My insurance has nothing to do with it, I had just dropped my collision - sm
Posted By: Laura E. on 2005-12-08
In Reply to: Your insurance company's adjuster should be fighting for you. - that's not right of them
So I am going through the woman who hit me insurance. They are not going to give me a penny more if I don't fight. I have gotten her up a bit in the #s but it is still ridiculously low. They will cover my medical expenses though I have not signed the forms as yet to grant them access to them, just want to make sure I am not signing something I shouldn't. I mentioned I lost $350 in lost wages alone, plus I've had to take my truck back 3 x so far for their incompetant repair peoples mistakes and things they tried to pull over on me....but I have sharp eyes and caught all the obvious things anyway. I used their services to repair it so I did not pay a penny except I did have to take it to my dealer to have a rattle fixed, they did not tighten/attach my hood back on right. They reimbursed me for that bill, but granted not the 2 hours I was out. I have been saving all my receipts too. Which is why I feel it will be inevitable to get a lawyer involved, hate to do it but then again I did not ask to be hit either.
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
Collision or comp doesn't matter. I called my insurance company
when I was hit by someone. I only had liability but their adjuster made sure I got the best deal out of it. My rates didn't go up either.
If you use a Visa CC, they usually provide collision
xx
I bet other insurance carriers have insurance for their employees. Why not Wal-Mart? nm
:+
I think this subject needs to be dropped.
/
Yes. I know of 9 people who have dropped them
nm
LOL that's what I did when I dropped the lamp on my toe
and broke it. However, Ms. Siren, if I were you I would not worry so much about the FMLA or the FMLA scammer gal you have working in your department and start worrying about the bigger picture when y'all are here in the jungle with the rest of us. JMHO.
I think she dropped a period.
As in: I didn't. Thank you very much.
I dropped my CMT about 5 years ago...
when I was actually told by an MTSO that they wouldn't hire me because of it - thought I would expect too much money and that they couldn't afford me. I haven't used CMT after my name or anywhere on my resume since.
No. her siblings ran out of money and dropped it for now.
n
All child molesters should be dropped off .....
in the prison yard of a hard core maximum security prison, filled with lifers who have absolutely nothing to lose, with a sign tattooed on their forehead that they are child molesters. Nature would take care of itself.
MT on account has dropped production.
MT tells me they have decided to drop production on an account I share with them.
Between the three of us, we managed okay. Now with her drop in line count, the burden falls of the MT at the end of the shift. I wanted to tell this MT that she set the pace and now, if they do not continue it, we will have backlog (and we do). The other two of us are already typing at full throttle. Our account is going out of TAT.
Has this even happened to any of you and how should I handle this?
I dropped my membership after 13 years.
I dropped my AAMT and CMT 15 years or so ago because
they were not working for our benefit, CMT did not matter to employers and just seemed to be interested in puffing up their own chests and making up education/certification requirements to become an MT which no employer ever took seriously.
I have watched as they have aided the decline of our wages.
I have watched as they have condoned changing of counting methods to scam and deprive MTs of income. Now we don't even get paid for time checking and entering patient information. I have watched as they have aided those sending our work overseas.
Now, upon changing to AHDI, they have done away with chapters. They don't want us to meet and network. It was hard, but I recently reconnected with the chapter I used to be in. I had quit the chapter because, at that time, you had to be a member of AAMT, and I was not/am not willing to support AAMT and what they were doing/did to us. It was hard to find them, because there are no more chapters (except for the few who refuse to die).
Although I really like doing the MT work, hopefully I will be in a completely different profession next year. Although, it is hard to finance retraining in another profession with my wages in the dumps and not being able to cut back on work time because I would not be able to pay my bills.
Unfortunately, the small MT service I worked for was snuffed out by the Indian workers, and the MT job I have now pays a lot less, has done what they can to decimate my wages and is now shipping off as much work as fast as they can to India. I hope I will have been able to complete retraining and left before that time.
But it's nobody's fault but the MTSO that the prices have dropped.
THEY were the ones who started the offshore outsourcing in an attempt to make a bigger profit and get more clients. Figuring that they could pay Indian transcriptionists 3 or 4 cpl, they could offer the clients a cheaper rate. By doing this, the MTSO changed the field forever into the cut-throat market it is today. The MTSO virtually eliminated the independent transcriptionist from the market who was able to have a few accounts and making a lucrative living and the larger MTSOs are putting the smaller ones out of business. The MTSOs brought it upon themselves and now everyone in the field is suffering because of it, including the patient. I feel no pity for them whatsoever.
Transcription companies have already dropped out income into
McDonald's pays (starts!!!) at $9 in our town (in the South, mind you) plus benefits.
It is not worth being somebody's slave anymore, and that's what these MT companies (MQ in particular with their new toy) want us to agree to.
Let them get up off some money and treat us like professionals and I may come back. I like medicine and have many years of knowledge.
But doctors and nurses aren't working for pennies and I'm finished working for pennies for these companies.
and Bill Gates dropped out of college when he
became a millionaire! and the Google owners are young too! Just people with "visions." Wish I had some visions, LOL.
My levels dropped and then went back up. I did not miscarry. nm
/
Kaiser recently dropped transcription
Even their op reports. I don't know how you can do touch-screen op reports. I would like to know how this works if anybody does know out there
Oops......post dropped my same rules & regs. Sorry.
NM
I used filtered water with frozen fruit dropped in it
x
oh geeze - 4-6% wage decrease, I/we should be so lucky!! My pay has dropped (sm)
30% - yes, that's right 30 PERCENT!! - in the last ten years. This is all due to the new and improved (ahem!) creative ways of now counting the lines and what's included and what's not included. You can't tell me doctors aren't making money these days. If there were no money to be made, NOBODY would want to become one!!
super told me to meet lines of 12000 or be dropped to SE
i thought there was only 2 types of employees; statutory or full time
I was thinking with ASR for MQ. They have dropped the line rate 2 cents as of October 1. Now, if
we get a lower line rate starting January 1 based on incentive then I expect the ASR 2 cent reduction will be based on that new line rate so it would actually be lower than it is now assuming they lower our new pay plan rates and I am sure they wont raise them. I wonder how this will play out.
Question re elderly patient being dropped by long-time PCP. sm
My SIL's mother was dropped as a patient by her long-time PCP (who also treats 4 other family members). The reason was that the elderly woman (upper 80s, status post back surgery and recent hip surgery) had missed too many appointments. Mind you my SIL always called when her mother could not make an appointment due to physically not being able to keep the appointment. An office person told my SIL on the QT the real reason was because the doc couldn't get as much reimbursement from insurance on elderly people. Mind you, this woman has her regular insurance plus Medicare. What is up with this. I never heard of such a thing. Anyone? 
That is what I'm trying to do. I've picked up some smaller accounts, dropped the national, an
very hard to cut my hours. It takes time learning the new docs and systems, but I'm sure soon I'll be working less (I pray).
Thanks for your thoughts. I should have never gotten used to the bonus $$.
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....???
|
