Chamber of Commerce or your own state might offer coverage for IC/SE

If you are an IC and work from home, join your local Chamber of Commerce and sign up for one of the plans they offer.

The premiums are not cheap, but at least you have a chance for health insurance. 
 

If you are under a certain yearly income, many states offer plans. I live in NY.  Besides coverage through my local Chamber of Commerce (I had to drop the plan as it was too expensive), I was covered under Healthy New York (something like $150 per month), then went to  Family Health Plus, but am now on Social Security Disability and am covered under Medicare (NOT cheap, either!) 

 

Don't give up. Go to your state's web site. Somewhere there you should be able to find a "health" link. Or, try your state's department of health site and see what they have to offer. Many states offer insurance for the self employed, unfortunately you have to search for the link!

• Giving up Health Insurance - Kristy
  • Please don't be harsh on me, but if you are so SM - GM
    • I do, but - Kristy
    • I think she is working for a company that provides insurance. - Mrs Chippy
      • I'm sorry. I have just me to insure. I know things are hard. - Didn't mean to offend.
  • A terrible, terrible gamble - PsychicMT
  • Chamber of Commerce or your own state might offer coverage for IC/SE - sansie
  • Here is a link to info on medical insurance I found interesting (sm) - tough issue
    • Are you in Atlanta where Clark is - June
      • No, I listen to his radio show when I can find it LOL nm - tough issue
      • Sorry should have said he was on radio - June
  • I asked about this too, you can get medicaid if you get hospitalized and spend a certain amount. - Mary S
  • I have private insurance (sm) - Anon
  • I havent had insurance in many, many years, I pay cash and like SM - MT50
    • What happens if you have to be hospitalized? - Kinnie
      • I think about that, I had hospitalization from State Farm, but it became too expensive for me, SM - MT50
        • In time past my child was diagnosed - Kinnie
          • I'm sorry to hear about that. What happened to your child? My DD has PCOS, but that is hardly ca - MT50
            • In the years since then my child has - Kinnie
              • God bless you and your family. nm - MT50
  • Some info - from a fellow uninsured MT
  • Me too - wsd
  • insurance - Marilyn
  • What about just a catastrophic policy in case something major happens? - academia

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I have offered just coverage for vacations, etc. and have networked that way, but I know that is tough when you are full-time from home and not in a medical type setting.  I think it is a shame that more do not frequent the State Boards here.  I like hearing everyone's opinions, but if the State Boards were frequented more, I think we could all really network a little more.  I'll scratch your back, you scratch mine type of thing.  Most people do not like to do that because they are afraid you will take their account, but I believe in being trusting, and that is bad karma!  JMO.

I think it's great to see a thread discussing this subject. 

However, when it comes to "prejudice," it has always been with us, since the beginning of time.  It is a human problem, not a white American problem, as so many people seem to be saying.  Some of the most prejudiced people I have encountered in my few decades of life have been non-whites.  When I lived in Latin America, I learned that brown-skinned people discriminate each other based on how light their skin tone is - the lighter the skin, hair color and eye color, the more prestige they had.  Some of our U.S. African-American soldiers were called derogatory names by the Somalians when we were over there - a real eye opener for them.  They thought they were "going home" and then were assailed with hatred and expletives because of their dark skin.

We all need to guard against letting our attitudes harden our hearts towards other people.  It is a life-long process.  I recently realized that my financial concerns because of income loss from this job of MT - with losing jobs to overseas, the foreign-born dictators making it so hard to earn a decent line count - were hardening my heart towards immigrants.  I am in the process of reassessing my attitude and thoughts about that.  I don't want to turn into an angry, hateful, bitter old bigot. 

That is the one problem with own accounts.  After three days to Tahoe-Reno I came back to 14 tapes as no one wanted anyone else.  But am thinking of taking nearly a week off later this year and so I would like some coverage.  I used to work for a small local MTSO here as an IC and still keep in touch and I might see if there is someone there that wants to do an extra tape or two during the week I am gone.  Also see if there is a chapter of local AAMT in your area -- and I am not sure if it is the national AAMT but here in Portland there is a group of MT's and I got a list of names from them who will do back up and overflow.  I haven't joined but have talked to a few people there and we do some networking.  I have been doing this for so long in the Portland area that I continuously run into people that did either the OHSU account I did or worked for one of the offices previously, etc.  It is a small world.  That is also how I get my people contact.  Also run an ad in the paper well ahead of when you are going to leave.  But there is always the fear that they could "take away" your account but since most of the gals that have helped me out I used to work with -- I don't worry about that.  And you know how it is the first few days on the account -- you don't do that well so they are either ready to kill my docs since I am so used to them or the office says -- "don't ever leave again" because that person does things different that we all appreciate each other immensely when I get back.  But there are ways, just gotta put a little effort into it.  They don't need to do it all but I came back to 14 tapes and if I could have had half done, it would have been nice.  Good luck. 

The payment's not that big on it, except when there's a mixup at the bank and they deduct one check twice with the same amount and same check number.  It just feels like the money mojo magnet is gone from my life this week!  LOL  Everything seems to go wrong all at once. 

I have five accounts and two I have IC's who work for them -- psych accounts no problem when I leave town.  But my other three, have asked that I have NO ONE work on the account but me and they hold the tapes and I do them when I come back as fast as I can and sometimes wishing I had not taken time off.   No they work with me but then I don't take off much time and when I do it is usually a couple of days and the weekend so we are all not stressed.   If I were to have surgery or something I have friends that would help out and the accounts realize that it would be necessary.  That is one of the drawbacks of having your own accounts.  No work --no money.   But it does make you appreciate your time off.

S/B able to get something reasonable.  If you're looking for family coverage it is doubtful you would find anything under $350.00/mo.  You might want to look into medical savings accounts.  You have to qualify for these and I'm not sure what the criteria is, but Google it.   If you are a non-smoker and have no pre-existing medical issues, aren't grossly overweight, and not planning a baby anytime soon, you might want to look at getting mainly a major medical plan that would cover you in event of hospitalization or something catastrophic, and just pay routine care out of pocket.

We currently have insurance through DH job, but when I was looking for independent coverage Celtic had the cheapest and then Medcost was the next cheapest.  I called several agencies and they all quoted me on Medcost, but the premiums varied as much as $200.00/mo.   BCBS has something caled Blue Advantage that you might want to look at.  I hate BCBS because they are such a pain to deal with and deny a large percentage of claims, but it might be an option. 

I just started a new MT job and will get health insurance when my benefits quick in.  I want to put my husband on my insurance.  My question is- he has spina bifida and I am concerned that the insurance company will deny him coverage.  Can they do that?

Thanks

Tell what the first letter of the company is and every company with that initial will be suspect.  I would imagine that everyone who works for that company has received an inquiry from department of labor, so they would all be aware of it. 

Why do we persist in setting up companies to be torn down when there is no reason for it.  If a company is suspect, then give the name of the company, don't give big hints that cover at least 5 companies, 4 of which may be the best companies to work for, but fall into the category of an alphabetical letter, etc. 

I did not say I looked like a teeny bopper or hooker.  I said I traded my stretch shorts and t-shirts for denim shorts and a tank top.  Yeah, the shorts are somewhat low rider because they don't come up to my bra like the stretchy shorts do, but they've got a full rise that covers the crack and belly button.

Oh, no!  I must be a wanna-be trampy teenager!  Maybe next I'll go out and get some red satin thongs, a belly button ring and a butt tattoo because y'all are jumping on me like that's what I'm trying to do.  If you can't understand the concept of "full coverage", stay out of the conversation.

a map on their website showing coverage area.  I haven't used a broadband card yet.   I know someone who used a Verizon air card and they said they were able to get service everywhere they went.  They were on the west coast, where it seems more reasonable that there would be a wider range of service.   You can check Verizon's website for coverage area too.  Another option may be for you to get dial-up at your mother's house.   You can get People PC for $10.95/month, but I don't know if they require a contract.   If none of the big ISPs have a local number you can get service through a small local provider and they usually do not require a contract.  I have traveled extensively and have spent several weeks in some places where dial-up was the only available option at the time and even though I had an ISP they did not have local service.  

Another option is to try the free trials with various ISPs if they have service in your mom's area.   There is no charge is you cancel before trial period is up. 

http://www.washingtonpost.com/wp-dyn/content/article/2006/05/15/AR2006051501201.html

http://www.votefraud.org/vote_fraud_articles_by_state.htm#VO

http://www.votefraud.org/

Some people just CHOOSE to live in DE NILE (DENIAL) and we all see you are ONE OF THOSE.

Some of us CHOOSE to go through life as a REALISTS! 

I have a 13 yo boy.  He sounds much like your daughter, wonderful kid, straight A's very much likes to hang with the family, etc.  Never had a problem with him.  However, he knows that I mean business.  If a child is going to sneak and do stuff that he/she knows parents won't like I say give them a consequence to remember.  Maybe you either have to take a few days off work and go to school with your daughter, explaining to her that since she cannot be trusted you need to attend class with her to be sure everything is going okay or take everything away from her and let her know that since she is not being responsible enough to come to you and she feels the need to sneak things past you, you have felt the need to remove material possessions from her life until she can become responsible enough to handle it.  She is giving in to peer pressure which of course we know will only get worse.  Emphasize to her that she is number one to you, you love her too much to allow anybody to influence her the wrong way or to let her waste one day of her life doing things that will not benefit her.  She is God's gift to the earth and she should treat herself as such and expect others to treat her the same.  If her friends do not respect that her parents will not allow her to do certain things, than those friends need to go bye bye.  I know this sounds tough but guess what, you are not raising an 11 yo you are raising a strong, wonderful, beautiful, smart, wise woman, she is only 11 for 365 days.

Lastly I want to applaude you for even caring. When my son was in sixth grade a mother of a girl he goes to school with showed up at the awards assembly and was taking pictures of my son.  I sat down beside her and when I cheered for my son as he got an award she said "oh is that your son" to which I replied "yes it is" and she said "oh my daughter is so in love with him, that is why I am taking so many pictures"  I just wanted to punch her, what is she teaching her daughter by doing that?  I explained to her that my son was 11 and had no time for girls, he was heavily involved in basketball and church and would not be allowed to spend time with girls for quite a few years.  She was appalled at what I said.  I walked away, hoping she would think about it before her daughter met up with a boy whose parents don't expect the standards to be quite so high. 

combat pay or double or even triple time to come in whenever needed.