The insurance company (sm)
Posted By: MT on 2008-03-14
In Reply to: medical insurance - 2good health
that I chose to apply with (Humana) did not require that I take a physical. They only required that I disclose all visits, health problems, prescriptions, etc. for the past, if I remember correctly, 10 years. I believe it depends on which insurance company you apply with. Some may want a physical and some may only go back 5 years. Also, depending on what state you are in, I believe some states only allow insurance companies to go back 1 year or several months for disclosure. The Web site is only a tool to compare several plans through one site. In order to get immediate quotes, you only have to put in your zip code, gender and DOB of all people on the plan. You do not have to give your E-mail address or other contact information unless you decide to apply. Also, you may want to visit AARP's Web site. I found a lot of good info there. 
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Fight with the insurance company.
Why would they deny it? Unless it's an unauthorized procedure via HMO. Bleah. I'd also talk with your daughter to see if she has concerns. Be patient, though. She'll talk to you if she knows you'll talk with her instead of yelling at her.
I'm fighting a bill for several thousand dollars that has been denied three times now in the past 18 months. However, I legitimately had dual insurance coverage at the time, so I shouldn't have had to pay anything out of pocket.
You need to contact your insurance company because..
Your provider (oncologist) has a signed contract with your health insurance company and they have to abide by that contract which specifically states that the patient is only to be responsible for copays and/or deductible amount and anything this is not covered the provider as to write off etc. If you have proof of your office visits along with the date that these co-pays were made, then your insurance company could provide you with a good go-between on your behalf. They are representing you as the consumer. Keep us posted.
what big company actually provides you with health insurance? sm
From the ones i have worked for, i had to pay for my own insurance at higher rates than had i taken out my own individual insurance policy. it isn't like it used to be where companies paid all your insurance coverage premium. now it is a huge chunk for us.
I think she is working for a company that provides insurance.
Sounds to me like she can't afford the premium thru her employer -- the place I'm leaving in a few days, for my daughter and myself it cost over $300 a month. I guess to some that's reasonable but I have had a very hard time with it. I'd prefer to eat.
It sounds like she's scamming the insurance company
and pocketing the money. I'd inform the chiropractor directly and let him know you're going to tell your insurance company that the charges are not legitimate unless he puts a stop to it. If you inform the insurance company, he's the one who's going to be in hot water. That should end the fraudulent charges. If they don't stop, then follow through and inform the insurance company and let them face the consequences. There's no earthly reason a 9-year-old child should be visiting a chiropractor regularly. The ex is a thief, without a doubt.
Inform the insurance company that they should check into it.
x
Your insurance company's adjuster should be fighting for you.
You're entitled to the cost of repairs to your vehicle, payment of ALL medical bills and out-of-pocket expenses like gasoline for trips to doctor, pain relievers, and lost wages since you've taken time off work due to pain and doctor's appointments. Do not agree to settle until you are certain that you are back to 100%. Gather up all receipts, bills and wage stubs to send copies as demand for payment.
20 yrs-6 months training by insurance company
then everything else OTJ
For decades, a company benefit has been health insurance
along with retirement plans, paid holidays, PTO, etc. Only in the world of MT (and maybe Wal-Mart) are many companies not paying for these benefits.
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.
My company doesn't offer health insurance. I'll buy it at Sam's Store.
BTW, you can eat yourself up and waste a lot of time hating and smearing Walmart. People support the store and it is growing in spite of your MT Stars posts. Walmart shoppers don't care about your posts or if Walmart doesn't offer health insurance to their employees. They are looking for a bargain. Walmart has them. At least half the US workers have lost health insurance and as for my company, it costs at least $200 a month for health insurance if I want to BUY it. Get a grip.
Just signed up with Continental General Insurance Company, $388/month for family of 5, $1,000 ded.
We get two office visits per year at $20/visit and preventative care (mammogram, Paps, well-child). Sounds good so far ...
I bet other insurance carriers have insurance for their employees. Why not Wal-Mart? nm
:+
What Company is This? I have been hired by a company that is sending a foot pedal.. Don't want t
.
The company cutting cpl, the company stopping paying for headers
:{
Good of the company? As IC, I am my own company. Not my problem if she has problems as long as I do
:P
Accepted a job with a new company, gave two weeks notice to my old company..
Old company, let me go before two weeks was up. New company, said they were having trouble getting me set up and my equipment ready, but they would pay me while I waited. It's been a month, still no check from new company even though I was told it was "in the mail." I have no income and am at a loss.
I have a signed offer letter from the new company, contracts, etc. I applied for unemployment, but old company is saying I quit and technically I am currently employed with the new company! New company is not returning calls or answering email.
What should I do!?!?!?!
I started sending my resume out today, but the process of getting a new job will take at least two weeks and I need money now to catch up on what I'm behind!
You don't want to work for this company. Call your current company and
tell them that you have decided against the new position and tell them that you would like to stay. It is cheaper for them to let you stay than to train someone new. A company who could be so tacky as the one you just spoke of is one you do not want to work for. You can rescind your resignation. If you are a good MT, they will be glad you did.
With my company, ICs use their own emails, employees have company email.
x
COMPANY INQUIRIES belong on Company board, please!
Goldbird
....3 months later my old company rehired me; can you return to your 1st company?
nm
Local radiology company, not transcription company
who has only 5 transcriptionists and are not hiring at this moment. We all work at home and get great benefits, no insurance out of pocket and 22 days paid vacation in the first year, after that it goes up. I feel very fortunate to have found them, but again I chose them because they did not do production, so now that they are, I'm a little disappointed.
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.
I think it varies greatly from company to company...sm
I was hired five months ago by a national straight out of school at 8 cpl. I think it just depends on your knowledge level and ability, and of course, what the company is willing to pay.
i think it varies from company to company and/or location
VR company? Not when the MT company owns its own VR equipment. n/m.
xx
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....???
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