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It would really appear that you are paying for your own coverage with no employer contribution.

Posted By: Yep..I agree.. on 2006-02-12
In Reply to: I pay $202 per month for just me. The coverage is sm - KeystrokesMT

I currently have employer contribution and my portion is $140 a month, but it is for excellent coverage, $25 copay, $500 deductible etc.. How can they justify having the employees pay all of their insurance and say they offer benefits. I guess they should say we offer benefits that you pay for.. LOL..


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It is always okay to not give 2 weeks to an employer who is not paying you.
By not paying you, your employer has broken the employment agreement. My husband runs a small construction company and begs, borrows, and lets his bills go unpaid before he EVER makes his employees wait for a check. They are also paid immediately following a payperiod, not a week, or 2, or when we decide to get a check in the mail.

I was in this situation with my last employer. I did start to e-mail my supervisor that I was not working until I was paid. Of course, that ended up cutting off my nose to spite my face, so I went job hunting.

Lastly, from a business standpoint, if your employer cannot go to a bank for a short-term note to cover payroll until their payments come in, you are on the verge of a huge problem. Our credit is far from perfect, even including a bankruptcy 6 years ago, but my relationship is good enough with my bank if I went in and asked for an emergency operating note, we would get it. If your employer cannot or will not do this, it's time to find a more stable company.


it totally depends on what your employer was paying
from my understanding, they can only charge 2% more than the actual premium the employer was paying -- not what YOU were paying.

Ex: My husband had insurance that cost us abour $400 month for family. He got laid off (no work) .. and it was going to be over 1200 a month -- he worked for a great company that picked up all of his and part of the family --

so the only way to know if to find out the actual premium your company pays.

Not 1000% sure of this, but it is what I was told ..
good luck
It works well when you have a spouse whose tax contribution covers you. nm
x
When I am renting, I am PAYING; when I'm working, THEY are paying ME. sm
Seems I should be running a credit check on the potential employer to see if THEY are responsible with their money, not the other way around.
MAYBE they only need coverage
during those times. They might have other employees/ICs that cover other times so they only need them then. If you don't want to work then, then don't work there. As an IC you do not have the right to jump in whenever. You only have the right to say I will work xx to xx; or say no, I will not work xx to xx.
They do not pay anything on family coverage, IMO. That is why I would rather be an IC and buy

my own policy versus being an employee of a service.  When you think about it, being an employee for most of the services out there offers no real benefits at all.  I have found that the PTO that some of these companies offer as part of their benefits package is a crappy.  You basically get paid a base hourly rate for any PTO you take and that base rate never EVER equals what you actually make when typing.  So you are basically penalized for taking time off.


And health insurance benefit packages are a joke!  They pay nothing for family coverage and not to mention there is always the threat looming over your head that if your production falls, they can take your benefits away.


If I were you, I would either be an IC and buy your own policy or try to get on with a hospital that offers work at home MT jobs.  Hospitals are the only places that offer decent health insurance coverage for families.  I have my own accounts and bought a health insurance policy for my kids and I, but recently I took a job with a hospital just for the insurance.  So now I have my own accounts plus I work FT for a hospital from home.  I pay $175 a month for family coverage with a $1000 family deductible.  It was financially a smarter move for me to go to work as an employee with the hospital because I'm saving a bundle on insurance.


Again, let me say, I would NEVER go back to work as an employee for a service.  They don't offer anything that I would consider benefits.  You're better off buying your own policy.


Family coverage
is about $217 per pay period. I think you have to get this one if you have more than one child.
I have the individual coverage
and it's about $17 per week.  United Healthcare, good plan.  250 deductable.  I wish I could help you more but I know my regular doctor is on the plan so I am quite happy with the coverage.  Hope that helps.
I pay $202 per month for just me. The coverage is sm
OK, not bad actually. I don't go to the doctor often though.
Yes they have family coverage

but I do not need that right now.  I have a schedule but they are flexible hours so that really helps.  Pay does include all spaces, but what I like is the direct deposit and the steady work.  I have been with Medware for 2 years and always have work.  If my primary is out they give you a back up account.  Finally my income meets my needs and I can move ahead with some things around the house that needed fixing.  Plus it's nice knowing I have good health insurance.


We apparently don't have the same coverage
I have been charged the deductible for office visits, which was a surprise to me when it happened. Also, many medications are $50 per co-payment.

If you are healthy and don't need it, I guess it's good insurance. If you use it, you pay a LOT out of pocket and now it will be worse.
WMX has best overall family coverage
I absolutely agree 1000%!!! It has great benefits.
Vacation Coverage - IC
I work as an IC also, and I'm taking a few days off in just a few weeks. I let them know a month ahead of time. I'm the only one working for this company (very small) and she won't hire anyone else, so they know what they're in for when I'm gone. I don't know what they're going to do because they always had another girl for back up. The only bad thing I'll have more work than I can handle when I come back. I'm not sure how other companies handle the situation.
What kind of coverage?
Is that pretty good coverage or a big deductible?
MTSO can say need coverage for Dr X, do you want
x
That is for family coverage.
Maybe there are people that might have had a different experience, but just giving my opinion. I have also heard their platform sucks before from other people.
I did not take the insurance coverage - already had it. nm
x
True. They may only need coverage for
certain times, therefore those are the times they hire the ICs for.
I had to drop my coverage -
I could not afford to pay the premiums as I had no work. I was basically working just to pay that.

Also, since they paid on a tier plan, I went from making over 11 cpl to making 6 CPL at the same time. That is why they do not mind overhiring - they get the same work done for much less money, so that means more money in their pockets.
Sorry, that should be employer!
NM
If I were an employer
and observed the way some of the people behave on this board. I think I'd be giving psychological tests as well.
As with any employer..
They expect you to work your shift. If you want a schedule that is flexible, become an IC.
You need to ask your employer how they
count lines. Vary from MTSO to facility. Everybody is different.
No. If you are an IC your employer does
not withhold anything, you are totally responsible for federal and state and SS taxes. Most companies pay the IC a higher rate than employees because taxes are not withheld.

They are an at-will employer
and if you can't do x-number of lines in an x-amount of time with 98% or better accuracy, 40+ hours a week on a strict schedule, don't even bother. You can just imagine the kind of accounts they have.
No, this they cannot do, not an employer,
this is discrimination.
Health insurance company operate like that.
I have it 2. Pay about $50 for full family coverage.
Yep, all maintenance is paid 100% - major stuff pays very well, too. I really like it, and have had it for years and years.  Nothing exciting, but good basic dental coverage. I like the $1000 a year per kid for braces! Sure helps with 3 in them!!  I think its just the normal probationary period til it starts - 3 months? Honestly don't remember reading anything about waiting a year for braces though. 
That's not bad for single, but I really need family coverage.
Anyone know what these companies preminums are like for family coverage.. Thanks.
Single coverage at TH for medical is $52 a mo and add in sm
vision and dental takes it up to around $70, which is the most reasonable I have seen.
Coverage through my DH company for 2 adults and

2 kids is $280.00/mo for medical only, additional $$ for dental, vision, and life insurance for other members besides DH.   Not sure how much company pays, but not much.  


Starbucks has the best health coverage -

NM


 


question about IC and vacation coverage pls sm
I was under the impression that as an IC I am not responsible for finding vacation or sick coverage for accounts; that would be up to the company I am contracted with (no written contract, just verbal but don't flame me it's worked for 4 years now).  What do other ICs do when they want to take time off (a foreign concept, I know I know)? Do you find your own coverage or let the company who has the accounts handle it?  This company has flip flopped so much - at one time we had to have our own coverage, another time we got major slapped for doing so as the accounts were theirs and they would handle coverage, and now seems to be swinging back to find your own or don't take vacay.  TIA.
Probably pay 50% of single coverage and you pay the difference.
xx
I have individual coverage and I pay less than $100 per month. They pay
the rest. I think it's definitely more for family coverage and I am not really sure what those rates are. I would just call and ask them. They're really nice and helpful.
Did MDI-FL ever change their insurance coverage? SM
I was told by the owner several months ago that she was looking for a cheaper policy for their medical coverage. 
Webmedx does. Great coverage. nm
.
it is major medical coverage at best
affordable maybe
Best selection, rates, & coverage
/
Benefits deducted, no coverage. ADP
ADP normally processes payroll and payroll deductions which are functions separate from the administration of one's benefit plans.  However, payroll deduction is the proof that your enrollment application was submitted and processed by the payroll administrator.  Therefore, keep the pay stubs to prove that you have the coverage.

 

Your first step should be to contact your employer and ask to either speak with or be given the telephone number of the person responsible for the ADMINISTRATION of your benefit plan. 

 

Then contact this company, get the name of the person that handles your employer's group, tell this person of your problem, and finally request an enrollment card be mailed via overnight delivery to preclude a continuation of failed coverage acknowledgment.  As an option so you can have immediate use of benefits, ask the group administrator for the telephone where your dentist's billing clerk can call to verify coverage.   Verify that the administrator has your current mailing address.

 

If you have any continued difficulty with getting the underwriter to work with you, simply advise that you are considering the filing of a formal complaint with the State Insurance Department if the matter is not resolved within the next five work days.  This threat is usually good enough to get action.

Goodness. I have coverage for a family of 4 for
less than that.  I would have looked at options long ago. 
I'm an IC and have private Humana coverage
It's $99.05/month for just me. This includes $35 copay for dr visits ($50 specialist visits), $1535/55 Rx, depending on what level the medication is, $75 copay for ER visit. It's a PPO. The only really bad thing is that there is a $2000 deductible, but that's only if I have to be in the hospital and hopefully that won't happen. I'm 29, have never had a lapse in insurance and have no health problems though. You can go to ehealthinsurance.com and compare rates for private insurance if you're interested.
affordable health coverage

Could anyone one give the names of companies they work for with good health and dental coverage (individual plans) at an afforadable cost?  Any info given is appreciated.  I consider affordable as not too much more than $100 per month---80/20 plans okay, but prefer 100% coverage plans if they are out there with reasonable deductibles.  I know this is a tall order!  It can also be a noncompany plan, if anyone knows of a great insurance company plan outside of the job.  I am 45 and in good health, just borderline hypertensive (if there is such a thing---although it does make my rate go up).


 


Thanks!


I do think ppl have lost jobs / ins coverage which sm
means that basic needs are not being met; people are deciding to put food on the table instead of seeing a doctor. Elective surgery is even more unlikely to be done because, by nature, it is something you'd choose to do; even rich people are uneasy in this economy.
Health Insurance Coverage
Anyone know of any companies that offer health insurance with a company other than Aetna.  Aetna is probably great insurance for most people but almost no preferred providers in my area.  Would like to find Blue Cross and Blue Shield or United Health Care.
My family coverage amount
I work for Axolotl and our insurance just changed at the beginning of the year, but I pay 134.00 every 2 weeks for mine. It's Aetna PPO insurance. I have coverage for myself, son and husband.
WEBMDX FAMILY COVERAGE INS-Does anyone know how much it is?
nm
Are you looking for individual or family coverage?
X
Do you ask your employer's permission to do everything
in your life?

I don't. I did what was best for me.

They purchase my skills and expertise from me while I am on the clock for them. I don't share their secrets with the enemy nor vice versa. I have maintained my quality and production the entire time I've worked for them.

I don't ask for permission before I go do what I need to for my household.

You're right. MQ doesn't seem to have a problem with it. Spheris would not feel the same way, probably.
MDI is very good as an employer, think they
have IC status but not sure and also may have SE status.  They are flexible as long as the accounts stay in turn-around time.  They are good to work for.  I have been there since 3/2004, started part time, went full time in 05/2004 after I tried them out to see how I would like it. 
To tell current employer or not? SM

I am currently looking for a new job.  I love it where I work now, but need benefits and they do not offer them.  On applications they want to know if they can contact current/prior employers.  I certainly don't want to put no (as I'm quite sure that would raise a red flag), but I just worry how my current employer will react if he gets a call from prospective new employers asking about me.


Should I write my current employer and explain why I'm looking for work rather than let him be shocked to get a call out of the blue?  Guess I already know the answer, but am so worried.  Would hate to burn my bridges if the new job doesn't work out.  Ugh...I sound terrible.


What would you do?


Thanks!


By all means ask. I have and my employer was
They want you to be as productive as possible. If you're not producing lines, they aren't billing and receiving for them either!