as independent I tried to get one myself but they want to often put you in a $5,000 annual deductible which means you really have to get bad sick or hurt to even really see any benefits paid on your behalf and sometimes if you have a common condition like thyroiditis they would put an exclusion in for the first 6 months to 12 months that you have happen to need surgical treatment for that condition, i.e. thyroidectomy, you are practically on your own because it's pre-existing. I would suggest first applying for low-key health insurance, say $50,000, and then along with history-taking, they generally do a blood draw and EKG, along with perhaps even an HIV test among others, then you've got some "evidence" if you will of your health status before applying for major medical. Then decide later, if you are approved that is, if you want to keep the life insurance as you go independenty, or get life insurance and health insurance with a prospective employer if you happen to go that route instead of independent. This way family considerations also are taken into account. Overall it's best to go beyond the hand-outs which look so colorful and shiny with smiling faces, and look at the contract benefits, exclusions and limitations of any policy, which they hesitate to show unless you pay your money first. Hope you find the right one.
Insurance
I need to find out if Errrors and Omissions insurance is needed for a contracted medical transcriptionist?
Please let me know if you carry it and how I can obtain it?
Thanks...
insurance
No you do not need it and if you did, error and omission insurance is VERY expensive. I work for a company who requires general business insurance (tho I don't know why) and it costs me $168/year which I write off as a business expense but is still a waste of money in my opinion.
PIP INSURANCE
Everyone who lives in Florida should be aware that the PIP insurance as we know it is soon to expire on 10/1/07. Please go to the web site http://www.wpbf.com/index.html. In the center, scroll down a little in the middle is a survery that asks Do you think personal injury protection (PIP) should be eliminated? Please go on line and vote NO. Send this email to everyone you know. We want hundreds of votes.
Also, please send a letter to Governor Charlie Crist,o to Speaker Marco Rubio and Senate President Ken Pruitt. You can find their email addresses on MyFlorida.com. It is very important that they add this to their agenda on 6/12/07 for their special session.
Thanks for your help.
Insurance
I was in a similar position, needed insurance for just a short period until new insurance kicked in. I went to the United Healthcare insurance site and they have "gap" insurance that you can use for anywhere from 1 to 12 months I believe. It sure beats the high expense of COBRA and should get you through.
insurance
Yes, unfortunately I do know what happens! My husband has no insurance, but usually gets care through the VA. In April, he had an emergency, ended up with a pacemaker, a gazillion tests, doctors, two hospitals, ambulance, etc. Over $59,500.00 out of pocket expenses. If the VA does not pay (it is with their review board), we will be paying until we die. Some are taking as little as $25.00 a month, others are waiting for VA and then may reduce the charges somewhat. It is very scary to be without insurance. Try to get something for major hospital stays, surgeries, etc. Also, short term and long term disability are good. If you have any type of chronic condition, forget it. I have diabetes and hypertension both - cannot get coverage anywhere - I have tried several times, so I can be flexible/part time. Good Luck and God Bless You.
E&O Insurance
I bought a policy from State Farm. It cost me $257 for the year. I really have never heard of being able to cover it from home owner's policy, not unless it is for a small amount. My policy consists of $250,000.
I would call SF and ask them about it.
Good Luck!!!
E&O Insurance
Are you a contractor for the hospital? First, you need to make sure you know what limits they are requiring. If they are requiring E&O ins., then they should have something in writing about the limits. This is expensive insurance. I used to be a CSR for an insurance agency.
It's not something that can be obtained through your homeowner's insurance. Homeowner's insurance is occurance-based general liability (and property) insurance, whereas E&O insurance is claims-made liability. Specifically it covers you if you get sued because of an error or an omission that you do that causes harm to someone.
It surprises me that the hospital is requiring it, though. The doctors have to sign off on the reports that you type, thereby removing the liability from you and placing it on themselves.
E&O Insurance
I believe that $100,000 is sufficient, but I believe that most companies do not want to be involved in a lawsuit if something happens. They only want the contractor to be responsible.
Insurance
Why not just contact Aetna directly? Blue Cross/Blue Shield is pretty approachable. They will send you brochures detailing their policies.
Insurance for ICs
What insurance co. does anybody use as an IC? I will be having to find something soon. Thanks
Insurance for IC
If you're 50 or older you can get ins. through AARP if you're a member. Premiums aren't great, but probably better than most private polices.
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