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The coverage for myself, husband and 2 daughters through his company is $762 a month. sm

Posted By: IC with a small company on 2006-02-12
In Reply to: YIKES!!! This is horrible. Guess I will not be applying there. Thanks for the info!! nm - Seeking answers

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.


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I was told the new one will be less than $200/month. My husband's insurance is horrible and $800
nm
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.
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.
!60-180 a month is average for decent coverage.
Remember to multiply what you have taken out every 2 weeks by 26 or twice a month by 24, then divide by 12 and you will see what you really pay. 
!60-180 a month is average for decent coverage.
Remember to multiply what you have taken out every 2 weeks by 26 or twice a month by 24, then divide by 12 and you will see what you really pay. 
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.
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!
How would your daughters friend
know your PIN number? Call United Way or 211 from your land line phone and ask for an agency referral to an agency who can possibly assist you.
I like the insurance they have now. It is cheaper than the one that my husband's company has. s
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.

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.
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.  


I am one month new to this company too...
and I love it.  Bayscribe is one of the easiest platforms I have learned and it is very user friendly.  The people are nice.  Small company.  10 cents per line.  I have a great account.  Positive feedback from QA.  I am really happy with my job, happier than I have been in a very long time. I have another position that I am probably going to give up and just go with MDI.  Any questions, go ahead and e-mail. 
My company did that too, about a month before they
went belly up.
Every company I have worked for (5 total) has paid twice a month. sm
Every two weeks would be too hard to manage. I get paid on the 10th and 25th, so I pay all my bills on the 12th and 27th, which works out perfectly for me.
I was told several new accts are coming on this month and also next month, so
I'm not worrying.
Pay period goes from 1st of the month to the 15th, then 16th to the end of the month. sm

So, I guess you could maybe get by with less than 1000 a day, although the incentive tier would make it worth your while to do a bit more.  I am using ExText, and yes, I find it easy to use, but then I used it for a year with another company.  I think their other platform is Mongoose, and I know nothing about that, so really cannot say.


Yes, they are hiring now.  In fact, there is a $500 sign-on bonus.  I think it is all just acute care.  I'm sure they would love to have someone with your experience.  Rhonda Durham is the recruiter.  I am sure she could answer any of your questions.  I am happy to help too, if I can, but I am relatively new.  The account I am working on is mostly psych, it seems, and I am loving it.


Another nice thing, their benefits start after 60 days, not 90 like most.


Good luck to you.


TransHealth starts 1st day of month after month SM
you start, BC/BS, good rate on single, don't know about family premium.
Last month was slow on my account..but this month (sm)
we've been swamped...
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.


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
Thanks
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
nm
Her husband's a big jerk too.
x
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
xx
Still not affordable but better than my husband's so we have no choice. sm
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.
I already have insurance through my husband's job, so I didn't need it.
NM
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.
yes, after my husband had 5 heart attacks, you would be too
Sometimes life happens. My husband had 5 heart attacks, requiring cardiac surgery. If you were working several accounts and had to answer 800 emails and hire while your husband was in the hospital, maybe you could understand.
Husband ditto here. Kicking out...
yet, he does not believe me when I say I am trying my best to get the work. Ug.
Hi, Yup, that would be Cheryl, co-owner, she and her husband Ian, who is an MD....sm
are originally from South Africa, have UK educations and degrees, have been in the US for 20 years now, the company has been up and running for almost that time, they have a lovely family here, and they are 100% American citizens, as our their children.  She is very busy as she is involved in so much of the running of the company, but a very honest, lovely lady to talk to, and Dr. Ian is kind an helpful and very encouraging, great bosses.
My husband is a carpenter and has his own tools. sm
There are a lot of professions, employees, who have to have their own tools including plumbers, mechanics, cement finishers and hairdressers. I am sure there are more, but those I can think of off the top of my head right now.
Happened to my husband who is in management
I haven't had to take a pay cut, but my husband did. At his company all management staff took a 15% pay cut. Mind you, it was management only, didn't affect rank and file employees. This is happening all over in this economy. The problem with cutting MT pay is that we make so little to begin with, the pain of a pay cut is much worse. I agree that pretty soon it won't be worth it to work in this field.
Yes, my husband is self-employed so we have individual plans but...
the preminums keep going up and up. I realize they also do when you work for a company, but since they get a group rate, the hit isnt as hard as when you are self-employed. Once you have a medical condition and your self-employed, the rates are horrible. I am going to check into some of our plans here locally just to see. My husband and kids are on their own individiual plans and they do have a copay but all we could afford was the cheapest plan which does not cover a lot and like I said every year we get hit with higher preminums just to end up with less coverage. It is very discouraging.
That is not just MT. My husband is a union bricklayer and if there is no work, they can take off wi
They will only lay them off if it will be more than a week. When I worked at a hospital doing MT, we had to use PTO when it was slow, usually in January!