If you can get it, do an individual account with a high deductible...sm
Posted By: Old MT on 2006-04-06
In Reply to: MA passed law stating all residents MUST - carry health ins...
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.
Complete Discussion Below:  marks the location of current message within thread
The messages you are viewing
are archived/old.
To view latest messages and participate in discussions, select
the boards given in left menu
Other related messages found in our database
you have it backwards, if you don't go to the doc get a high deductible
having a high deductible will really cut down on your premiums. Say you rarely see the doctor and don't have prescriptions. An 80/20 plan with a $5000 deductible can run you as little as $59 a month, and that has a $500 out of pocket. I have Assurant Health (formerly Fortis), for myself and the kids. For $5000 family deductible we pay about $3000. So the most we will pay in a year is $8000. But at my husband's last job, we were supposed to pay all of the premium for family coverage and they would pay for his coverage. Premiums were going to be $9000. Add a $500 deductible to that and 20% which would probably run another $2000, and a catastrophic illness for one person would be $11,500. $11500 is a lot more than $8000, plus with the Assurant Health plan that is our FAMILY deductible. With the group plan, if one more person got sick, it started all over again with their own deductible. So you have to do the math. Individual coverage for all 4 of us will run us $5300/yr, that is, if they agree to insure my husband. If you have ANYTHING at all, individual insurance will not take you. So keep that in mind too. Insurance is the reason why somebody in the family should have a "real" job :)
I have 5,000 deductible
It's more or less catastrophic insurance, however, when I was formerly covered on my job there was a fairly high deductible also. Anyway, I am 53 years old and my premium is 120.00 a month. It's through Anthem Blue Cross Blue Shield. You can bring up lots of insurance information via the internet that does comparisons of different plans and costs based on your age.
Only 50%, 1/2 of SS is deductible
You only deduct 50% of your SS as you are paying that much. Look at your 1040, deudction is 50% of what you paid on your net income on scheudle C.
Tax Deductible Expenses
We ran a business for years from our home. As far as I know, you can take the base rate of your telephone bill as an expense (which includes FCC taxes) and any long distance calls related directly to the business. As for Home Owners Insurance, you can take 7% of the insurance because you use 7% of your home for your business. Also, anything related to the business such as equipment, paper, tapes or special software programs can be taken as well. If you have to travel to deliver the finished reports, I believe the rate is 28 cents a mile. If you travel, you can also deduct any maintenance on your vehicle. Hope this helps. 
IMO no, trip is not tax deductible at all. (nm)
x
Only way trip is deductible is if it is
Like if you are going to an MT seminar or traveling to meet a new client, etc. Working while on vacation doesn't count since you aren't required to work from that location.
When it IS business related, you have to have receipts and legitimate paperwork proving it is work related and that you spent time conducting business. A trip expense like that would be a red flag to the IRS to audit you, so you darn well better have excellent documentation.
Taxes are deductible and it does help out at the end of the year.
Be sure to try to get fixed. I have 7.5 fixed for 30. They do have 40 yr mtgs now. And you can always refinance if your financial picture changes. When I moved into my home, i had no cable, a junky car and ate like a poor person. Once, to make my mtg, during a really rough time, i sold my bedroom suite. Keeping the roof over our heads is #1 priority. You sound like someone responsible enough to do this. Would you qualify for this loan on your own? Getting his name on this house might not be smart thing to do during these rocky times?
and don't forget the other 7.5% is deductible off of your income nm
nm
depends on age, health, deductible, etc
Too many variables but figure on $350 to $500 depending on the above. All you have to do is do a search on medical insurance coverage in your area and find out.
only one office is deductible -- color coding
I use color coding and have done so from day 1. Have 7 docs and they all have their own color for tapes, letter head, returned dictation, binder etc. They are no longer names, they are blue/green/yellow/red/purple/clear and yellow/green. That is the only way I keep their things separate and for sure know who to deliver to what. Am of the old school and this works for me. Also have a monthly board that I keep track of their tapes and time off and that is also color coded.
Only one office is deductible otherwise you could call your entire home an office.
I work for a national, $600 yearly deductible and 15-30 copay
nm
home office expenses are still deductible if you are an employee - nm
x
Rules state anything not reimbursed by employer deductible.
/
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.
Husband's plan has no deductible, just copay and pays just straight up to 12 visits a year.
I do have a high deductible for mine, I think $5000 but the important thing to me is that I only pay $35 office visit copay. The deductible only kicks in on lab, x-ray etc.. and I have prescription coverage. The other thing you have to consider, as I also work in a physician's office doing medical billing, is that there are substantial contractual adjustments if you are with a BC plan. Say, your bill is $100 and the "allowable" from the insurance company is $75, that means that your doctor's office has to adjust off the extra $25 and you are not responsible for that; whereas, if you had no insurance, you'd have to pay the whole $100 out of your own pocket, no discount there.
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.
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!
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,
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 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.
What is the difference between an acute care account and a multispecialty account??..nm
nm
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!
Keyboard shortcut for spellcheck is F7 for full doc, Alt + F7 for individual words.
Check out the link below for a list of Word's shortcuts. You're assigning shortcuts that are already in there. :)
I've never had a problem switching from account to account.
The problem I had was being switched too soon. If I don't get one account spec solidly in my memory with QA feedback on mistakes before starting another, I get confused. The other problem I had with former jobs was inconsistent QA. One person tells you one thing, another person tells you another.
Lately, I don't have a problem with it. Right now, my binder has 8 account specs (some I've never had to use) and I'm picking up a new weekend job for a while. The terminology and report formats stay basically the same. It's just all those little preferences. LOL
We met in high school. My high school sweetheart
introduced us in a discussion over Ford versus Chevy versus Dodge. I used to race my Dodge Coronet with oldstyle 318 V-8 engine against the guys on the back roads and old highways. High school boyfriend had a Chevy truck. DH had a Ford Fairlane and later an AMC Javelin that just made me swoon. We didn't actually start dating until three years later, and my old high school boyfriend was a bit surprised at that since he introduced us.
what is your account and specialty on the account?
no one is watching. tell us all about osi.
How about a High Five??!!
nm
high 5!!
...Right on! I think many people who are gay bashers are really terrified of the unknown, terrified because they link gay people with sexual criminal behavior - pedophiles, rapists, you name it. I would not expect less of a gay person than I would a straight person when it comes to character and ethics. It is sad to see how many people are terrified of gays because they believe they have an "agenda" - out to turn the world gay!! haha!
It should be pointed out here that many gays have desires and needs just like us straight people - want to be loved, want to belong to someone, want to be committed to one person, want a home and family just like us. That should tell us something, right? Hey, for that matter, there are lot of straight people who will never want to settle down, love sleeping around, live a promiscious lifestyle, but it is only when that occurs in a gay person that it is magnified.
People can be so naive. Throughout time there have been gays in every walk of life - high ranking powerful politicians, ministers, high ranking military men, etc. Some just choose to keep it a secret. Just as I expect my straight friends to have character and ethics, so do my gay friends.
Judge people on their character, their morals, their ethics, not whether they are gay or straight.
high 5!!
...I knew there was a reason I liked you... fellow Leo
P.S. - coincidentally just before I came to the board I just popped in a CD of the 5th Dimensions - remember "Age of Aquarius? That's too funny!
HIGH
RICHARD C. LEE NEW HAVEN, CT
*High-Five*!!! LOL!
x
Very high indeed!
I've never heard of anyone making more than .02-.03/cpl off of their subs. I'd say for you to either make some rules (times they can call, etc) and define exactly what you are willing to do for them. If they say no and you really don't care for the account any longer, then just let it go. If you really do want to keep it, the only thing I can suggest is to concentrate on how much YOU are making (and if it's worth it) instead of concentrating on how much THEY are making.
|
