Yes, it does constitute "creditable coverage." The only policy I found that was not considere

• Yet another COBRA/future insurance question - Another KSMT
  • Here's how it works... - Insurance know-it-all
    • If you leave one job and get a so-called bridge policy for your SM - MT
      • Good point. I've never done the Cobra because it was outrageous. I also did what you call a "b - Insurance know-it-all
        • So this does qualify as continuous coverage, right? Thanks for your help. NM - MT
          • Yes, it does constitute "creditable coverage." The only policy I found that was not considere - Insurance know-it-all
            • Need bridge policy ASAP. Where can I get it? Have SEVERAL pre-existing conditions and meds - paintyper
              • Compared the price offered by Cobra with a local BC or Regence Blue Shield plan. Chances are.. - Insurance know-it-all
    • Another Cobra inquiry - trish
      • I was at a job 2 weeks and qualified. I believe it is immediate, or basically, once you have a polic - Insurance know-it-all

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I think it's great to see a thread discussing this subject. 

However, when it comes to "prejudice," it has always been with us, since the beginning of time.  It is a human problem, not a white American problem, as so many people seem to be saying.  Some of the most prejudiced people I have encountered in my few decades of life have been non-whites.  When I lived in Latin America, I learned that brown-skinned people discriminate each other based on how light their skin tone is - the lighter the skin, hair color and eye color, the more prestige they had.  Some of our U.S. African-American soldiers were called derogatory names by the Somalians when we were over there - a real eye opener for them.  They thought they were "going home" and then were assailed with hatred and expletives because of their dark skin.

We all need to guard against letting our attitudes harden our hearts towards other people.  It is a life-long process.  I recently realized that my financial concerns because of income loss from this job of MT - with losing jobs to overseas, the foreign-born dictators making it so hard to earn a decent line count - were hardening my heart towards immigrants.  I am in the process of reassessing my attitude and thoughts about that.  I don't want to turn into an angry, hateful, bitter old bigot. 

That is the one problem with own accounts.  After three days to Tahoe-Reno I came back to 14 tapes as no one wanted anyone else.  But am thinking of taking nearly a week off later this year and so I would like some coverage.  I used to work for a small local MTSO here as an IC and still keep in touch and I might see if there is someone there that wants to do an extra tape or two during the week I am gone.  Also see if there is a chapter of local AAMT in your area -- and I am not sure if it is the national AAMT but here in Portland there is a group of MT's and I got a list of names from them who will do back up and overflow.  I haven't joined but have talked to a few people there and we do some networking.  I have been doing this for so long in the Portland area that I continuously run into people that did either the OHSU account I did or worked for one of the offices previously, etc.  It is a small world.  That is also how I get my people contact.  Also run an ad in the paper well ahead of when you are going to leave.  But there is always the fear that they could "take away" your account but since most of the gals that have helped me out I used to work with -- I don't worry about that.  And you know how it is the first few days on the account -- you don't do that well so they are either ready to kill my docs since I am so used to them or the office says -- "don't ever leave again" because that person does things different that we all appreciate each other immensely when I get back.  But there are ways, just gotta put a little effort into it.  They don't need to do it all but I came back to 14 tapes and if I could have had half done, it would have been nice.  Good luck. 

The payment's not that big on it, except when there's a mixup at the bank and they deduct one check twice with the same amount and same check number.  It just feels like the money mojo magnet is gone from my life this week!  LOL  Everything seems to go wrong all at once. 

I have five accounts and two I have IC's who work for them -- psych accounts no problem when I leave town.  But my other three, have asked that I have NO ONE work on the account but me and they hold the tapes and I do them when I come back as fast as I can and sometimes wishing I had not taken time off.   No they work with me but then I don't take off much time and when I do it is usually a couple of days and the weekend so we are all not stressed.   If I were to have surgery or something I have friends that would help out and the accounts realize that it would be necessary.  That is one of the drawbacks of having your own accounts.  No work --no money.   But it does make you appreciate your time off.

S/B able to get something reasonable.  If you're looking for family coverage it is doubtful you would find anything under $350.00/mo.  You might want to look into medical savings accounts.  You have to qualify for these and I'm not sure what the criteria is, but Google it.   If you are a non-smoker and have no pre-existing medical issues, aren't grossly overweight, and not planning a baby anytime soon, you might want to look at getting mainly a major medical plan that would cover you in event of hospitalization or something catastrophic, and just pay routine care out of pocket.

We currently have insurance through DH job, but when I was looking for independent coverage Celtic had the cheapest and then Medcost was the next cheapest.  I called several agencies and they all quoted me on Medcost, but the premiums varied as much as $200.00/mo.   BCBS has something caled Blue Advantage that you might want to look at.  I hate BCBS because they are such a pain to deal with and deny a large percentage of claims, but it might be an option. 

I have offered just coverage for vacations, etc. and have networked that way, but I know that is tough when you are full-time from home and not in a medical type setting.  I think it is a shame that more do not frequent the State Boards here.  I like hearing everyone's opinions, but if the State Boards were frequented more, I think we could all really network a little more.  I'll scratch your back, you scratch mine type of thing.  Most people do not like to do that because they are afraid you will take their account, but I believe in being trusting, and that is bad karma!  JMO.

I just started a new MT job and will get health insurance when my benefits quick in.  I want to put my husband on my insurance.  My question is- he has spina bifida and I am concerned that the insurance company will deny him coverage.  Can they do that?

Thanks

My husband's policy specifically states that even if a married couple get separated the spouse no longer has insurance coverage!  The coverage definitely stops, on my husband's policy, when a divorce is final.

I would want to read a copy of the health ins. policy for sure. Just my 2 cents. :)

I did not say I looked like a teeny bopper or hooker.  I said I traded my stretch shorts and t-shirts for denim shorts and a tank top.  Yeah, the shorts are somewhat low rider because they don't come up to my bra like the stretchy shorts do, but they've got a full rise that covers the crack and belly button.

Oh, no!  I must be a wanna-be trampy teenager!  Maybe next I'll go out and get some red satin thongs, a belly button ring and a butt tattoo because y'all are jumping on me like that's what I'm trying to do.  If you can't understand the concept of "full coverage", stay out of the conversation.