NASE (National Assocation for Self Employed) has insurance sm
Posted By: ltmt on 2007-01-07
In Reply to: Group insurance for IC sm - mlstoo
but not sure how expensive it is or how much it costs to join NASE. Their website is www.nase.org.
Good luck!
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Nase Insurance Warning
DON'T GO WITH NASE!!!!!!! It's health insurance is for the birds. Ask me. I know. Every year it goes up a few dollars. Doesn't sound like much but for hubby and myself it's $605 a month with a $2,000 deductible for each of us. This is health and prescription coverage, supposedly eye care, too, but they never paid a nickle for my eye exam or glasses as I go to someone outside the network and my choice was Sears or another mall place I wouldn't recommend to a mole. Those were my only 2 choices.
So far, our out of pocket expenses for his surgery added up to $75,000 and that does not include ER or ambulance. They refused to pay for the ER. They only pay the ER if you are admitted TO THE SAME HOSPITAL. In our case, my hubby had to go 50 miles away for his surgery.Thank heavens he did not have to be life-flighted out. That would have been another $30,000.
I had to fight for every penny of every bill they paid, which was about 1/4 the cost. I spent months arguing with them about things they didn't pay that they should have paid. THEY NEVER EVEN PAID HIS SURGEONS!
If I could go with another company, I would, but nobody will take us now, and we're stuck. Too bad hubby got sick just when I was looking around for a better deal.
And, by the way, there is a site called Rip-Off Reports which really opened my eyes the other day. Read some of it. It'll open your eyes too.
http://www.ripoffreport.com/reports/ripoff131154.htm
Try the National Association for the Self-Employed. SM
They have lots of options. 
Your national is liable for SS and Medicare tax not you. They thinkyou are self employed. nm
:
Medical Insurance for Self-Employed
 Hi Everyone: Does anyone know of an medical insurance that is a PPO Plan for me and spouse in Tenn that does not cost an arm and a leg? I have 2 job offers, one is a company but cannot afford their insurance for both of us, so I will take out on me only and the other job offer is IC at 13 cents a line which is good for this area. Help!!!!
Anyone have copay insurance through a national...
out there anymore or are there only outrageous deductibles left to be found??? I sure miss the old days of $15-$30 for an office visit...insurance is just rediculous anymore!
NASE
When I was self-employed, we always went with NASE -- National Assoc. of Self Employed. I am sure you could do a search and find their website.
Best wishes,
NASE is horribly expensive. Go through your
local yellow pages and look for insurance companies that offer health insurance and call for quotes. Call several companies. I did this and they all offered the same insurance but the premium differed as much as $200.00/mo. Celtic had the best rate, approximately $350.00 for a family of 4. I'm not sure if this covered maternity or not and we are nonsmokers with no preexisting conditions.
Fortis offers a temporary insurance, which is basically just major medical. It has a high deductible, but if you are healthy and on no chronic meds it isn't bad. This insurance is only good for 6 to 12 months, depending on what state you live in, isn't renewable, no maternity care, and will not cover preexisting conditions. Our total premium for 6 months was $403.00. You can't have a lapse of insurance for more than 45 days (I think).
A small national is a national company that is smaller
than a big national. There are a few "big" nationals, where they have hundreds, if not thousands of employees. I work for what I call a small national, only has about 30 employees. An MTSO could also be considered a small national.
I went from national to small back to national
My large national has all the resources and money to operate successfully and have decent platform, etc., to work on, the small company did not, and I went back to the national.
I bet other insurance carriers have insurance for their employees. Why not Wal-Mart? nm
:+
Currently employed
Hi. I have been with then since 02/2006 and extremely happy with them. As of this past month, I actually became and employee instead of IC and will be getting insurance. Hope this helps.
I think 30-40K if employed
There are variables. Is the person working 10-12 hours days and pretending they are working 8? I know many who are. If so, income should be considerably higher. People with their own accounts can usually make 50-60K or more.
For a 6-8 hour days, 5-day weeks, as an employee with experience, I don't think this job should ever pay less than $30,000. It takes too much concentration, medical knowledge and complete isolation to pay any less. Hospitals pay at least that and you are expected to take breaks, lunch, talk with other staff and physicians, get sick sometimes, have bad days and get bad authors sometimes, take vacations and generally be a human being. Working from home, most of us hunker down and feel guilty if we have anything else we need to do, then making it up at all hours of the night or our supposed days off.
Are you self-employed with your
If you are employed at
MQ, the reason people are making 8 to 10 cpl is probably because that is what they were hired in at when their company was bought. They probably have not had raises either.
I most certainly am self-employed
Obviously, you work as an employee. Sure hope you got a raise to change from what you were hired at. Again, not all of us can be that flexible to just change. We do have a life. Furthermore, anyone can dial in and listen to a dictation on the weekend if they need it that bad. Just call the floor get the identifying numbers, call the number, plug in the identifying patient info and badda bing, you've got the dictation. It used to happen all of the time at the hospital I worked at because they didn't want to wait on the outside MTSO that was soooooooooooo slow. TAT was never met or hardly ever.
Are any IC Incorporated since they are self-employed?
Just wondering if any IC out there have set themselves up as a Corporation. Being tax illiterate, it seems like I do not have many deductions when it comes time to file. My DH is looking into opening a business to provide a service and someone with a similar service suggested to him to file for corporation to be able to receive more tax benefits and deductions. My CPA over the last 10 years has never suggested it to me even though I ask him what I could I do for more deductions. Is this possible?
The first rule of being self-employed is that
you set your own line rate. However, we all know that NONE of the MTSOs hiring IC MTs allow us to set our own rate. They "offer" a rate, and we accept if it's OK.
I worked for a real cheapo doctor when I first started out. He paid hourly and kept riding my backside to type faster because he only wanted to pay for the actual time dictated instead of the time it took to transcribe. More than once I told him that it takes an average of 3:1 typing to talking ratio to get it done. It worked out to be $.03 per line. I dropped him like a bad habit. He bounced through a few other transcriptionists who all quit on him before he wound up having to pay to outsource to a service.
Ind 401K for self employed
There is a new type of retirement fund for self employed business people where you can put money in as both an employee ($15,000) and as a percentage of your profits as the business owner. It is called an Ind 401K. Here is a link...
http://www.troweprice.com/common/index3/0,3011,lnp%253D10264%2526cg%253D960%2526pgid%253D10057,00.html?scn=Low-cost_plans_with_&rfpgid=7622
I wanted to go with T. Rowe Price but they do not allow loans, so i decided to go with Oppenheimer.
Self-employed-need advice
I am a self-employed MT, trained by the office I have been contracted with for 9 yrs. When I started, it was myself and an in-house Transcriptionist working for 4 physicians. I gave a 24 hr TAT. I had one 18-month-old child when I started, and was able to work around 6 hours a day. I drove about 40 min to work and back, picked up tapes, working sometimes 6-7 days/week. Since then, they have hired 2 more drs. and 3 NP's. The in-house MT retired, but they did hire another MT who works at home. I had another daughter, and a set of twins in those 9 yrs. They have always known I try to work around my children's schedules. As I am sure many of you do, I was getting up in the middle of the night working, working on and off throughout the day and at night. The new MT and I are backed up now and we can't possibly get it all done. It is more like 48-72 hr TAT. They call all through the day asking me to stop what I am doing right then and search the tape, type the note and fax it ASAP. I picked this profession to work around my children's schedules, not have to push them aside at every moment to cater to the office. I do not have a certificate in MT, was just trained by this office. I checked in to other places, but the pay is much less as I get paid 65 char/line including spaces at $.125/line. The reason they pay so well is because they know I probably can't get on somewhere else with no certificate and no experience in any other field. They want to make sure I stay there. Also, the driving is ridiculous. They refuse to get technology for telecommuting. They refuse to hire someone else. On top of that, I was just diagnosed with IST, and am on Toprol and not capable of working the hours I once did. Is there anyone else out there who understands or has any advice?
yep, two. I'm self employed in three ventures. sm
1. I am a soapmaker at www.sarva.biz and, as of recent, http://www.etsy.com/shop.php?user_id=5120869
2. I am a yoga therapist in the style of www.pryt.com
And also studying to be a yoga teacher in another lineage.
Yes, I do all of this with bilateral CTS. I intend to specialize in yoga for CTS sufferers and am nearly there with my education.
Turn lemons into lemonade :-) It's those other things that motivate me to finish my MT work every day, and my MT work informs my yoga therapy so tremendously.
Happened to U but are you now employed,
x
Not good ones and so far I am still employed
x
Self Employed Question
Hi all. I am new to this board. I have a home based secretarial service and do both medical and legal. I have never worked for a big company, just attorneys and docs as well as sales profesionals with no secretary. I have always charged by the page, but I have a possible new client that wants me to bill her by the line. Is .12 per line reasonable or too little for medical? Are there any other home based self employed individuals who can offer advice on per line charges?
Thanks!
My friend has been employed by the ...sm
same hospital that hired her as a newbie. She has been there 10 years. She does good. She has her hourly wage plus incentive pay and benefits. She has one of the good jobs. They outsourced the rest of the MT work except radiology, which is what she does. They outsourced the radiology also a few years ago to an MTSO and she went to work for the MTSO who got the radiology account from her hospital. Well the doctors there in radiology at the hospital raised some cane and demanded the inhouse MTs be brought back. The work was bad from the MTSO MTs and they demanded their MTs back. She was lucky. That is what you call appreciative doctors who value the MTs who do their transcription.
Self-employed even worse getting paycheck
Bill three doctors at the end of the month, and still waiting two weeks later, sometimes three. I even stay up all night and do a 12h turnaround time. You'd think they would see I was paid in a reasonable amount of time!
He can do it. If he is becoming self-employed, he can cut his child support
too if he does not make a profit for the first few years.
Better to be prepared.
When I was a W2 employee, hubby was self employed
and it was enough to cover his taxes and sometimes we got a refund.
MT week - did anyone employed with Diskriter get
anything for MT week??? Just curious - I didn't, but I see that they gave out an American Express gift cheque.
Taxes regarding self-employed = getting an accountant
Get yourself one, and he'll explain everything you need to know.
I'm already employed. I feel my company has sent
a
ditto - am self-employed, 1-person
for local physicians.
There is no one else to have do them. I just type them and forget them as you did.
TaxAct and TurboTax will work for self-employed.
No need to buy the expensive business versions of them either. I don't know about TaxCut, but I'm sure it's the same. No, you do not have to prepay your taxes quarterly either. The first year is considered a "trial run" meaning that you need to establish a base pay before they can establish a quarterly tax payment amount due. I've been self-employed for 10 years now and have never made quarterly tax payments because I've never owed.
Yes, they can quit their job, go self-employed or IC, and work under the table.
However, the courts aren't stupid. There is a worksheet the judge does based on the past several years' worth of taxes that XX is the amount this person is capable of making, so therefore XIX is their child support amount. It's legal and binding. There's no changing it by trying to scam the system. It is difficult to enforce but that's why our state has deadbeat parent laws. My friend's ex wound up in jail with liens against all of his property for not paying his child support.
You know who I see working at Walmart? People who may not be employed elsewhere.
Old people, under-educated people, etc. I doubt those workers were ever paid better elsewhere and they seem quite content with Walmart who gives them the dignity of a job. I know one lady in particular who seemed a little "off" and she was so happy to participate in retirement plan. My son worked at Walmart as a temporary pharmacy tech and also liked the 401K offered to even the lowest part time employee. I think Walmart is good for the poor and unfortunate people of the world and I know I have not walked away from Walmart thinking I had been cheated or people who worked there were unhappy. Same with Sam's Club.
Sorry for the open your mind. I actually did not mean that as an insult either. It's just that some people are so angry they refuse to listen to new ideas and the other side of the story.
I am sorry for the small business man but I am just as sorry for the MT whose job is going to be obsolete in the near future. The times are changing and we need to face it and deal with it. It is what it is.
Thankfully, self-employed so I don't have to deal with the likes of you.
What an arrogant bitchy know-it-all you think you are. You are laughable. I'm sooo beyond you. Later.
Any former Spheris employees employed elsewhere now and deliriously happy?
Would love to hear from you. Seriously considering looking elsewhere. Thanks much.
My claim was denied b/c officially, I was still employed but we were out of work. Crazy. nm
nm
I look at the jobs posted and tons of MTs are applying. I am employed but not terribly pleased with
prefer OPs and have done MT work for about 16 years. I have worked for MQ for 11 years for the Univ. of Pa. which they lost and now I am working for a small company in Michigan with just tons and tons of crap work. I would like an IC job with OPs if possible.
Go to MTChat and ask California self-employed MTs or do a SEARCH in LOCAL MTs for California. We ha
.
(1) Don't work for a national. (2) Don't work for a national. (3) Don't work for a nation
If you still want to stay in MTing, which is a dying job, go to a hospital and apply to do radiology. They sometimes hire people just out of transcription schools.
But don't work at home thinking you will make any money at all - even with 20 years of experience - the nationals have wrecked that.
Be under the umbrella of protection at a hospital. That way when your computer breaks, the weather is bad, you are sick, there is no work - you will not be without a paycheck.
The nationals are selling a line of BULL. Gradually they have taken what used to be our built-it benefits------------> and moved it over to their pockets and called it their PROFIT. They are not brilliant - but they are unethical thieves.
have you tried another national?
It seems you may have worked for one national, have you tried any others? There are a few good ones. I found a great one, but am keeping my fingers crossed because every time I find one, they start growing and changing (for the worst, in my opinion).
Unfortunately, it seems to be the trend in our profession. It could be we will all be out of jobs one day, just all at once in a heartbeat.
Like the age of automation, didn't people lose jobs and become 'displaced' like all at once?
I hate to say this, really, because I respect your feelings, but a lot of us lately are running out of work with our nationals. Complete flipside - I have been running out almost daily, even on 3, 4 accounts. I just ran out now and am waiting to get some work because I really need the money...
There seem to be no easy answers. We are all at the mercy of our employers and whatever they decide to do. Seems there are no laws for people like us...we are like slave labor.
I hope you find your answers, and I think your Sparkle paper towels are giving some great advice! (smile)
$36.5K, national and
For national MTs: how many different...
accounts does your national have you on...just curious.
I started with one and now am up to three and they're trying to shove two more accounts on me for a total of five. Simply hate it...would love to have just one primary account again with just one back-up.
As soon as I pick up momentum on the account I'm on at the moment, I get switched over to help out on another.
And yes...I have complained to them already...just wondering if this is the norm nowadays.
what national?
At home work or office work? How long did it take you to finish the program? What did you do or say to get hired before graduation?
Does that mean I should keep my job with a national?
Most definitely. Not MQ, another national. sm
I've been going on-line from dawn to midnight to get my hours in. You know, this has happened with every service I ever worked for between Thanksgiving and mid January, so I'm not hysterical YET! 
my national because she is very....sm
Only ONE out of plenty I am sure do I like because she is communicative, will email you your qa'd reports if you want, and will even call you at home if you request.....I have NEVER met another QA person like her and I nominated her for QA of the month (year if they offered that but they do not - *lol*)
To me, it's all about COMMUNICATION!!
A national,
Can anyone help me out?
Thanks!
national
!
I'm an IC with a national
and transcribe for a hospital. My TAT is normally 24 hours. Also, they hired me right out of school for 8 cpl.
the BIG national........LOL.....nm
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