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I like the insurance they have now. It is cheaper than the one that my husband's company has. s

Posted By: RadMT on 2008-03-10
In Reply to: KS insurance - Maria

They have been trying to get new insurance for over a year but do not have the participation requirement filled, as they have let everyone know. However, I spoke to a manager who told me that the one that they have been working on since December looks good, just taking longer than expected as they keep asking questions.

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We have insurance through my husband's company and this year

our premium was only raised $3.00 and our benefits were improved. 

If you have pre-existing conditions you don't have lots of options, but there are lots of other options available otherwise. 


I have insurance through them. It is Unicare. It is less than what my husband's company charges
It is high though, $487 per month for myself, my husband and 2 kids. DH's job wanted $940 per month.
High insurance costs are a national problem, not just in MT. My husband's company sm
charges us $210.00 per paycheck for him, me and our 2 children. The deductible is $500, each visit costs us $25, prescriptions are $10 for generic and $25 for everything else. It is getting crazy everywhere.
Get private insurance. It is probably cheaper
and better than what company offers. 
I have insurance through my husband.
I like being an IC too, but when you have your own accounts, it is tough to take time off.  Plus, you have to be really regimented about working.  It is very easy to get distracted.  When you have doctors counting on you, then you just do what needs to be done and the money rolls in.  I have a big problem at this point being told to work set hours and do a set amount of lines or minutes, so I tend to like IC work!  True IC work with a company online is hard to find though.  Most of these companies want you to COMMIT to certain hours or certain minutes of dictation or certain lines per day, which in my personal opinion is not truly IC work.  Just my 2 cents. 
Insurance is no cost at all to my husband
and me thru teamsters, $20.00 copay when going to the doctor, PTO. That is the good part- now the bad- if he should die before me, no insurance for me. Well, since I am 10 years older, will possibly have Medicare before him, who knows??
I already have insurance through my husband's job, so I didn't need it.
I was told the new one will be less than $200/month. My husband's insurance is horrible and $800
Well, my husband has worked for the same company for sm
over 25 years and still only makes $11.75/hr. Try living below your means on that! It takes all of his income plus mine as an MT to even make ends meet. As for Dave Ramsey, he has some good points, but saving any kind of money on our income is practically impossible. And, as for giving up extras, like new cars, etc., we dont have any of those things either. We cant even go out to dinner once a month. Things have gotten very bad. No raises, but higher bills.

Okay, I'm done complaining now. Off the soap box!
The coverage for myself, husband and 2 daughters through his company is $762 a month. sm
My sister pays $480 for herself and her teenage daughter at a national MTSO (not Keystrokes).

I think it is going up everywhere. Maybe the Clintons were right.
Because it's cheaper to pay an MT (sm)
nothing to research the demographics than to pay a clerk min. wage.
Ax IS Cheaper
I felt I had to chime in too.  On my insurance, I have myself, son and husband and only pay 153.00 per pay period.  They ARE the cheapest I have found and have worked at several MT companies.  I absolutely love Axolotl. 
actually not cheaper to pay it

Say you receive a service that the regular charge is $50.

Submitted through insurance, doctor is contracted with insurance company to discount price to $20 - you pay $20.

Telling doc you don't have insurance, doc does not discount - you pay $50.

Depends on your insurance how much your doc/hospital will discount...but its better than paying full price.

I'm sure they pay us for NJA because it's cheaper to
pay us to sit around and do nothing. 
If you know who the insurance company
is, contact them. If that is who you have been calling, contact HR at your company. SOmetimes it does take a while to get the cards, as long as you have the information on the insurance company you can give to treating facility, if you need it, you should be covered.
keystrokes ?cheaper
I heard from a friend that her long-time client changed to Keystrokes because they were cheaper, so I wondered what cheaper meant...
You can find them much cheaper, but you need
to be sure it is compatible with the software you will be using.  Some companies have proprietary software and only certain pedals will work with it.   If you don't already have a job where you need a foot pedal I would wait.  You can use ExpressScribe and use hot keys to do testing and then get a foot pedal when you know what you will need.  If you want to go ahead and get a pedal anyway and can find one cheap get a USB pedal.   There are some pedals that are serial port, some that are game port, and then USB.  You can get adapters for the first 2 to make them USB, but again it depends on the software you will be using it with.   You can get new pedals at numerous places for $70 or less.   The ones you see must come with software too, not just the pedal.   You can find used ones for as low at $10 sometimes on e-bay.  Also look on the equipment board here. 
Sure they are cheaper, but remember that when....
your health insurance premiums continue to rise and costs of living in general are more expensive. You may have saved dollars on the front end, but believe me you will end up paying more in general for that cheaper-costing pool. Enjoy that pool!
$80 for $500 deductible, cheaper w/
Anyone know what company OSI's health insurance is through?
Insurance question. The company SM

I now work for has something called consumer driven insurance.

I would like to know the names of MT companies that offer HMO or PPO. I do not care what the premiums are; just if they offer regular health insurance and not the above-mentioned type.

Please help. Thank you.

Just dealt with that with my insurance company
Makes me insane!! Health insurance issues are pretty important to me, especially when the bills are a couple thousand dollars. It would be nice to be able to understand what they are saying and be understood!
Won't find cheaper for emp+spouse for BC nm

they do not care about that and will find someone cheaper.
Looking for a company with affordable health insurance.
Anybody work for Proscript or DSG, can you tell me how much you pay for husband and wife coverage?  Thanks so much.
Great company and they pay employee insurance. nm
Need a company that takes out taxes and has insurance
I can't be an independent contractor because my husband is self employed.  One of us needs to pay for taxes and insurance.  Anybody know of some companies that do this that I could check out?
65-character is the way it is now. The clients are smarter and cheaper than sm
they used to be. Very few have weekly pay. I agree about QA rudeness.

9-10 cents per gross line! Where? Sign me up !!!
I really wonder how much cheaper it is to send work overseas. When you
think about it, IC here gets about 4 cpl for VR and about 8 or 9 for straight typing.  Overseas they have to go through a middle man or whoever owns the services and you cant tell me they arent getting a decent cut of the cpl and paying 3 cpl or so to their people.  Just my thoughts.  I bet the cost is very close anymore to what we earn.  I see Delta is bringing its reservation call service back here from India because of all the complaints from US customers. I would expect it is the benefits here for employees that causes a problem costwise for MTs.
Oh really? What company do they carry their insurance with? Thinking of applying there.
Anyone know of a GOOD company with affordable health insurance?

Hi.  I am a 14+ year MT.  I love the company I am with but they offer NO benefits whatsoever.  Does anyone know of a company that is looking for a dependable MT that offers reasonably priced health insurance and would give at least 9-1/2 cents a line (which is what I am getting now). Any help would be greatly appreciated.  THANK YOU!

We all had to call in to the new insurance company last week. I was told that it will be sm
around $250 per single and that KS will be picking up a large portion.
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.
When you leave a company, is your insurance canceled immediately?

I'm assuming I'll still be getting my premium taken out of my check up to the end, so does the insurance go til the end of the month?  Want to make sure my daughter's dentist visit in Oct is covered, and 2 weeks notice would put me into October but I wonder if I should wait until after her appt for my last day.  Does anyone know? 

Oh yeah.... I got a new job!!!  I got a new job!!!


Most hospitals will. Pay your dues (work cheaper to get experience.)

Give TT some time to see if they can find cheaper plans

I also am greatly upset by the insurance hike, but I have decided to give them some time to see if they can come up with something more affordable.  Like many of you, I have to insure my whole family, so this increase is astronomical. 

The grass is not always greener.  Changing jobs means switching out problems, and yes, some problems are easier to deal with than others.  My last job (Amphion), I was so stressed out, I lost a lot of quality of life.  I have young children.  I can't afford to be a stressed out freak just like I can't afford the expensive health insurance.  When I moved to TT, I regained my quality of life.  I'm not so tired anymore, and I'm able to be a better mom.  That means the world to me.  I'll hang in patiently to see if another option can be found for the health insurance. 

Sorry..I meant to say I called into the insurance company but forgot to ask about rates! (nm)

Survey - What type of medical insurance does your company offer?
Just curious about which company you work for and what type of medical insurance they offer.  HMO, PPO?  Cheap or expensive for you?
Does any company offer insurance to part'time employees? nm
Seeking company that offers good benefits including insurance.
Ideally, I'd like to find a company that offers medical insurance at a reasonable cost for family (under $500 a month) and a decent line count rate. Anyone have any ideas on this. Thanks.
Gosh..does this company start with an F. In any event, you need to double check with your insurance
provider to see the exact date the policy was cancelled. Sometimes, companies have to pay preminums ahead of time. I would just make sure and if they are still taking the money out, you need to send a certified letter telling them to return your money at the point you were paid up and the policy cancelled or reinstate the insurance. Why pay for something your not getting.
FlashType is cheaper and works equally as well as Shorthand and has a free demo.
See FlashType link below...
Heartland will sell accounts, because when it is done overseas the cost for the client is cheaper
Me and my husband
are both independents. We went to a health savings account. We pay approximately $350 a month with a deductible of $5000. This sounds like a lot - but it was cheaper in the long run, compared to higher monthly premiums. Right now we visit the doctor very infrequently, I am more worried about one of us landing in the hospital as we get older. THAT I want covered.
Then L's husband perhaps?
I thought she owned, maybe her husband but no problem, still love working there.
Yes I will. My husband may be going
up that way in a couple of weeks - I may have him peek in on that company and give me a first impression thought.
What does what her husband makes have anything
to do with anything?
My husband is in sales...sm
He is in sales, plus makes an hourly rate. He is considered full-time and the healthcare takes a chunk from his pay, but is well worth it for our family of four with two children under 12 years of age. I'm so glad he gets commission checks once a month. Before this though, I was the breadwinner working a full-time job plus 3-5 extras at home, he was taking care of the kids and working part-time. This arrangement we currently have works out great as I'm home all of the time, but sometimes I do get lonely. I love this message board!
wow, they sure must take a lot out of your husband's check! SM
because with self-employment taxes, etc., it's in the 30+% range!!!!  I don't think I have ever known an IC who didn't have to pay taxes.  What is your secret???
My husband was sued for this
by a previous employer (not transcription) after he quit his job and took a job with a competing company with better bennys and $. It was a route/delivery type job.  He did sign a non-compete contract, but the judge denied their suite saying the company does not have a right to prevent a person for making a living. It was determined he was working an already established route and was not approaching the first company's clients, and therefore was not in violation. Of course every contract is different, but I can't imagine they can keep you from working.
How much is it for a wife and husband??? nm