You'd be better off getting a private policy. Premiums are
Posted By: me on 2006-02-27
In Reply to: Ok, which companies have AFFORDABLE family.. - Frustrated
cheaper, though still expensive, and you don't have to worry about insurance if you make a job change. Shop around, should be able to get a family policy for about $400.00/mo.
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OUCH! I had a private policy with BC/BS for $180/month sm
and it was a pretty good plan -- Affordablue -- had a $25 copay for office visits or something like that. That was just a single plan, though. It included dental coverage too, bot other than covering for routine cleaning and such, it was kind of useless when paying for crowns and other "big" items.
Sounds like you have a good deal. Fortunately, I am working for Transtech now and have affordable insurance .. whew!
Your health insurance premiums are sm
deductible on your Schedule C under business expense - 100%. You can view a Schedule C form and see for yourself. It basically adds to the rest of your expenses, which you'll then deduct from your earnings - voila - 100% deduction. I do my own taxes and have been taking the deduction forever.
Any idea what the premiums are for family coverage
??
Policy (SM)
There is policy about this.
Please write the Administrator about this (admin@mtstars.com).
Goldbird
I think the policy is
as long as they have an American office (storefront) they are still considered American and they do not allow offshore MT's to post resumes - but that is an I think.
If only this policy was followed with consistency, now that would be new!
x
It seems like you have to ask the company what their policy is (nm)
x
you may have been sold that policy
it doesn't mean you could have collected on it.
Yes, came from hosp. If was co. policy, they
x
Check the policy. It says......
unlimited long distance, person to person, then you will get busted. It may take a little while but they'll get you. I learned the hard way. I used Vonage and it worked great.
Honesty best policy
I don't think it would reflect badly on your son if you're just honest with the person who hired you about not being able to be on your feet for so long. I would suggest telling him/her that you didn't realize how difficult it would be to be on your feet for so many hours and that you've made a mistake. I think everything should work out just fine in the end :)
If it is your company policy, then you have
to do it. I would keep track of it though, check for errors, etc.
Not if you have a company policy
I never said it was an insurance policy. Are there not programs set
up for a reason? Is there no government assistance programs set up so that people can get help momentarily when they need it? I am not talking about depending on it. I am talking about OUR tax dollars going back to us during a time of legitimate NEED, not out of laziness. Do you think they are better spent in Iraq or a lot of other bull crap spending that is done on people not in our own country? We pay for this! No we don't have to expect our government to help us in times of need. Move to freaking Africa. Those views would fit in real good over there. I hope your kids go to private school. Wouldn't want the government taking OUR earned money and spending it back on us.
Deletions are made according to policy. (SM)
If you have a complaint about a post, take it to the Monitor board.
Goldbird
Or try to get the kids a separate policy
xx
Fair Access policy
I have DW7000 professional and even with the extra download and upload capability they will still shut me down if I go over their limit. Also I am on SatMex and have had occasional trouble as long as I have had the system. Sometimes I just want to run over the dish and modem with my Jeep!!
I would read your health ins. policy
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. :)
Each company has their own policy for how they handle it.
I only worked for one company that deducted and that was YOG. There is no industry standard, at least that I am aware of. I'm going on 6 years at my current company and have never had a deduct.
That depends on the company's policy.
Each company defines it's own policy. Most all do pay it out but since offering paid time off is not mandatory by any federal or state government, there is no mandate that a company HAS to pay out any accrued but unused paid time off.
Your Human Resources or Benefits Department will be able to direct you to the policies that govern this for your employer.
Ex-HR'r
Official policy puts it best . . .
from the 2002 AAMT Book of Style:
"Obscenities, profanities, and vulgarities do not belong in a patient's record unless they are part of direct quotations that are essential to a report."
In 20+ years of transcribing, mostly psychiatry, with, as one might imagine, a lot of profanity, I've always just typed whatever the clinician quoted the patient as saying, and have never had a complaint.
Good luck,
CTT
Advertising policy of MTStars...
Many of you haven't noticed Advertising policy of MTStars lately.
http://www.mtstars.com/advertising.htm
No more sponsorships from MTSOs etc. The truth is being spoken on these boards and it always hurts. You can't remain sober if betrayed by some company or individual. You would have been speaking the same way if you were in their shoes.
I love MTStars for being unbiased (what people say nastiness). It's not like MTChat or MTDaily etc., where the posts are deleted and board owners are instructed to keep their & posters mouths shut for annual sponsorship of $500 by MTSOs.
It's the advertising policy of MTStars..
Many of you haven't noticed Advertising policy of MTStars lately.
http://www.mtstars.com/advertising.htm
No more sponsorships from MTSOs etc. The truth is being spoken on these boards after change in administration and it always hurts. You can't remain sober if betrayed by some company or individual. You would have been speaking the same way if you were in their shoes.
I love MTStars for being unbiased (what people say nastiness). It's not like MTChat or MTDaily etc., where the posts are deleted and board owners are instructed to keep their & posters mouths shut for annual sponsorship of $500 by MTSOs.
Looks to me like this is the current policy, approved 10/2004, and
nm
Health Insurance policy for 2006
is now charging a supplement payment for smokers and those that live with smokers. Does anyone else have this policy or getting for the next year? This not through MT companies.
Well, my life insurance policy is worth more than I am,
especially the more I try to make MT work for me. Oh, well. It used to be a lot worse. I cut up my credit cards and made power payments on those. I have my first credit card now in 10 years. Yours isn't bad. You can do it.
The national I work for has a no blank policy. sm
Plus you have to have 90% no blanks to QA to get bonuses and to maintain full-time status. This is very hard sometimes with some of the dictators that dictate from across the room, while the ward is going ape, and this all right next to the telemetry monitor and the ringing phone or at home with the yapping dogs in the background.
But I have found our QA to be forgiving and understanding, so I am getting more comfortable. I think they have a high standard so we will step higher, but they understand the reality, which I think is good.
DH says he definitely would not go through what I go through to be sure there are no blanks, but I am hoping that in time it will get easier, and I will get more productive, and I think it is.
I know you are looking for BCBS, but my United HealthCare policy SM
will allow my kids to stay on until they are 26 if they are not married and still living at home, whether they are in college or not. I double checked about it, and it's true. Also my dental is the same way but a different carrier.
If you leave one job and get a so-called bridge policy for your SM
90-day waiting period at your new job, this this also qualify as no break in coverage.
I'm getting ready to switch jobs, and there is just no way that we can afford the Cobra payments.
From my experience, they only offer a policy that pays...
cash for time spent in a hospital. Unless things have changed, I don't believe they have "regular" health insurance policies. I wouldn't buy from them anyway - they did a hike on my car insurance to over double one year about 5 years ago - I went to another insurance company and saved enough to cover my homeowner's insurance. They talk a good game, but it's just that - talk! You might try Anthem - I see them advertised on TV a lot now for individual policies. Good luck in finding something!
What about just a catastrophic policy in case something major happens?
Anthem I know has some cheaper high-deductible policies. Most nonprofite hospitals also have organizations to help with medical bills for the uninsured/lower income patients.
Read the policy and procedure manual, maybe something is in there.
I do not believe there is a law, but you could check with the labor department.
There was no announcement of this policy change? Sounds like it's time to go. nm
m
I'm with you on the illegals, but paying taxes is not an insurance policy.
x
I do not carry E&O insurance, but I do have my equipment covered under my HO policy.
My office is in my home and, God forbid, there should be a fire, I'd be out of business. I have coverage for my computer, printer, fax, phones and loss of use on a separate rider. Also, should anyone injury themselves coming or going from my office while doing business with me, their injuries are covered. Perhaps this is the information you're looking for.
Times change..including this policy about who is able to post. About a year ago,
this board started letting everyone post job openings, at least to what I can remember. I know at one point if they were India-based/affiliated etc..then they could not advertise but since anymore it is so rampant with companies being associated with India, they started letting them post. I could be wrong but this is what I recall.
Yes, it does constitute "creditable coverage." The only policy I found that was not considere
short-term policy. As you can tell, I've done this A LOT... So, I've hit every scenario..
Need bridge policy ASAP. Where can I get it? Have SEVERAL pre-existing conditions and meds
Just one medication at full cost is half of the COBRA payment plus I have steroid and Botox injections scheduled. Need insurance. Can anybody tell me where I can obtain "bridge insurance" without going broke?
Private ins
You can get private insurance lots cheaper than MOST COBRA plans but it is up to you. Also a lot of times they only cover for so long and if I remember correctly dental and vision might only be for one year and some plans do not COBRA that over. And if your husband is self employed, then it could be a business expense to provide the insurance and with six figures could easily do it and pay less taxes. I know COBRA is easier to just kind of roll over into, but again, it only lasts for 18 to 24 months and so you will be looking eventually. However, just ask why suddenly you are not covered.
I use my private e-mail sm
and receive all my messages from my TC through my private e-mail. In fact, I never receive anything throught my I-mail, don't even hardly check it anymore. Call your TC and ask her/him what to do. This may not be the same across the board, as so much is not the same from office to office!
LOL in private, not seclusion :-) sm
like a different room in the house. 
I would see about a private school.....
Your son sounds like a very bright young man... No offense to you, but can you honestly challenge him and teach him things you may not be proficient at yourself. Foreign languages, advanced math, etc. Even high school teachers only specialize in one subject. Something to consider.
Private accounts
How do you go about getting private accounts? Any MTs out there that have done this and are still doing it. If so, how much can you charge per line for a private account that you obtained yourself. I currently make 8 cents per line with an MTSO. However, I have been hearing that if you have a private account with a doctors office you can actually charge a lot more, about 12 to 13 cents per line.
Any tips on doing this. I am currently an Independent Contractor and would like to expand my horizons. Thanks for any advice.
It's how I got my private accounts....sm
I had business cards made up and every week, one day only, I went and solicited another medical building filled with offices usually next to a hospital. I brought only a couple of resumes (nobody asked me for one either) and within a month or 6 weeks, I scored 5 private mds. It's really all about self-confidence and belief in yourself and your own abilities.
I'm still working for 4 private MDs all these years, one of the 5 went into *receivership*, a form of bankruptcy.
Best of luck, believe in yourself, go solicit yourself and your abilities and don't be afraid. If it worked for me, it can work for you!!
I do agree - I have many private mds...nm
THANK YOU JAM for your private email....
very kind of you. Please know that I do appreciate your help and the time you took to respond.
private accounts
anyone out there doing private accounts for docs who don't have to do operatives? just trying to get some info as to what type of reports some may do when typing for own accounts. I was thinking along the lines of internal medicine. Thank you!
If you have private coverage on yourself, you would not--sm
need workers' compensation on yourself. your private insurance would cover anything happening to you. If you have employees, they may need it, but only if you offered them employee insurance benefits. JMO.
most private doctors...
I speak to say that they went to the bigger companies because they were assured TAT - however it is explained to them that the same people working for the Nationals are the same ones that would do it as an IC, I find that my clients came around. Sometimes common sense is not the easiest thing for a busy mind. They also like the idea of not paying the rates a national charges, knowing we do not make it - so drop the rate a penny and they get a break too. They wont pay us what they pay nationals because they do not feel we are the same thing - if we cut out the middle man for us, they want it cut out for them too.
Private accounts
I am curious to know how to go about getting private accounts? I am challenged when it comes to how the work is transported back and forth. What would be a reaonable expectation in terms of costs on my end? All I have now is the computer, foot pedal and copier/scanner/fax. What else might I need? I live and Houston. Our medical center is top-notch and there are many, many hospitals, medical organizations and clinics to choose from. Any advice?
private clients
It is refreshing to see normal expected amounts given to other MT. So often I see "I would not expect less than 10.00 per page and such high line counts" I believe the misconception by many is that you can make a bundle with little effort given some of the "I won't do this" attitudes. When looking for your own private accounts, think about who they are, where they are coming form and who did them before and assess accordingly. And keep in mind you may have to negotiate and get a bit less but your first client and everyone after is your own - which is a good thing
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