IC medical insurance

• IC medical insurance - Glynn
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I am looking at moving back to working from home, I am currently 'in-house' working for a hospital clinic but I need more flexibility for my children's schedules.

I have a decent lead on an IC position, but I am trying to figure out if I can find/afford health care.  I really only need catastrophic type care and plan to pay for my own routine care.

Does anyone know of a decent insurance company??

Thanks VT_MT

Well, I am about to use my vision coverage insurance for United Health Care.  Eye Exam 2000 said they only covered 15-20% of the exam, 20% of cost of lens/glasses.  I have never heard of such a low amount covered.  I guess I have the wrong plan.  Anyone else disappointed with United Health Care benefits besides me?  I work for a large national.

Thanks.  I guess I am hoping someone will tell me I am wrong and that 80% of the bill is covered.  That this is all a mistake.

Signed,

Squinting

and Tessier's The Surgical Word Book, 3rd edition.  Books you could buy used I would say would be Stedman's Pathology and Lab Medicine and Cardiology/Pulmonary word book.  These are all the books I use the most during my day.  You could buy other speciality word books as you need them and could probably go used with those.

I wouldn't bother with buying a drug book, new editions come out every year and I just stick to the FDA website and RXList as my drug references.

Also FYI, not a book, but I use my Stedman's Electronic Medical Dictationary a lot.  It's easier to open the program than it is to pick up a huge 30-pound dictionary.

background and anatomy and physiology knowledge, a transition into coding wouldn't be hard at all.  From what I can tell by looking through my husband's books, an MT would have to learn insurance regulations and legalities.  We've basically got all the medical background down or we should be if we're worth our salt as an MT.

I even contacted AHIMA and found that the qualifications for taking the CCS or CCP coding exams are completion of the a coding program, RHIT program, or RHIA or related work experience.  Transcription is part of HIM, albeit the red-headed stepchild of the HIM department, but a part nonetheless and so satisfies the qualification of having work experience.

The test is tough though.  My husband didn't pass it his first time out and I think I read something like only 20% or so pass it the first time.  So it would probably be best to take some sort of formal coding class, in my opinion.

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)

when the MT is paying for it also?  Does that not count for anything?

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...

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. 

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.

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!!!

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.

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.

decent (decent being the key word here) reports to make the require 12,000 lines per pay period, and I would have $300-$400 lines suddenly taken out of my pay, and then it would take several pay periods before I'd be allowed back with insurance that was co-payed with them.

Also, it always struck me odd, that they never raised my pay when I told them to change me from EMPLOYEE to Statutory Employee.  I asked and asked and no answer.

The other day I asked for anything written with description of their policies on insurance, "no" work situations for both Employee and SE, and they denied being able to provide either.

I'd be real careful when going to work for this company. 

Needless to say I don't work for them anymore.  I was left high and dry way too many times, with no contract from them or things in writing of company policies when I was employee.  The contract they sent for the SE classification was invalid and they would never send anything in writing that I cared to sign that represented the conditions they wanted me to work under from the get-go.