Just make sure that if they have insurance that covers it all - sm
Posted By: Laura E. on 2005-09-12
In Reply to: I need some ideas on benefits and fundraising. - please help, not MT related
that they don't take the $ and run. I thought about doing something for my daughter for her cancer (Wilm's tumor) but luckily did not need to....our insurance has covered all but maybe $100 so far....costs over $60K....have to pay the copays to most of the visits and a misc. fee not covered here and there....probably cost us $300 when all is said and done. Bills/statements dribble in slowly. I can handle that, my kid is alive and that is what is important. Just make sure it is all on the up and up....as horrible as any life-threatening disease is many see it as a way to make free money.
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Yes, I have 2 jobs-- the 2nd one covers what my DH used to make at a side job- sm
more actually. It was our college fund $, now it also covers our life insurance payments---grant I am working more now and he less, but he watches the kids a lot, does all the cooking (I have to clean it all up however), takes them out to give me quiet on 1 weekend day, etc. So if your husband/SO is willing to pick up the slack it is doable. Yes, our house could be a lot cleaner too but once every 2 weeks my husband and I do a marathon clean together, and I stay on top of the laundry so that does not get out of hand.....average 5-6 hours of sleep a night but sleep in on Saturday and Sunday until 8---you can do it but it will keep you hopping!
covers
I get mine at Radio Shack.
Wow! Thanks! That pretty much covers it. :)
I'm leaning toward the ham and asparagus casserole. My hubby and I love asparagus.
The kids can have cereal. 
Head set covers
Just wondering, anyone know where to get the little ear muff covers for headsets?
IT eliminates, not covers up, odors...nm
x
replacement covers for earphones
Does anyone know where I can get replacement covers for my earphones? I am using a Pearlcorder microcassette machine and they are small?
Here's another that covers A LOT! Good post, BTW! sm
http://linksformts.googlepages.com/
You've got to be kidding!! You think EOE covers felonies?!!!
Sorry but the mention of felony convictions or any legal trouble isn't covered by the Equal Opportunity Employment act!!
A legal record is in place for those who commit crimes for a REASON. It represents the choices an individual has made.
A company has EVERY right to deny employment to someone with a legal past and SHOULD.
I've lost my note about where to buy ear bud covers (sm)
I've seen posted here before but can't find where I made a note of it. Were can you get the ear bud covers that fit over the little rounded ear buds that companies usually supply. Mine are so dead I finally threw them away. I've washed them so often they are in pieces. I saw where you could buy a set of 12 but now can't find it. Anyone out there have a clue? I'd truly appreciate your letting me know where. Thanks loads and have a great productive day (if you have to work like I do). 
That only covers the income tax, not the social security tax.
You will have to pay the social security tax on your IC pay.
Consumer Reports June 2005 covers this.....sm
type of information if you'll go to your local library they usually have a copy available there. Happy researching!
I would think acute care covers wider range
But I'm not sure myself. Would also cover OP notes more extensively and ER reports. Maybe someone will tell us both!
Great West covers Botox for headaches.
Otherwise, go to a neurologist. It only costs $425 and worth every penny.
It sometimes is really hard to transcribe patients complaining about their headaches when your own head is about to explode. I did learn how to take charge of my own care, which happened to be extremely useful because the pain management physician I was assigned to ended up being the biggest idiot on earth. I was finally able to change doctors.
I bet other insurance carriers have insurance for their employees. Why not Wal-Mart? nm
:+
I would buy book by Dog Whisperer. His TV shows covers things like this and would think his book mi
//
You spending 3K in gasoline to make 4K plus all that time on the road?That doesn't make sense Pat
How nice that the world revolves around what you make and no one else could possibly make more. sm
Marla in So. California pays 11 cpl for a 55 ccl, Oracle pays 9-1/2 cpl, MDI-MD 11 cpl, JLG 10 cpl for gross line, etc.
Of course, these are rates negotiated and paid to qualified MTs.
When I see mistakes I repeatedly make, I make a quickcorrect for it (sm)
for example if I type we plant o instead of "plan to" I have a quick corrct so that if I type plant o, it replaces it with plan to, etc. It is hard - I was with the same company for 8 years. I do not work for anyone with an accuracy requirement though.
When you make the copay, make them give you a sm
receipt for the amount you pay them. I know they don't like to do this because it takes time, but if you are really stern and insist on a receipt they have to give you one. Then, the next time you get billed for something you already paid, tell them to look for their copy of the receipt and let THEM do the work.
Yes, unfortunately you do have to make a pest of yourself to make it work, but.....
as the years went by that is why I stayed away from those type of companies. BTW, Noni is a fabulous product, I absolutely do not care for the "marketing techniques" they use. One of the facts of this type of industry is you cannot just recruit to make it, you have to retail. Ever since I "overhauled" my techniques and system...I never had to ask another person to some on board again. Well, nuf for now. Take care and have a blessed week!!
lol cut myself off. Anyway, I'll make close to what I used to make with MQ,
ddd
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.
Regarding insurance for individuals..
Speaking as a self-employed transcriptionist and a former medical insurance billing person, I can tell you that Mega, Fortis, which I think are both offered by NASE, are not great insurance plans. They hardly pay for anything and their preminums are no cheaper than your local Blue Cross. I worked in a doctor's office and did billing to these companies and felt bad for the patients with these insurances. They ended up paying a lot out of their own pockets. Personally, our family got a rate quote with our local Blue Cross and it was cheaper and better coverage. They do have PPO plans with copays etc.. let me know if you have anymore questions. 
questions about MQ insurance
I am an IC right now and for my insurance I had to name just about every illness or hospital visit I ever have had, and if I made an 'oops' or if there is a discrepency, they can drop me at their leisure, which is scary, so i've decided to join MQ full time to get benefits. Will this insurance cover preexisting conditions, no questions asked, since i'm a full time employee with a company? Do I just choose what coverage I want, and what are the choices? If any of you who have insurance with MQ can tell me what to expect, i'd appreciate it, thanks! 
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 ):
THIS IS AN MLM PLAN, NOT INSURANCE.
MY FORMER COWORKER TRIED TO RECRUIT ME FOR IT. I'VE SEEN ALL THEIR INFORMATION ON THE "INSURANCE". I REPEAT, IT IS NOT INSURANCE. IT IS A DISCOUNT PLAN; HOWEVER, NOBODY IN MY ENTIRE STATE ACCEPTS IT. PEOPLE ARE JUST TRYING TO RECRUIT OTHERS TO MAKE MONEY OFF OF THEM.
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!
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