Various high deductible plans when
Posted By: I was there sm on 2007-05-04
In Reply to: How is Transcend/MDI's medical insurance plan for employees? - LUVMTING
Back in 12/05, they had 3 high deductible plans, lowest deductible of which was $1500. Believe it was 1st of month after 90 days when it kicked in. Don't know if it's changed since then.
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high deductible for medical
the basic plan has a 3000 deductible and costs $20 per pay or you can get 'better' coverage with a 2500 deductible or 1500 deductible. naturally these cost more per pay period as well. Other than that all the other benefits are decent and the night shift people start earning PTO immediately and can use it after 90 days, as opposed to 1st and 2nd shift who have to wait a year.
It's a rumor. They have growth plans, not selling plans. nm
I think they want to be bigger than Spheris, not bought by Spheris, and if they continue to grow in the next few years as in the last few years, I think they can.
I'm high level 4, all acute care, high ESL, many years exp. and highest QA grades...
In case you are wondering...All acute care, all specialties. I request new accounts, and yet they all run out of work...not just during usual slow periods...
I'm original poster and a high level 4 as well with high ESL accts, which I've always had...sm
My accts (10+) for the previous 12 years were all in the LA area. I consider ESL at Webmedx easy, even though my WebmedX accts are supposed to be high ESL. ALL of my STMs accounts are low on work--quite low. I've added more accounts. Not helpful if all are low in work. My supervisor at MQ was more helpful than my Webmedx STM.
They are not MT, but general transcription. Pay not very high. at least not as high as MT work.x
x
What's the deductible?
what is the deductible?
Thanks! It wasn't deductible at all when I was an IC. sm
But I will never work as an IC again and I could not get an independent policy anyway, having had cancer and ongoing therapy. A lot of MTs are in this position with either age, a serious disease, such as hypertension, diabetes, etc. It just isn't that easy to get self-insured anymore. That's why I don't understand companies who don't offer benefits. The last figures I saw, benefits were worth about 1.5 cents a line. Something to figure in when considering great wages. Thanks for the information.
$1000 deductible
I'm single and I pay $75 per period for the $1000 deductible, $25 office visit. There is also a $2000 deductible option that a single person would pay $37.50 per pay period, $30 office visit.
2500 deductible
Does this still have the 2500 deductible? Doesnt pay copays to doctor visits either?
$80 for $500 deductible, cheaper w/
.
actually I need to clarify the deductible sm
thing. It is a 4000 for hubby and I. But, they give you a benny account that has $3000 in the account. You can use it for your deductibles which would leave you with $1000 out of pocket. You can also use it to pay for medications but medications do not come off your deductible so if you use it all for that, you could get in a mess if you have a hospitalization. You would have to pay 4000. If you don't use the money it carries from year to year. So its not as bad as it sounds.
As far as the lady who wanted what Canada has; I understand her frustration. But, you would be waiting forever just to have a simple x-ray or MRI and forget surgery. Canadian health care system is not all that great, that's why lots of those folks come here.
I can't say I know the answer, but that is not it. Its a sad thing in this country though the health care situation
$15 copay for PCP visits, $750 deductible. nm
Large deductible and everything out of pocket.
xx
I pay $140 a month total for $500 deductible-WMX
BC/BS with $1K deductible, dental is normal sm
coverage and as the person below pointed out, you are wrong on the PTO. Also, last year we were allowed to choose a plan with a lower deductible and pay for it and that choice was not given to us this year. Why don't you try telling the truth about Webmedx instead of prettying up everything?
I think you're confusing the deductible with the premium. sm
Family coverage is not $1000 a month in premiums.
Can you tell me if this is for good insurance, deductible, copay etc..??
I had a good rate before when I had insurance but the deductible was $5000 and no copay so it wasnt worth it.
you don't have to be IC to deduct that - just do an itemized 1040 and it is deductible even if yo
x
MTSOs with insurance deductible 1000 or less? nm
x
Excellent benefits at TT. I have PPO coverage with a fairly low deductible
and pay $42 per pay period. The coverage is with First Health and they do offer coverage in all states. Good prescription drug coverage also ($10 copay). Hope this helps.
AARP was $800 per month, single. $1000 deductible. SM
I know personal insurance is reasonable for people under 50, really I do, but I'm not under 50, I'll be 60 in June. I have checked all over and, even with spousal insurance, it is 800-850. There is an insurance crisis in this country of epic proprotions and I don't see it being solved anytime soon.
I'm willing to pay well for my insurance, even though I am healthy now, but not 800 and up and those didn't even cover a yearly PE. Even my crummy Spheris insurance pays for that.
they have different plans
.
I wonder what she plans on doing next?
Is MB still there?
They have several different plans to
choose from. I have one of the Aetna ones. My only surprise is that it didn't cover all my labs and I got a bill for about $50 for labs. I called to ask, and they said it appeared there was a deductible. I didn't see that in any of the pamphets. It could be just the plan I chose. Other than that it's been fine.
They have several plans.
I think they are quite affordable. There is quite a lot of reading to do though with all the different plans. Ideally you have a friend who knows about benefit stuff and can help you. My head was spinning, and usually I find it quite easy to wade through that stuff).
(I don't have to cover dependents either, so nobody ask me about that please).
Don't know about OSI but TT has about 9 or 10 plans
nm
is the deductible for insurance still 2500 bucks w/ no copay for doc visit?
That is the sole reason I quit. That and the fact they switched me from account to account as soon as I started making a decent line rate with one.
They also have the ability to slow down how fast you can download files. They slipped and told me that it was to help control traffic on the server.
I pay approximately $113 per pay period for single coverage, $1000 deductible.
Hope this helps.
Which companies do not do VR and have no plans of doing VR? nm
nm
Do you know if they have plans to eventually sm
start up SR on the DocQScribe accounts?
With Transtech insurance, do you have to meet deductible before office visits are covered? nm
nm
I thought the deductible was 500 vs 1000 (gold vs silver) but I guess I better go check! sm
As for policy levels, yes, you can get coverage as a single; as a couple; and self / family, with concurrent cost changes. Dental is great too.
Now, where did I put a copy of my BCBS plan... hmmm!
spheris growth plans
Spheris just announced they are gearing up their Indian operation and hope to downsize their domestic force by 50% by summer. They justify this by saying it is necessary to position themselves as a leader in the global market. Layoffs should be starting by the beginning of June.
and you must be 13 and the reason why she changed her plans
x
My mgr sure does not say that!! Webmdx is not offshore, nor do they have plans, sm
to go offshore- one of their big selling points to MTs is that they are 100% domestic!
I thought they were looking for less expensive plans
xx
Webmedx - you can choose between 2 plans - sm
500 vs 1000 deductible.
It doesn't look like she plans on paying...sm
I am not one to recommend on how to get your pay. You may have to go through small claims court. I really don't know. It just sounds to me like she has been paid already and is giving you the run around. I'm sorry you are having to deal with that, and good luck.
Thank you! You summed up my thoughts and plans exactly..
Thank you! You pretty much said it all.
I expect that 2009 will be the last year that I will work full-time as an MT.
The owners at Keystrokes have other plans. They want to be sm
as big as Spheris or Transcend but still stay the way they are. I talked to the owner last week and to another manager about something unrelated and the subject turned to MDI-MD. The owner said that at this rate, they'll grow just from the MT's and customers who don't want to be part of the offshore trend. They won't go overseas and have no plans to sell for at least several years. They just bought a platform, are adding offices to the office building and plan on staying. She did say that she thinks that a lot of the smaller companies won't survive the changes in healthcare so they need to grow to stay in business.
Talk to her. You'll be surprised how easy she is to reach and talk to. I was. I was nervous when I called to talk to my manager and the owner answered the phone. She ended up helping me and chatting for a while. I was impressed, which is a first for me.
And they hired 300 Indian workers with plans for
Spheris Inc. of Franklin, Tennessee, has hired 300 people for its new center in Coimbatore, in India's southern Tamil Nadu state, and plans to add another 700 workers in the next year, company president and chief executive Steven Simpson told reporters.
honey, all incentive plans look good until
they find some reason not to come through with the pay out! Good luck!
I cannot get flat rate plans in my area...SM
I presently use One Suite but am reimbursed. I used to use Vonage but it does not work well with the account I am presently on.
Here's a link with Spheris growth plans
http://forum.mtstars.com/medical_transcription/v/8/45.html
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.
TransTech has NINE health insurance plans
.
Look into insuring yourself. Many health plans can be bought
by the individual. I used HumanaOne instead of Cobra for my family (me and 2 kids). It was $193 a month. Only stipulation was that you only were allowed 6 office visits per person per year that they would cover.
Webmedx: Which health care plans?
Hi. Can someone tell me which health care providers are offered to employees? Thanks in advance.
They are just getting ready to change plans and the rates are much lower than that.
I would do my homework first before making those statements. That may have been what it was in the past, but not now. Much less.
That is they have LOTS of different insurance plans. typo on last post. sorry. nm
x
Give TT some time to see if they can find cheaper plans
I also am greatly upset by the insurance hike, but I have decided to give them some time to see if they can come up with something more affordable. Like many of you, I have to insure my whole family, so this increase is astronomical.
The grass is not always greener. Changing jobs means switching out problems, and yes, some problems are easier to deal with than others. My last job (Amphion), I was so stressed out, I lost a lot of quality of life. I have young children. I can't afford to be a stressed out freak just like I can't afford the expensive health insurance. When I moved to TT, I regained my quality of life. I'm not so tired anymore, and I'm able to be a better mom. That means the world to me. I'll hang in patiently to see if another option can be found for the health insurance.
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