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Anyone pay less than $800 a month for family insurance?? I work for a small MTSO

Posted By: Working for insurance on 2007-06-06
In Reply to:

and it's not like I make a ton anyway, but the insurance is so high for my family. I feel like I'm just working for the insurance. My husband is self-employed so he obviously doesnt have insurance through his job to provide this so it is up to me and I'm dying here. Any suggestions? We have tried individual plans but it is a fortune for high deductible and yucky coverage. I need to maybe find a larger company to work for where the benefits are a little better.


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$600 a month for family?? Yikes.. better pass. I need better insurance than that. Thanks

Anyone work for a small MTSO?
Compared to larger companies?
I am the sole insurance provider for my family and I work for TT
Unfortunately, I did not know about the rate, but I am staying to work more. I am not there for the warm fuzzies necessarily. It is nice. I am there because I can trust the boss to know who I am and that the boss will provide the lines for me to type so I can pay the higher rate. I am willing to work longer hours and stay. I could go elsewhere but I have been in every situation including hospitals where the boss is abusive. Believe me, there was not 1 place worth staying because I am here now. I am not sucking up, nor am I being kushy but as far as I know, this is the best choice for me and my family. I work at home, don't pay gas prices, get reimbursed for cable which is my commute, no one else does that. I don't have to buy clothes or lunches out because I work outside of the house. I don't have to pay for daycare because the boss worked with me and my scheduling needs. My goodness! They are not just warm fuzzy. They are business people who know that their profit goes up if the workforce is happy. Not their fault the cost of insurance goes up. Go talk to the insurance companies. Besides, I said several other times on here that this is not their final rate, they are working to come up with some other plan if possible.
So quit with the warm fuzzy business and make a check list of business facts of why this company is growing both in labor pool and clientelle. I am glad you are happy at your company but please don't speak for breadwinners of TT, because I do not like your speaking for me or about me. Thanks in advance.
Absolutely not! I work for the best MTSO. I am have been so blessed to work for the small company I

I will share this about the MTSO I work for.  I called her late last Wednesday night after Church and told her I was compelled to help out with Hurricaine Katrina in some way and an opportunity arose for a small group from my Church to go to Louisianna this coming week.  Would she be able to cover my work.  She told me no problem without any hesitation and even donated money for the trip. 


And I am sure there are plenty of good companies out there to work for.  To compare us to migrant workers is just not right.


Before I quit, they told me 400 a month for family.


The new insurance is very reasonable. I pay $200/month and they pay $200/month. sm
Unfortunately, I have had to use it a lot since it changed and I am very happy. They have covered everything.

The insurance is actually $80 cheaper per month than I paid at the local hospital, which is a large employer.


For me the family insurance...
is high compared to my husband's insurance, but then again, his insurance is AWESOME, so I did not need the coverage. This is based where I live, and I am in PA. Their vision IS better than my husband's though so I did get that, and the dental coverage is not bad either, but again, my husband's covers ortho whereas they do not. Overally, they do have good benefits compared to other companies I have worked for. HTH
How much is insurance for a family at TT
nm
How much does insurance for family
coverage cost with Axolotl? I could not find anything on their web site that said.
Does anyone on here work for them that knows. Thanks.
Could you tell me how much your insurance runs for family?
Thanks..
Small MTSO

I am a small MTSO and I have two part timers that work for me.  I try to allow them to make a good living but there are costs of running a business.  I do the pick up and deliveries, I print, I buy the paper, toners, etc.  I do the invoicing.  I do the customer service.  I do the QA, etc.   So when I make 2 to 3 cents a line, that is sometimes barely $5 to $7 an hour after gas, paper, etc.   I keep my line charge reasonable -- 0.11 to 0.12 and that allows me to pay 0.8 cents per line.   But if my gals use their brains to use word expanders, templates, etc. they can make $16 to $24 an hour (200 to 300 lines per hour) which to me is fair.    I pay them on time often first and sometimes wait for the check to come in.    But you guys we do not make a lot when subcontracting out.   But if a document is 400 lines I make $8 to $12 for the report and that is before all my expenses.  So we are not jiving any of you.


 


 


To Small MTSO

No suggestions here except to keep up the great work and appreciation for your team.


I agree, don't waste your time on the ignorant's on this board that think everyone is out to screw the MT...it's a sad fact, but there are some who just have such blackened lenses to see through.  It sounds like you really appreciate your team and there are more employers out there like you, really there are.


TO: Small MTSO
see above post, it got posted in the wrong spot somehow.
What small MTSO we could
apply for work there too
Look for a small MTSO
like the one who posted above who still values his/her MTs.  I guarantee you there is no real shortage of work if you took the greed factor out of the big and greedy MTSOs.  They don't give two hoots in the wind about you and they'll offshore, contract with MT schools, whatever it takes to increase their bottom line profit. They couldn't care less if you and your family starve out.  By working for a small, and sometimes struggling MTSO, you will help them and yourself.  I guarantee you also that you will make more money working for 6 cpl and actually having abundant work rather than working for 15 cpl and sitting in front of a blank screen all day.
Can anyone recommend a co. that has decent family insurance.
I cannot afford to stay working for the company I am presently with. Low to no work and the family insurance rates are over $700 a month. I have over 13 years of experience and I am hoping there is a company out there that rewards that with decent benefits.
Do you know what the insurance costs are?? family or single?
Thanks. Looking for a new job.
How much if family health insurance at these companies?

Transtech, SOAP, Futurenet, and Transolutions?


Do they include dental and/or vision with that?


Needing to make a choice and health insurance is the most important thing right now with 2 small children.


Thanks!


14.5 cpl National, 16.0 cpl small MTSO
Happy, both accounts are California accounts which is a higher pay!!!!
Does anyone know what the current family rate for insurance is with Keystrokes?
Im looking at comparison costs.
family plan insurance - which company has the best prices? sm
pathetic and true -- I'm basing my decisions on that :(  i just can't spend 1200 a month on insurance.  HELLLP.
Amphion, Etransplus or small MTSO?
Pros and cons to any of these?  Thanks.
You're definitely in the spotlight with a small MTSO.
Easier to run under the radar with a big company, but I'm sure it just depends on the company. Though, generally, I have found small ones have close watch on QA.
Being a small MTSO myself, the second attorney is correct sm
Honestly, here in the Northeast, the courts will not uphold any noncompete clause written in that manner, signed or not signed.

If it affects your ability to make an income and provide for yourself, it will not hold up in a court of law in the great US of A.
Small MTSO and bad business practices

I think the reason for late/bounced checks is exactly due to a lot of small MTSOs not keeping business and personal money separate and they do not have a reserve to fall back on in case something happens.


I had one that did not keep her personal finances separate from business and some government agency (she was having legal problems) went in and wiped out her bank account...she still owes me big bucks and that was several years ago. Unfortunately, I kept working (2 months with no pay, stupid) believing things would get better and believed the excuses and lies before I found out what was going on and quit, but could not collect because she had no money left and then she just dropped out of sight (rumor has it she changed her name and moved to a different state).


Another one had the same situation as far as not separating business from personal money and bounced payroll checks (I quit when the first check bounced, lesson learned from the first time). I finally got my money from that one after months of waiting. Needless to say, I will no longer work as IC for small MTSOs. They will lie to you when you ask if they have a separate business account and a line of credit or reserve to ensure payroll is on time even if client does not pay on time or they themselves get into financial trouble.


BEWARE THE CONTRACT THAT SAYS YOU GET PAID WHEN I GET PAID because it means just that and you will have no legal recourse of getting your hard-earned money, definite red flag. 


 


Try Qwest unlimited small business plan for $25.00 a month
or check MCI.  They have been offering $15 a month in my area. 
Isnt their family medical insurance kind of high. I think that is
why I passed on them previously and they only wanted to pay 7.5 cpl for 12 years of experience.
$2.50/report own account - .17/line small MTSO

I worked for a small local MTSO for 10+ years, through

3 owners, and I trained the last 2.  The MTSO is a man.  He is extremely disorganized, just wants the job done, not interested in providing samples, doctor's lists, etc.   Frequently doesn't answer e-mails, not recognition for MT week.  I lost 3 close family members within a short time, never got a card, a plant, or I'm sorry.  When I worked there I did acute care and I didn't need samples, lists, because I had been there for so long I had the info or knew where to get it, but when this MTSO came on the scene things changed.   He lost the account to MQ, who has since lost it to CyMed, and he got a bunch of clinic accounts.  I left because I didn't want to do clinics, but I would occasionally do overflow for him.  He was always calling me because I wasn't doing something right, but he never gave me samples or answered my questions, so I did the best I could under those circumstances.  Pay is 7 cpl per gross line, which is 1 cpl more than I started out making 10+ years ago.  Never hear from him unless there is a problem or he needs a favor.  Checks are mailed and even though he is about 12 miles away it can take 3 to 4 days to get my check. 


I currently work for a small national (about 50 MTs).  Pay is better, MT week is recognized, my BD is recognized, Christmas is recognized.  Not that I expect these things but it is nice to feel appreciated.  I get an e-mail or phone call every few months thanking me for all my hard work and going above and beyond when they get in a bind, etc.   Pretty much left alone to work otherwise, but provided with any information needed to do my job.   I have direct deposit.


I briefly worked for YOG for a few months prior to their selling to MQ and it was the most disorganized company.  I didn't know who did what, couldn't get samples, had to frequently call for work because even though I was cleared by QA and should have been getting pooled work I wasn't.  Deducts if too many blanks.   I still had them calling me to work extra 6 months after I left.


 


Companies w/Escription accounts that offer affordable family insurance??
I realize that affordable is subjective so whatever information anyone can give woudl be appreciated. The majority of Escription accounts offer IC only. Thanks
Medware- Ballpark figure for cost of their family medical insurance. NM
nm
IS THE INSURANCE REALLY ALMOST $400 A MONTH
for single coverage?? If it's that, I'm afraid I don't want to know what family coverage is. Please confirm
The new KS insurance is only $250 a month. That's MUCH lower. sm
It took them over a year to get a decent rate.

You should try to go back if you miss it. I did and am glad I did and grateful they took me back. The grass was definitely not greener on the TT side.


Can anyone working at MD-IT please tell me how much you pay for insurance per month?
x
I have excellent health insurance through them and it is only $185 per month. sm

A lot of companies do not have PTO so I am glad that I have it, although I had to wait a year for it.  When I worked in another field, I had to wait a year, so I do not think it is that unusual.  I wish we had dental but I am glad that we have 401k, health and life.  Like with any company ... get it in writing and then you will not have two different stories. 


2 weekend days a month, no insurance
Statutory employee, not IC. I think their minimum for full-time (paid a better line rate if full-time) is 700 lines a day, but someone please correct me if I'm wrong on that. You pay long distance (most accounts). My accounts are heavy ESL.
It is $400 a month, but they pay half. It is good insurance, too. sm
I recently had surgery and my only costs were my deductible. The hospital split that $1000 into 10 months for me, so it was not so bad, and now the rest of the year, I am past my deductible. It is a LOT better than the insurance I had with Spheris.
No liability insurance for this MTSO because

first of all I incorporated, which you really ought to consider. The corporate shield would not only protect you any kind of transcription liability (which is in reality nonexistent) but also against IC's and employees coming after you for discrimination etc which is a far more likely occurrence than any professional liability. As far as hospital accounts requiring it - it's in their basic contract - just line it out and explain there is no liability to the MT. Incorporating would give you far more protection than $600 of liability insurance. Not only that, but I would say the price of $600 is way too expensive-- that is more than nurses are charged and they carry far more liability.


Incorporation also carries some very nice benefits in terms of paying yourself a salary and not paying SS on all the earnings that your company produces (SS should be paid on what YOU earn, not on what your corporation earns). That saves me approximately $5000 a year right there. If your service is earning more than $50K a year, I would highly recommend you invest that $600 in a consultation with an attorney and get yourself a CPA. Keep that tax money in your own pocket.


As far as the little incident with the Medicaid fraud- this is why MT's now only hold records for 30 days (long enough to do billing) and then dump 'em. Nowadays it is the doc's responsibility to archive his own stuff. With everything in data files instead of paper copies, simplest thing in the world for them to do their own archives and back ups. Think of how easy that would be when the FBI shows up at your door. Yes, sir, I have everything from April 2006. Do you want it?


Again, I would have to say liability insurance is completely unnecessary for MTSO and for IC's or employees.


I was told the new one will be less than $200/month. My husband's insurance is horrible and $800
nm
It stops at the end of the month you quit. Shop around though, I found insurance
for $193 a month for me and the kids. Limit is 2 doctor visits each for a year, but since it is only temporary that is fine, lots cheaper than Cobra which was doing to cost me over $800
Can anyone tell me the insurance cost for Amphion per month or pay period? I am a single mother
with 2 children under age 10.  I know you can't give me the exact amount, but anything you can tell me would be great!  I have asked the recruiter but have not heard back as of yet and weighing my options.  TIA!!
General Liability Insurance Question for other MTSO's
We are small and need to pick up general liability insurance for our company.  The MTs working for us are IC's.  Just wondering who everyone else uses? 
Yes, I think you should work for that offshoring company, go for it!. Feeding your family ist the m
Nobody is going to pay your bills and put up a monument for you because you refused to work for an offshoring company!
I work for a small national. I have steady work, usually

extra if I want it.  I make 10 cpl as an employee, get vacation, 401K matching, PTO, wonderful QA, lots of ESL dictators but mostly decent ones, direct deposit, no IM, no nasty e-mails, no phone calls asking me to work extra day after day.   Saying that MTs are surprised at how much money they make because they have steady work even though the line rate is low sounds like a line a used car salesman would use.  A low line rate is a low line and an insult, especially since without the MTs you wouldn't be able to pay your bills.


Just because everyone else sees to be going to India is like the saying you parents would say if everyone else jumped off the bridge ....  Many companies sell out, but you don't HAVE to sell out.  You choose to get more bang from your buck but I've seen the work that comes back from overseas and I would never put my name to it.


You might can fool some of the people some of the time, but it won't fly with me. 


 


Where I work is for a small
locally owned company that is not large enough to attract the interest of the poachers from offshore. Neither is it large enough to accommodate additional people at this time. Just a few local people doing our work quietly. The point is, I found it, and you can find places like this, too. Hint: Don't look to the big companies. They have no loyalty to their workers. In my book, smaller is better! Doing research is part of being a good MT. And although I make a penny less than the vaunted 11 cpl from MDI, I actually earn more per hour, as I do not have to deal with a constant flurry of ESLs and equipment that is so old and unreliable that it is a headache just to log on each morning.
I work as an IC for a small company and
I have worked for nationals and always hated having hundreds of different doctors and all the different account specifics, and above all searching for the demographics that I didn't get paid for.  Now I download from a FTP site, transcribe in Word and send it back within 24 to 48 hours (depending on the account).  I currently have 3 different doctors that I am very comfortable with and can breeze through.  I have no regrets about leaving the big nationals.
I also work as an IC for a small company
(without a contract too, so you are not alone, but working for me also). I just let my company know when I will be gone with plenty of notice (at least one month ahead of time), especially if I will be gone for an extended period such as a week or longer. Have never had any problems.
I work for a small hospital...
which is going through some changes (selling out to another organization).  My question to you is what area are you in.  I have been trying to get an hourly rate for my area for a while now and can not get an answer.  I also get paid per minute, not production per se,  just a certain amount for every minute of dictation I do.  I do the basic four which also includes radiology and psychiatry.  A little over a third of my work is radiology.  Please e-mail me.
I work for a small company and
some of the clients have actually threatened to go with the larger companies that offshore to get cheaper rates. I've had to take a pay cut in order to keep the account from going to India. The clients will go where they get the better deal. Many of us will take a pay cut because of the competition regardless of how big the company is. I don't think anywhere is safe. You have to work harder to make up for the cpl loss.
Maybe is it for a particular account. I work M-F. You are required to work one weekend an month.
a
I work for a small company in Iowa

The woman that owns the company is crazy.  She treats physical therapy like it's acute care.  They are office visit notes and she acts like they are Op notes and the doctor is breathing down her back waiting for them to be typed.  The physical therapist could care less ------- it's an exercise class lady - get over it.  At 6 cpl she wants a miracle.