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affordable insurance

Posted By: Erin Guthmiller on 2007-10-15
In Reply to:

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?




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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.
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.
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!
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?
nm
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!


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
Define affordable? What may be affordable to one person may not be to another. nm
x
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
nm
Affordable benefits
Are the benefits affordable?
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
nm
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.
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).


 


Thanks!


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.
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).
I believe they have several to choose from - affordable and decent coverage, IMO
nm
I have single coverage - affordable - but don't know about family. Call them.
nm
401k funds are protected by govt insurance similar to the insurance
that banks have (FDIC). It is safe even if the company goes under.
The insurance cost is double for Transcend but insurance probably doesn't factor in for her.
I have heard more good things about Axolotl than Transcend, although it seems Axolotl may be less flexible with your schedule and someone told me that QA was pretty strict, which should not matter either if you have worked for a hospital and know what your QA score is.
The insurance plan in my opinion is excellent insurance. I am not sure if it will change when it'
time to renew or not. I really hope not but I know that a lot of companies change every year in an effort to keep costs down because most insurance companies start raising rates after you have been with them a year. The insurance is Great West and they also have excellent dental and vision plans. I believe the cost is less than $70 a pay period for the employee.
Insurance sucks compared to my old insurance... sm
The insurance seems like they don't want to cover anything, even simple prescriptions I used to pay 4 or 10 dollars on I now pay 20 to 43 dollars.  I like the company/people so far, just don't like the insurance.
Insurance Questions: Can you tell me what you pay for insurance through your

MTSO, which MTSO it is and whether the coverage is decent?  I currently pay $92.00 a pay period for decent coverage but am trying to figure out if I am getting a good deal or if I could do better elsewhere.


TIA.


insurance sm
You may be better off going directly to the source, so to speak. I do not have the insurance, but I have seen the rates, and they are reasonable, even affordable! I believe it's through either Blue Cross or UHC, or it may be both, you get to choose.  Anyways, I do get the eye insurance for my family, which is at no cost to me.  As I said before, your best source is to ask MQ itself.  Good luck, and don't count MQ out just because of all of the negative posts on this board! I'm very happy w/them, and have been for over four years now!
MQ insurance

I don't know if it's still the same, but when I worked for MQ, I cancelled my insurance and went to IC status when the family coverage went up to $900/month.  I asked them how could that be with the largest transcription company in the world, and they claimed it was based on the area I lived in.


 


Insurance
They don't let you go, they make you a statutory employee. If they let you go, then they would put themselves in a situation to where they may have to pay unemployment. If they move you to statutory and take all your benefits, then they don't have to pay your insurance or PTO days. Working off the clock is just free labor for them. So basically, it is going to benefit them either way.
insurance

I carry myself and my husband and it costs me between $30 and $40 monthly.  This is for an HMO.  I think they told me  the PPO was between $80 and 120 monthly, but the HMO had more providers in my area so I went with it.    There were several choices between HMO and PPO.  Like I said before, this will vary depending on which hospital.  I work for a hospital in PA. I'm not sure about details for the Florida hospitals.  


For the insurance directly through Diskriter (if you work for them directly),   I think they quoted me around $300 a month for two people.    


PT Insurance
There is a company in WI who offers insurance at 30 or 32 hours a week. For the life of me I can't remember the name but out of Waukesha, WI. Hopefully someone can jump in and give you the name.
PT Insurance
I keep wondering why more companies don't offer an option like the hospitals where you pay a little more as PT, but can at least obtain insurance as part of their group. Or for that matter, why AAMT cannot offer a group option for insurance for all the ICs, etc.
insurance
You get to choose full time with benefits, full time with limited benefits, or part time.


Now, tell me about the insurance. I may sm
still look into this.Thanks!
insurance
Check with IRBA on the internet. It is a group for small business owners and then you get a group rate. You join IRBA and then there are different insurance companies.

insurance

I checked into the self employed insurance (Mega Life) and the deductibles are high -- which I could tolerate -- but if you go into the hospital the deductible must be met for each occurence.   So if you have two surgeries -- I broke my leg and had surgery for placement of a rod and plate, etc.   Ten months later it comes out -- deductible for each has to be met.   I have worked insurance also and their plan is hard to understand what each covers.  You pay for your basic and add on -- chemotherapy, outpatient labs, etc.   I went with a high deductible but where I put money in a tax free account to pay the deductible should I need it.  I am self employed so it works for me.  Most of the docs I type for give me free office visits and labs done in their office as well as prescrition samples.   But then have only been to the doctor three times in the past 3 years.     But do a search for medical insurance and you will get a lot of info.   But with the difference of over $200 for a $2000 deductible, I saved that in a year and like I said it is pre tax account.


Patti


insurance
Poster below gave you good info - WMX probably has best, most affordable ins. of all MTSOs.
I know several IC's, over 50, with no insurance. SM
They rave to me about all the money they make, however, they cannot afford to see a doctor and rarely do, one goes to hospital when they run those studies.

Yeah, they make more than I do, but you cannot enjoy the money if your are dead.

Sorry, like I said, this rant is directed at older (over 40) IC's.
Insurance sm
I am over 50 and have insurance through AARP - 118.50 per month. I also have an arrangement with my personal physician to pay cash at a much lower price than he would normally charge for someone with insurance. Also, because I am IC, I have multiple tax deductions that lowers my income so that I can qualify for cheap drugs, free mammograms, etc. I also have additional accident coverage in case I am in an accident or fall or something that would be more than my AARP insurance coverage. This has worked well for me for about 13 years. Most disease can be prevented and if you take care of yourself, you are unlikely to have an emergency.
insurance
Why can't people just pay for their own insurance? IF you make good money it is affordable.

insurance
After changing jobs and realizing I couldnt'afford the new company's insurance, my husband and I attempted to buy our own insurance. Guess what, no reputable health insurance company in our state would even accept us at any price because of our physical condition. They only want you if you're young and/or healthy. So buying your own insurance is not always an option. I would advise anyone to go ahead and buy their own insurance before they get too old or in too bad of health and not count on any company's insurance, because if you lose it, you won't have any. At least that's been my experience.
insurance
please tell us what website to go to.
Insurance
If you find someone that gives good insurance coverage the pay usually goes down.  We need to something about these insurance rates as no one is getting rich but the insurance companies.  
It's not so much about the insurance -
I believe that by law (?) new insurance cannot turn preexisting claims if you have proof of creditable coverage from your prior carrier without a lapse of more than 63(?) days. If you were not so previously covered, I think some companies do make you wait a certain amount of time before they cover you for preexisting.

MW has excellent insurance through United. I suggest you either give your recruiter a call and ask (they usually don't mind giving you specifics as this is as much compensation as money is) and/or look up United Health care on line to see if there are any leads. Good luck to you.