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I have the individual coverage

Posted By: Cyndi on 2006-02-01
In Reply to: Anyone from Medware out there who can tell me what they pay for insurance? - Seeking information

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.


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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.
Are you looking for individual or family coverage?
X
I've had private individual policies and you pay a fortunate for bad coverage.
You either get stuck with an awful deductible or a policy which limits coverage. So, that is not always a good option. If you want a decent cheap premium, you get what you pay for.
he's not looking for individual MTs
He's looking for a group that collectively can handle 5000/day.
It's not so much the school, it's the individual.
x
CUT-THROAT INDIVIDUAL
I know who you are too, and what goes around comes around!
What a pathetic individual

I know what you're alluding to, even though you are too much of a coward to say it outright.  If you can't say anything nice, or heaven forbid be supportive of this individual, then just keep it to yourself.


 


I, too, work for OSi and have for a few years.  It's bad enough that you come on here and trash the company, now you're making personal attacks?!  Go crawl back into your hole! 


Oh yes they can! It depends on the individual sm
QA person, of course. There certainly are some with very strange ideas on the interpretation of transcribed work (they don't take time to read the entire report to get the proper context) and some with vendettas. There are rotten apples everywhere.
How can you know for a fact how much another individual is capable of doing? sm

I have tried to ignore your constant negativity, and I do feel sorry for you because you must have an unhappy life to want to always rain on everyone else, but enough is enough.


I average 300-350 lines an hour, at 11 cpl that equals over $33/hour.   I have been an MT for over 30 years now, and have been blessed with a natural ability for speed and spelling, and, although there are new things to learn every day, I do not have to spend the majority of my work day looking up things. 


I am not trying to be adversarial, and it makes no difference to me what you believe.  I cannot believe I even got sucked this far into defending myself against some stranger.   I wish you well, and hope you have a job that you enjoy as much as I do mine.


 


Merry Christmas :)


I have BCBS individual policies for myself and
my last home-living son. When all my children were still at home, they had individual policies that they could take with them.

It was cheaper for me to do buy each of us an individual policy and know that I can keep us insured 100% of the time regardless of whether I changed jobs or not.

The plan I chose for ours has a $5000 major medical deductible but we have not ever had to use hospitalization and I can pay out $5000 one way or another. Office visits are covered 100%. That was my main concern as I wanted the routine items covered. I can handle facing the other big ticket items. I also wanted the lowest premium possible. It was a great bargain for us.

Reports for any individual company. nm

Is that individual or family and what is the company?
nm
This is why I prefer group over individual..

The bottom line is that.. When you have group insurance, you have a set rate, along with everyone else, regardless of your health insurance..and when it renews each year, it will only go up based on the group's rate, nothing to do with your personal health history and it is generally better benefits overall. Now, you have a private policy, can only afford one with a huge deductible (major medical)..well, during the year, you had an emergency surgery, heart attack..whatever.. Well, first off you have that preminum which is high, then you have all of that deductible to meet, upwards of $5000..THEN, your shocked at renewal time that they jacked up your preminum about $200 a month..and then your stuck..You can pay that outrageous amount or go without insurance because another private insurance wont touch you will all of your medical claims in the past 10 years. If they do touch you, it won't be cheap. So, your bad to square one.. crappy insurance at a bad price or signing up with a company for okay rates but better insurance.


I thought I was smart not keeping my group insurance through work because it was $400 a month (deductible $1000 etc..) so I went and got myself a family plan through private insurance for ONLY $196 a month.. Yes, then I had a $5000 deductible and come to find out my prescription benefits were only 50% instead of the $10-40 I had been paying. One of my son's prescription cost us $100 a month with that great insurance, and it would have only been $25 on my old group policy. Yes, I was saving a lot of money..NOT. I did check into my private insurance to get a policy similar to my group one.. and imagine that.. they wanted over $1000 a month for decent insurance. So, no thanks. I'll stay with group..It's worth it in the long run.


A flyer for individual docs:
*If you're like most doctors, you never read dictated medical reports, anyway! Yours, or anyone else's! So why pay through the nose for something you'll never look at?*

*At AchooQuist, we understand the needs of busy docs like you.... men and women who laugh in the face of malpractice suits. That is why we've tailored our MT services to suit your busy, careless, greedy lifestyle.*

*When you joint the AchooQuist team, you'll pay what YOU want. (next-to-nothing). And you'll get exactly what you pay for.*

*We GUARANTEE it.*
Maybe you could solicit work from individual
and give them a good rate for paying CASH. Then no one could prove who you were working for.
No, Diskriter is owned by an individual - they have never been linked to MQ - never will -
never ever ever ever never - if they ever did join with MQ, I would quit in a heartbeat and never go back to the field of transcription.
Their individual insurance is $52 a mo and their dental and vision
run it up to about $60 a month. If you leave, you also get to Cobra the dental and vision together at $30 a month. I know because I left and went back. Nice folks.
Can anybody recommend where to get individual insurance affordably sm
for self-employed MTs that doesn't exclude pre-existing conditions?  My husband just lost his job and we haven't received the COBRA papers yet and it has been over a month.  I have health problems and really cannot afford to be without insurance so I thought I would ask if anybody here knows of good reasonable insurance for the self-employed but more importantly one that actually will cover something!  Thanks so much!
What a charming individual you are -- thanks, and Merry Christmas to you. :-) nm
x
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.
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).
Pros and cons dependent on individual (sm)
In my own case, I was never a power producer MT. There were several reasons, but suffice it to say that though I always made quota, I never really soared past it. My transcripts were always nearly perfect, though, and that got attention and I got asked to do QA.

I am a better QA person than I am an MT, both because I have a knack for hearing things other people can't, and for finding the answers in books or on the Internet. And it allows me to do my typing in shorter bursts, which works better in conjunction with my health issues and honestly, my attention span. (I joke that I'm both OCD and ADD, and my QA job is easier on both of those than straight transcription.)

I have a friend who's just the opposite. She's a fantastic MT but hates doing QA. She hated dealing with others' mistakes and was uncertain of herself when having to make a judgment call about something. She also can transcribe fast enough that she makes more money on the hour transcribing.

So, overall, yeah, I personally think it's more a preference. Different strokes...
That is individual and the company is paying a big portion. sm
That is the employee portion. They were having problems getting enough people interested last year but I guess they have enough now!
To answer your other question, they may hire MTs for individual departments
like Renal Transplant, Orthopedic department, etc. They do not have hire for their MR or radiology department as those departments are outsourced.

You could probably get in a specialty practice.

I know Rothmann Institute hires on-site MTs for their Hand Center - Orthopedic surgeons. They have an office in Center City, a satellite office in King of Prussia, and another one in Cherry Hill, NJ.

Hope this helps you!
agree,the pay is going to vary based on individual experience
nm
ExText line count for individual reports? Is there a way? nm
 x
You know, its just so much dependent on the individual posters. That's what ruins the thread whet
good or bad about a company, and wish as we might, we just cannot make some MTs have any class, or behave like an adult.  I don't think people would bash the positive posters. In fact, normally they don't, but its how the positive posters post! Most times, they just come in bashing and defending their company, and that never works! In fact, if they just realized how bad they are behaving, while they are so outraged and trying to protect their company, they actually make the company look worse - know what I mean? We all shudder and think, Uggghhh, glad I don't work with her.  Or whatever! Or if they just post totally out of the blue, like "Gee, ya know, Joe Blow Transcription is just the BEST - a dream job, and I am just sooooooooooooo happy here. (and then you can bet your next paycheck that there just happens to be an ad for help at JBT on the job board, posted 60 seconds before the "cheerleader" post. Those happy posts are just insulting! And same for the negative posters.  We all love the infamous "Joe Blow Transcription Sux", and they don't even have the brains to put "nm", so we all waste our time and follow the thread to see WHY JBT sux, and there is no message! These are the obvious disgruntled MTs who got the axe, and for probable good cause! But when people are upset enough to come on the board and post their grievances:  a. we SHOULD lend them a sympathetic ear, even if we work for the same company (perhaps more if we work with them - they are a coworker on the same team after all), or b. we should at least let them voice their probable valid grievances. We could all benefit from their grievances, as these companies really do have a history, or pattern, of behavior.  And when there are runs of these battles over a company, as upsetting as it may be for some of you to read or see, it is a very big RED FLAG and indicator that something is wrong in these companies - maybe it gets fixed, maybe it doesn't, but SOMETHING is wrong, and I sure like to know before wasting my time!  Been there, done that, and have even not listened to some valid grievances about companies, applied, been hired, and crushed to find all the complaints were 100% true and still not fixed! So, negative as the posts seem, sadly they are indicative of the condition of our industry! Let these companies know we are communicating about them - it turns up the heat for them to FIX themselves!
Haven't noticed - do you keep track of individual report counts?
nm
For decent private individual policies, it is very expensive for a family.
Unless, you have a $5000-7500 deductible and a 50% copay on prescriptions which is bad for us because my son takes medication that costs $160 a month.  If we went with a policy equal to what my job provides, the premium is over $1000 a month. With my job, I am paying about $400 a month for family coverage.
ooops. I mean that individual plans suck..not stick as I stated in previous post...NM

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 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.
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