If you have no pre-existing conditions look into
Posted By: me on 2007-11-15
In Reply to: Health insurance for me and spouse..how much? sm - ds
getting a private policy. Should be able to get a good one for under $400 and maybe less depending on deductible.
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If you currently have no pre-existing conditions and
are just worried about any problems that may occur between now and the 90 days get a temporary insurance. Deductible is very high, but premium is very low. You will have to pay out of pocket unless there is a catastrophic event. You can't get this insurance though if there is a pre-existing condition and there can't have been a lap of insurance.
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?
the living conditions
The only life they know is confinement and pain. From the little I let myself watch, they have absolutely no room to move, they are crammed and shoved in together. They don't get to roam and do whats natural to them outdoors. They are being born and raised primarily to be brutalized for crop. Like a canned food factory. They get their body parts cut off, injuries from other animals, and have to live in physical pain until they are ready to be put out of their misery for whatever purpose they serve.
In all honesty, I absolutely love meat and enjoy it on rare occasions, and it is meant for us to consume. There is another way to do it! They cannot be treated as if they do not have feelings, they 'feel' pain, the mother's are distressed when their calves are taken away, the calves are scared, you see it in their eyes, as another living thing, you have got to connect with this. Its an awful way for any living thing to go through, even in a short time.
I can see being raised on a farm, room to roam, be outside, run, eat normally, socialize with their breed, have a life. They do not know the better that they are being raised for our consumption, there are living in peace without pain and living freely. Being crammed, thrown around, beaks cut off, having throats slit, hung upside down while still alive thriving in pain is not a peaceful life.
Work conditions
 The more experience you gain, the better jobs up ahead. Sure it hurts to say goodbye, but it hurts worse to stick around.
Speak for yourself. I have fabulous conditions
with my present employer and have had the entire 3 years I've been there.
Conditions are NOT deplorable for all MTs -- only when you accept those conditions are they present.
While we don't need to assume responsibility for turnover costs, it's no wonder companies don't want to give some the time of day. They want MTs who have a proven track record of dedicated length of service, production, and quality and who are interested in doing that again.
It DOES cost to hire -- and that does NOT mean necessarily the actual training of an experienced MT but includes HR personnal to interview/process you, the time others have to cover while you learn your accounts, etc.
If you're a responsible person at all, you'd have a better attitude than the one you just posted.
Question about pre-existing exlusions on new
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?
Where on the scale of conditions would a guarded
condition be?
Loved the work, hate the conditions
I loved being a transcriptionist. I just hated what the job had become. I really enjoyed for years, but once we switched from being paid hourly to being paid production, it just went downhill. Too many things can interfere with production, as you are finding out. Doesn't matter how fast you type. If the server goes down, the electricity goes out or you're stuck with crappy dictators, your paycheck will suffer.
AAMT didn't cause conditions to plummet BUT
when they sold us out and went to India is when I saw things really go downhill.
HIPAA laws require that all pre-existing..sm...
conditions be covered as long as there is NO break in coverage.
Another thought . . . get the pre-existing clause in writing from your employer --
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.
I think pre-existing stuff may kick in if you have have no certificate of previous coverage.
nm
Here's the deal. The only way to avoid the pre-existing waiting period (usually 12 months) is to
insurances..Even at that, say you have coverage until the end of July miss August and get new insurance September 1, your new insurance cant do a 12-month waiting on you for pre-existing but they can make you wait that 1 month that you didnt have insurance so...in effect, if you new insurance starts on Sept 1..it wouldnt have to cover a preexisting problem until October 1 cuz you missed a month. My advice.. keep the Cobra.. I know it's a fortunate but if you had any kind of complication or anything related to a preexisting and you have to miss a month of coverage..it could be really painful. Let me know if you have any more questions.
Assuming your existing documents are based on the Normal template...
You can open the Normal template, make the changes you mention, and then save it. When you open your existing documents, they will be corrected. Hope this is the info you're looking for.
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