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Still not affordable but better than my husband's so we have no choice. sm

Posted By: KSRadMT on 2007-10-17
In Reply to: Nope, not affordable. At least not when I left. nm - Former KS

His company is $1410 for a family of 4 and none of us have any illnesses or surgeries. Highway robbery.

We pay $710 a month at Keystrokes. Still high but half.

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Define affordable? What may be affordable to one person may not be to another. nm
Very affordable!

I have found that Webmedx's insurance is very affordable, more so than a lot of the other MTSOs out there. 

okay but is it affordable? for 2?nm
Affordable benefits
Are the benefits affordable?
affordable insurance

I work in a hospital which is merging and our department will be outsourced.  I am looking for a job with afforable insurance.  I would have a new job today if not for the cost of family insurance, over $400 every two weeks.  I've only worked in hospitals were insurance is usually around $100 per pay period for the family so $400 came as a huge shock to me.  My husband as some pre-existing conditions so getting a personal policy is out of the question.  Anybody know of a company with afforable family insurance?

Benefits are very affordable...sm
Benefits are under 200 biweekly for me, and that includes family gold plan, dental plan, vision plan, and life insurance for my husband and kids.  As well, they provide long and short-term disability, 401K, an some other stuff I don't remember. 
Depends on what you consider affordable.
It is expensive, but far less than what you would pay if you went it on your own. Employer picks up at least half the tab, possibly more. I know I would pay around $1200-1500 for my family on my own and right now for a family of 6 I pay a little over $550, but that's pretax so actually it reduces down to the equivalent cost to me of about $460 net. For 6 people, I can't complain.

Also, the insurance is pretty good in my opinion. The dental insurance is awesome and under $30 a pay period for entire family (no pre-pay or deductibles) and everyone in my area takes both the dental and the medical.

Not sure on what you mean by 1 or 10 kids. Aren't most insurances this way? They cover yourself or yourself and spouse or yourself, spouse and children. Haven't seen one where each additional child causes the premium to rise.

You have to type 150 lines an hour to qualify, which is pretty easy if you know anything about MT'ing. Have never ever gotten close to that low amount except when first training, even with multiple unknown accounts once in a while. Haven't heard of the 10,000 lines per pay period before.
Does DSG have affordable health benefits? SM
Any idea on the cost of this?  Thanks, :-)
What is Medware's pay range and is the ins. affordable? nm
You will not find any affordable family

about the same and very expensive.  Just the insurance market I guess, my husband's company has it available and with both of our incomes it is a large portion of our monthly expenses. Just my 2c, but I have asked every company I have ever interviewed with and today, family insurance rates are just unaffordabe everywhere.

They didnt worry that it would be affordable for the MTs.
you gotta be kidding, lol
Nope, not affordable. At least not when I left. nm
Yes, Webmedx does have very affordable insurance. sm
I pay 145 a pay period for myself and husband for the gold type insurance (which is the best we can get).
How much is the insurance, is it good, affordable?
I really need insurance and don't want to apply if it is not affordable.
Does the company you work for have affordable (sm
health insurance?   Can you share the name of the company on here or via e-mail? TIA.
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).



companies with affordable benefits
Does anyone know any companies that are hiring that have affordable insurance for family?  I need to get a position with insurance.  Thank you for any replies.
Is Medware's health insurance affordable?

I am looking for either family coverage or just husband and wife coverage.  Any idea of how much their insurance costs?  I remember a while back they had their rates listed on their website and they seemed very reasonable. 

Can anyone give me an estimate on how much they pay for their health insurance for family.  This would be for the PPO insurance, as I do not reside in Florida.

Thanks guys!!!

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.
Is WEBMEDX's health insurance affordable?
Can anyone tell me more about their benefits, including the health insurance?  Thanks so much.
Very affordable for individual, high for families, sm
but I think all insurance is high for families. 6 holidays, a few days PTO until you've been there over 6 years. (and they keep changing the PTO yearly).
TransTech - is their insurance affordable? How much do they contribute? sm
For family coverage, about how much is the monthly premium?  Do they pay well?  Do you have to work a set schedule or can you get your lines in within a 24-hour window?  Thanks!
I believe they have several to choose from - affordable and decent coverage, IMO
Axolotl has great affordable insurance!
Their rates are better than any MT company that I know of.
Anybody work for TransHealth as an employee and how do you like it? Is the insurance affordable?
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!

I have single coverage - affordable - but don't know about family. Call them.
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
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???
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. 
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
Same here. My husband wanted to help me out
and encouraged me to try it, but I definitely could type faster.. Just could not stand being so slow...like with my crazy slow dial-up I'm stuck with, drives me NUTS!
My husband is a retired
truck driver.  The truck driving industry seems to have gone the way of the MT business.  I wish you well though.  Sometimes I'm glad I'm old and really don't have to work anymore if I don't want to.  Gonna go paint my gourds!!
Please tell me you are kidding about your husband! nm
Keep IC job since husband has benefits...nm
Her husband's a big jerk too.
I had to leave because my husband
is active-duty Air Force and is leaving for training. We have a three-year-old daughter and cannot afford daycare.
And my husband works
union and we pay no premiums and total coverage. Yeh!
My husband is in sales. He also
It's not just MT.  He has to sell 30% more of the product and also his contribution towards health benefits went up $160.00 per month.  We are a family of four.  There is no forum for flooring retail that I know of, so we just grin and bear it.  There is really nothing we can do.  This economy is tough.  But what I decided to do instead of worrying about the economy is just take a bit more work and work just a bit harder.  I was just so elated that they did not lay him off.  I guess I tend to look at things a little different.  Yes, it is hard on him to convince people to buy when the economy is bad, but somehow, some way, since he's really great at what he does, he's been doing rather well regardless of the paycut and extra putting out.  We've managed.
Well what is in Oldsmar, just the husband and brother?

The website and checks say the Palm Harbor address. 

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??
Oh please, that's a crock. I have savings and husband, but I still
I already have insurance through my husband's job, so I didn't need it.
Sounds like my husband's ideas
He is always the optimist, I am the opposite. I consider him na´ve because he seems to believe most told him. I can understand what you are talking about. I have thought just in the past few years (now since I am in my older years) that if worse came to worst, at least I would have my retirement fund (the work doing now is after being outsourced from this place I will now draw funds from) and then social security kicks in for me next year. I want to continue working plus drawing full benefits from social security and the retirement- that is my goal and I hope to make it.
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!