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Probably pay 50% of single coverage and you pay the difference.

Posted By: nm on 2006-11-21
In Reply to: Do companies really contribute to insurance? - ndmt68

xx


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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.
I love working for TH. I only have single coverage
but it is very affordable and is excellent coverage. I do not know what it is for family coverage but I know that the single coverage runs about half the cost of other companies. They are an awesome company.
BC/BS - single is reasonable and good coverage...
Family is outrageously expensive. I know they are trying to change it, but still expensive.
How is the single coverage/premium at Keystrokes
nm
Welcome to Keystrokes :-) I have single coverage on the insurance sm

so I cannot really answer your question about the family plan, but no one had responded, so I at least wanted to say hello.  I have medical ($1000 deductible), vision, and dental for $129.86 per pay period for single coverage.  I'm glad you cleared that up about the license thing because that threw me!  (smile).


I do not know what the percentage of ESLs is on my acccount.  It is a Meditech/C-phone count, and the lines are not really difficult to obtain.  The only problem I have is me ... can't seem to find my focus lately.  :(


Good luck! 


I have single coverage - affordable - but don't know about family. Call them.
nm
I pay about $150 a month for single coverage, medical, dental, sm
vision, $750 deducible, $15 copay for PCP, $30 copay for PPO specialist.  Hope that helps.
I pay approximately $113 per pay period for single coverage, $1000 deductible.
Hope this helps.
Thank you. Could you elaborate on the benefits, offer single medical coverage or family, PTO etc...
Thanks
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.
Not a single one. nm
s
$500.00/single

I am not a single
mother but I empathize those who are and who are trying to raise a family on their own doing this. If not for my husband's income I wouldn't be able to survive on my own. Thats my point, a woman no matter what should be able to be self-sufficient and chosing this as a career will not give you that security.
Another single mom MT here

Yes, it can be done.  It isn't easy by any means, but it is possible if you are fortunate to be working for a good company.   


I have supported both my child and I solely on my income as a work-at-home MT.  For a little over a year I picked up some typing on the side for a few hours on the weekends for non-MT related businesses.  That at least paid for the phone bill.  I didn't and still don't owe much of anything, so that's a help.  I have one credit card that I use for groceries and gas, it gives cash back rewards and it's paid off in full every month. I almost own my home with the bank owning a mere pittance. There is no fancy car, no yearly vacations where I actually leave the town I live in, and I've had my TV for 8 years, after my grandmother owned it for 6 years.  Criminey, I don't even subscribe to any magazines.  All books come from the library, all newspapers are read online. I have automatic dedcutions taken from every pay check that are directly deposited into accounts for myself and for my son. We don't have much, but at least we have something. I keep an old ice bucket in the closet that all pocket change goes into.  When my son was little and would ask for pizza I'd tell him if there enough money in the ice bucket, we could get pizza. If there wasn't he'd have to wait.  I still use that bucket.  This year it will go towards flowers for the garden. 


My child is no longer a child, he's in his second year of college.  He workd all through his high school years, bought his own car and gives me 75% of his paycheck that go into the account mentioned above for college when he's home working summers.  He works while at college and that is what he lives on while at college.  He has never asked me for money..yet. 


I worked for a national company for almost two years when I first started out as an MT.  The pay was horrible, they were horrible, and I constantly ran out of work. I have worked for two small companies since leaving that national.  I never EVER refuse OT, I do my 8 hours/day 5 days/week and I work my fanny off.  It's not fun, and some days I hit my head against the wall thinking I can't do one more day of the tedium that is my job. 


I was always here when my son was growing up.  I attended every home sporting event, every awards night, drove him where ever he needed to be, and picked him up when it was done.. I was with him when he was sick, here when he had a problem and needed to talk (whine), and the lucky kid got to come home from school to hot choc. chip cookies out of the oven - not because I was June Cleaver, but because the hormones kicked in and I needed a sugar fix.  We both won.  Just don't tell him that. 


Looking back, the sacrifices for this job, mostly my sanity, have been worth it. Though my son grew up without a father, he had me there every single day, whether he liked it or not. We could never, and still can't keep with the Joneses, but I never liked the Joneses anyway.  I love working at home.  My car looks as new as they day it was bought 8 years ago and it has under 50,000 miles on it. Think of the savings of gas, wear and tear on the car, and your sanity if you have to commute.  I was here when my neighbor fell in the boxwood hedges and couldn't get up. I was here to see my dog scare the beheezies out of the two men from the famous door-to-door religious sect who never made it more than 10 feet up the driveway.  Really, can it get any better? 


I know I am fortunate and I try to remember that every time I type a report from the Bozo that dictates from out in the hall. If you want to be an MT, then I guess the key is to finding the right company, working your butt off, pay yourself first, don't spend what you don't have, and pray your fingers and your brain can survive the MT world.


Sorry, but $250 for single is
NOT a great deal!!  I work at KS, and thank goodness thanks to hubby's ins. I don't have to pay that.  I thought MQ was bad at $150 a month.  SHEESH!!!
If you are single mom, with this SM
economy, the feeling of being pushed out is so vague, I can't imagine you giving up a job for that.  Is there something in particular that's happening that is forcing you to leave?  Hourly jobs are really scarce nowadays and most are on production.
I'm sure that every single one of us sm
if we were to admit it, have let ourselves be taken advantage of when we first got in this profession. But, if we continue to let ourselves be taken advantage of, that is where the problem comes in at. I figure I will just warn those who are doing this and if they want to be used like this, then its their problem, but it sure isn't making things any better for the rest of us and it also is causing nothing but downrigiht SLAVE LABOR!

I am willing to work my rear end off for my company and go above and beyond. But, when a company takes advantage that is where I draw the line. On top of that, like the other poster said, 7cpl and paying your own taxes is not enough money period!

Truthfully, I don't know what the answer is. I know people need jobs and especially now you have to do what you have to do sometimes to put food on the table, BUT personally, I wouldn't do it and be anyone's slave. On the other hand, I WILL go above and beyond the call of duty for a good employer who appreciates what I do, the skill I have and the willingness to work. Its a give and take. I think any company that wants a decent reputation will treat their employees right. Hmmmmm is that too old fashioned thinking??
I'm sure that every single one of us sm
if we were to admit it, have let ourselves be taken advantage of when we first got in this profession. But, if we continue to let ourselves be taken advantage of, that is where the problem comes in at. I figure I will just warn those who are doing this and if they want to be used like this, then its their problem, but it sure isn't making things any better for the rest of us and it also is causing nothing but downrigiht SLAVE LABOR!

I am willing to work my rear end off for my company and go above and beyond. But, when a company takes advantage that is where I draw the line. On top of that, like the other poster said, 7cpl and paying your own taxes is not enough money period!

Truthfully, I don't know what the answer is. I know people need jobs and especially now you have to do what you have to do sometimes to put food on the table, BUT personally, I wouldn't do it and be anyone's slave. On the other hand, I WILL go above and beyond the call of duty for a good employer who appreciates what I do, the skill I have and the willingness to work. Its a give and take. I think any company that wants a decent reputation will treat their employees right. At least that is the way it should be...treat your employees right and they will do a good job. Hmmmmm is that too old fashioned thinking??
and I can't think of a single MT
who shouldn't be required to take a written exam for the 20 laws defining and IC versus employee, to make THEY fully understand the difference between the two.


I would do it too if single.
I am originally from the PNW and I know a lot of people who have gone to Alaska for temp jobs because of the extra bonuses and pay offered to get qualified workers up there. It can be a good deal. Many of them went up there and saved all the money (said there wasn't much to spend it on anyway since room and board are often provided to temp workers) so that when they came home they took 2-3 months off. Sounds like a good deal to me. I have never been to Alaska, so I think it would be interesting to go live there for a short time.
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. 
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.
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.