Your insurance company's adjuster should be fighting for you.
Posted By: that's not right of them on 2005-12-08
In Reply to: If there is a police report, that should be all they need -sm - Laura E.
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.
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The insurance company (sm)
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. 
There's a volume adjuster on the bottom
that looks like a dial. You can put it on minimum. That's where I have mine and the ring is very low. I'm not sure how to turn it completely off though.
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
20 yrs-6 months training by insurance company
then everything else OTJ
I use Lanier headphones that have a volume adjuster on the cord. (nm)
nm
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 ...
fighting for work
I am currently working as an IC for a company who uses WinScribe. I only work a few hours a night, but I spend so much time during the day looking for work that I am wondering if this transcription stuff is really worth it. I like the doctor's I transcribe for and the company seems pretty nice, but I have a life other than work. If I decide to leave the house for the day, I will probably not have any work to do during the evening. Is this what a lot of companies are doing now? Does anyone know of a good company that will just give me some p/t work without having to be trapped at home all day long?
Just keep fighting the fight..... I remember...
seeing one of those earlier Star Wars movies, maybe the first one, and some guy next to me had a little about 2-1/2 to 3 with him. That kids are TERRIFIED, keping asking "what's that Daddy, why's he doing that Daddy, DADDY DADDY!"
Have people lost their brains? Kids can't process all this stuff. Let them watch Thomas the Train or Little Bear and let them be kids.
I'm fighting a super Wal-Mart
I'm in the process of fighting the planning/building of a super Wal-Mart down the street from where I live, which is out in a rural neighborhood, about 4 miles from town. I liken this incredible increase in Wal-Marts across the US as very similar to what is happening in the MT world. Wal-Mart gets something like 80-85% of their merchandise from other countries--it's just like outsourcing! Think of all the jobs that have been lost to this in our country.
I understand what some of you are saying about not having the money to pay a few dollars more on whatever it is that you want to buy, but it's no different from transcription! Those who are outsourcing the transcription to foreign countries are very similar to what Wal-Mart does with its suppliers.
Where does this leave our country? It's certainly scary for the future of our children in the United States.
Are your military members fighting for your
x
Fighting fatigue after 4 hours
When you work 3rd shift - it is even worse. But getting up and stretching works - don't nap because you won't wake up till morning! 
Fighting Fractured English
Blanks are not your problem. Poor dictators are.
It has become a standard in the industry to make the problems of an ineffective dictator and make it an MT problem.
This is not and was never an MT problem. We are required to transcribe in English, and the oral work coming in needs to meet an acceptable English standard.
I've been in the business for 15 years, and frankly I am sick of it. Having exhausted every other resource to resolve this problem it is now time to fight back and sue these companies and the facilities who have made this our problem.
We are TRANSCRIPTIONSTS, not TRANSLATORS OR LINGUISTS. If we are required to translate, they need to cough up the average salary of an interpretter which by the way is $200,000 a year. I dare say none of us are making that as MTs. The time has passed when someone else's disability directly impacts our paycheck when it is not our skill in question. Enough is enough.
If you or anyone else is interested in pursuing this stand up with me and make your voices heard. Send me an email. I will keep your information confidential. The industry will never change as long as we continue to allow them to abuse us.
NO MORE SWEAT SHOP LABOR. THE FREE RIDE IS OVER. IF THESE COMPANIES AND HOSPITALS WANT IT TRANSCRIBED IN ENGLISH, GIVE US A MINIMALLY ACCEPTED ORAL ENGLISH TO TRANSCRIBE.
I believe this profession is worth fighting for...you work at BK if you want...
So we should just accept everything going on around us, like dumb sheep? What kind of attitude is that?
Answer this, are you supporting your household on being an MT. It does not bother you that in a few years you be making half what you are now, doing some dirty, low-paying job?
You are really okay with that, and think that is not a problem.
Believing in yourself and fighting for what you believe in, is what this country is supposed to be about. That is my opinion.
Listen carefully: It is the sound of the shifting of the tides coming in to divide rich and poor. If it happens, it happens, but I for one will fight it with everything I can.
I am glad I do not have your attitude. I happen to love this job, got in it because I love it, and am going to be sad when it is gone.
So many passion-less people...
I've been fighting back for 30 years.
It hasn't done one bit of good. The AAMT sold us out a long time ago and when the computer came into being, it made it way too easy to ship everything offshore. At least years ago when we used a typewriter, you had to work in house. Now everything is about faster, faster TAT and hiring people as cheap as possible to get the work done. I have always said that if they could get trained monkeys to do this job and pay them in bananas, they would. They don't give a rip about the MTs and they never have. 
As long as we have our health and our mind, we have a fighting chance.
I guess it is like the lady on T.V. said, the secret to happiness is appreciating what we have in life. I want so much more but also, I have had so much less that I have to remind myself I am actually doing okay, relatively speaking. And everything is relative. And, as Einstein said, "the unexamined life is a life not worth living" and so we owe it to ourselves to review our lives and makes necessary changes. Compromise when it comes to others within a household is necessary. Time for a family meeting, maybe? I give you two thumbs up for having created a family. You did something I couldn't do!
Look at the pot calling the kettle black - I am not fighting wth you. I more mature than that. sm
Besides everyone has their own opinions. Glad I got to see yours.
Had it both ways. Send it back the cheapest way and eat the cost. You don't want to be fighting f
x
I bet other insurance carriers have insurance for their employees. Why not Wal-Mart? nm
:+
I want our brave men and women fighting in the Middle East to come home safe and sound. sm
Imagine the Christmas their families are having. I am so grateful to them all.
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.
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