Home     Contact Us    
Main Board Job Seeker's Board Job Wanted Board Resume Bank Company Board Word Help Medquist New MTs Classifieds Offshore Concerns VR/Speech Recognition Tech Help Coding/Medical Billing
Gab Board Politics Comedy Stop Health Issues

Serving Over 20,000 US Medical Transcriptionists

I thought insurance didn't pay for you to give

Posted By: Lily on 2006-06-13
In Reply to: Could your hubs become a patient of a home health care agency and then you could work for them - giving his care? Friend did this. nm

care to family members. That's what all my insurance policies said.

Complete Discussion Below: marks the location of current message within thread

The messages you are viewing are archived/old.
To view latest messages and participate in discussions, select the boards given in left menu

Other related messages found in our database

Could anyone give me an insurance or maybe licensing website that shows where hyperbaric
oxygen therapy is located?  Need one close to where I am considering moving to.  Thank You.
My homeowner's insurance offered it to me even though I said I didn't need it. Have you chec
My husband just signed up for group life insurance with work which will give him 10x his salary if

he dies which will leave the kids and I with almost a million bucks if he dies.  Of course I would much rather have him here more than anything.  He had just 150,000 in insurance but for some reason just opted for this group thingie.  When talking last night I asked him if he died if I could marry again and this man got so upset with me I thought he was going to cry!  He told me absolutely, positively NOT that I could not remarry ( am 31!).  He is 35.  LOL

Poor guy.  Leaving me all this money and I supose the thought of me sharing his wealth with someone else makes him sick!!

I told him he could go ahead and marry if I should happen to die.  I want my kiddies to have a great mom and person who loves them very much. Wouldn't you agree?

How do you feel about your spouse or partner remarrying if you or he dies??


It's hypocritical to not give your workers health insurance but sell it to the public to line
You should give some thought to
how often your internet has been out over the past year. If you go with voip, you have no phone service if you have no internet service.
I didn't see it. I won't give in to the fact that

I HATE the preliminaries.  You get ALL the freaks out there and give them television time for no good reason other than for everyone to make fun of them.  I usually really get into AI when they quit doing the prelims, but that's just me.  I feel like the other is just a waste of my time.

On the other hand, I've recently become a Biggest Loser fan.  I love to see the total transformation of people who find the way to lose all that weight and make it a goal of sticking to it (at least for a time).  That's truly amazing to me!

If you didn't say "puter" I would maybe give you some help.
Me too. Always thought I didn't want to go
anywhere else, but this sure isn't the place I want to spend my retirement.  I'd rather live in GSO though than HP or WS.   We've got the sorriest elected officials, horrible schools, and corruption every which way you turn. 
wow, i didn't know that. I thought
I appreciate the thought, but actually you didn't
You just became patronizing.

Let's review the original post. My question is: How is MT Reference different from MT Stars?

1. If there's a privacy statement, I can't find one at MT Stars. I'll stand corrected if someone provides a link. I can't find a TOS, either.

2. MT Stars is also registered through a proxy service.

3. MT Reference only requires e-mail address to register, and no registration is required to use the links. MT Stars requires e-mail address to post, but nothing is required to read.

Where's the beef?
When you kids want money, don't give it to them and say, 'I thought you said
I thought about learning it as well, but I didn't.

You can actually reset your computer from qwerty to dvorak, then just change out the key locations on the keyboard instead of buying a new keyboard.  I just really don't feel like relearning anything right now.  The fastest typist in the world uses the dvorak keyboard, according to the Guinness Book of World Records. 

I thought they didn't pay for spaces.
I didn't get that impression; just thought you were
trying to be helpful on your own free time which is a very thoughtful gesture. :)
lol--no. I didn't get it either. Thought my brain was fried..
Thanks for admitting it....now I don't feel so dumb:-)
I bet other insurance carriers have insurance for their employees. Why not Wal-Mart? nm
The girl was 13, the rapist a distant relative they took in. Give money, give food and your time, b
you don't put your family at risk by taking in strangers. That's just plain foolish. There were over 3300 registered sex offenders in NO. Where are they now. In your community? Perhaps in your house? Good luck.
oh our lovely government does give illegals medicaid, foodstamps, and housing so in term we give tha
i have been through some rough times lately and had to apply for some help. there are signs, big signs, all over our offices saying "YOU DON'T HAVE TO BE LEGAL TO GET HELP". so we and our government do give them our benefits whether they are legal here or not. now that is messed up. i am helping to support them so they can take away my jobs and i can't even support my kids and yes i get benefits, wow $75 a month in food stamps which lasts not even a week in a household of 6. don't get me wrong, i am thankful for any help at the moment, but i get penalized for trying to work my tail off and still can't survive.

there was recently an article in our local newspaper where one of our local school districts tried to charge $1000 a year for each illegal student enrolled. it was bulked and the illegals got a lawyer to sue for discrimination. the school district merely stated that they had to HIRE extra teachers that could speak the foreign language just to teach these children and were trying to offset some of the expenses. ridicilous!! so again our taxpayers money is paying to educate illegals as well.
Aw come one give her a break. She said she was sorry and is willing to refund. Give her a chance to

do what is right.  If she fails to do what is right, then go about this in an adult way and not act like such a child.  "you suck"  That is so immature.

She is responding to you and you are eating her alive.  Why would she put herself out there to be treated like this if she didnt mean it. 

I am really astonished at how people can act on here.  Would you treat people like this in person?  If you do, I cant imagine you having very many friends. 

Remember we are all "HUMAN." 


Well of course we know that now. Back then we didn't because he didn't allow unfettered access.
right we children didn't tattle to the administrator did we. BTW, didn't you think we were &#
because some half-witted idiot said everyone was jealous because some other anonymous poster said they were going to be a doctor. Didn't they call it doctor envy. Oh yeah, that was all about you wasn't it busy-body MT. You with your degree and premed but yet you still post here and acuse others of jealously. I dunno but you and dano seem so close, I can't put my finger on it but I would say you could be computer clones. Jealous indeed. Children indeed. I think you are blowing your covers) dano and busy body MT. This whole "jealously" thing makes me think that you may be one and the same poster.
I didn't go into labor until 2.5 weeks later, so it didn't work. Sorry!...nm
sorry I didn't have time to thank you, but I didn't forget!!

Didn't you tell me?!?!? No, Liza, you didn't tell me. Hooray for you! lol
A simple google search will give you your answer...I'd give you the answer,
but how would that help you learn to research on your own...and I'm in a rush to get to the next post. 
Tell him you'll give him your macros if he'll give you his Lexus, his ski cabin, and (nm)

If you don't have insurance (dental, vision, prescription, chiropractic, and some locations medical) and don't have a lot to spend on insurance, ask me what I signed up for if interested.

There's a lot of information to tell and I don't want to ramble on if no one's interested.

Talk to ya later,

Andrea - Medical Transcripionist (Nashville, TN)

How can MQ take away the insurance

when the MT is paying for it also?  Does that not count for anything?

I didn't mean they were taking it away. What I meant is taking it over not making quota. Sorry.
wish I could help on that one - I have no insurance, however, -
I work for one of the TOP docs in NYC who is internationally known, so whenever I am sick, he has taken care of me, called in favors from other specialists, etc. The only bill I have to pay is the lab bill. If you work for yourself, that might be a route to go. I even got my bill at NYU Medical Center 75% off!!!

At one time Aetna was pretty good as far as rates for individuals.

Pet insurance....sm
No flames please, but how do you go about getting pet insurance? When you say "pretty inexpensive", what range are you talking about? Please, any info greatly appreciated. TIA
UPS insurance
I have sent packages via UPS that I have packaged myself and was still covered under their automatic $100 worth of insurance.  I wonder if someone at the UPS store is giving you incorrect information?  I had an ebay package damaged and they paid for the item even though I packaged it myself.  Can you call the main UPS number and ask someone else?
I am just curious about liability insurance for people that have IC status.  Is it required and if so where can I find out some info on this?  TIA
IC insurance
I have researched this myself and found that going through your local Chamber of Commerce is probably the most affordable way to go.  If you become a member you are then eligible to get a good rate in health insurance and they offer many different options including HSA (health savings accounts). Check out different Chambers near you though because the membership fee can vary.
I have a liability policy for which I pay $164 annually.  This does not cover errors and omissions.  For this type of insurance the cost would be sky high, or so I've been told.
I agree.  I've had mine for 9 years as it was required and I've never used it.  The only use it is, is for a write-off as a business expense for me.
there are several companies who now offer individual plans, depending on where you are, I had BC/BS - paid higher premium because I wanted good coverage, but can usually find something for around 100.00 a month if you don't have medical problems, copay for prescriptions may be 30-35.00.
insurance q
If you're someone with few health risks (non-smoking, etc.) and no major illnesses, you can probably get a good policy with any one of the major insurers, but ask specifics and shop and compare. When I was working as independent I tried to get one myself but they want to often put you in a $5,000 annual deductible which means you really have to get bad sick or hurt to even really see any benefits paid on your behalf and sometimes if you have a common condition like thyroiditis they would put an exclusion in for the first 6 months to 12 months that you have happen to need surgical treatment for that condition, i.e. thyroidectomy, you are practically on your own because it's pre-existing. I would suggest first applying for low-key health insurance, say $50,000, and then along with history-taking, they generally do a blood draw and EKG, along with perhaps even an HIV test among others, then you've got some "evidence" if you will of your health status before applying for major medical. Then decide later, if you are approved that is, if you want to keep the life insurance as you go independenty, or get life insurance and health insurance with a prospective employer if you happen to go that route instead of independent. This way family considerations also are taken into account. Overall it's best to go beyond the hand-outs which look so colorful and shiny with smiling faces, and look at the contract benefits, exclusions and limitations of any policy, which they hesitate to show unless you pay your money first. Hope you find the right one.

I need to find out if Errrors and Omissions insurance is needed for a contracted medical transcriptionist?

Please let me know if you carry it and how I can obtain it?



No you do not need it and if you did, error and omission insurance is VERY expensive.  I work for a company who requires general business insurance (tho I don't know why) and it costs me $168/year which I write off as a business expense but is still a waste of money in my opinion.

Everyone who lives in Florida should be aware that the PIP insurance as we know it is soon to expire on 10/1/07.  Please go to the web site http://www.wpbf.com/index.html.  In the center, scroll down a little in the middle is a survery that asks Do you think personal injury protection (PIP) should be eliminated?  Please go on line and vote NO.  Send this email to everyone you know.  We want hundreds of votes.

Also, please send a letter to Governor Charlie Crist,o to Speaker Marco Rubio and Senate President Ken Pruitt.  You can find their email addresses on MyFlorida.com.  It is very important that they add this to their agenda on 6/12/07 for their special session.


Thanks for your help. 

I was in a similar position, needed insurance for just a short period until new insurance kicked in.  I went to the United Healthcare insurance site and they have "gap" insurance that you can use for anywhere from 1 to 12 months I believe.  It sure beats the high expense of COBRA and should get you through.


Yes, unfortunately I do know what happens!  My husband has no insurance, but usually gets care through the VA.  In April, he had an emergency, ended up with a pacemaker, a gazillion tests, doctors, two hospitals, ambulance, etc.  Over $59,500.00 out of pocket expenses.  If the VA does not pay (it is with their review board), we will be paying until we die.  Some are taking as little as $25.00 a month, others are waiting for VA and then may reduce the charges somewhat.  It is very scary to be without insurance.  Try to get something for major hospital stays, surgeries, etc.  Also, short term and long term disability are good.  If you have any type of chronic condition, forget it.  I have diabetes and hypertension both - cannot get coverage anywhere - I have tried several times, so I can be flexible/part time.  Good Luck and God Bless You.

E&O Insurance

I bought a policy from State Farm.  It cost me $257 for the year.  I really have never heard of being able to cover it from home owner's policy, not unless it is for a small amount.  My policy consists of $250,000.

I would call SF and ask them about it.


Good Luck!!!

E&O Insurance

Are you a contractor for the hospital?  First, you need to make sure you know what limits they are requiring.  If they are requiring E&O ins., then they should have something in writing about the limits.  This is expensive insurance.  I used to be a CSR for an insurance agency. 

It's not something that can be obtained through your homeowner's insurance.  Homeowner's insurance is occurance-based general liability (and property) insurance, whereas E&O insurance is claims-made liability.  Specifically it covers you if you get sued because of an error or an omission that you do that causes harm to someone. 

It surprises me that the hospital is requiring it, though.  The doctors have to sign off on the reports that you type, thereby removing the liability from you and placing it on themselves.

E&O Insurance
I believe that $100,000 is sufficient, but I believe that most companies do not want to be involved in a lawsuit if something happens.  They only want the contractor to be responsible.
Why not just contact Aetna directly? Blue Cross/Blue Shield is pretty approachable. They will send you brochures detailing their policies.
Insurance for ICs
What insurance co. does anybody use as an IC?  I will be having to find something soon.  Thanks
Insurance for IC
If you're 50 or older you can get ins. through AARP if you're a member. Premiums aren't great, but probably better than most private polices.
Regarding insurance for individuals..
Speaking as a self-employed transcriptionist and a former medical insurance billing person, I can tell you that Mega, Fortis, which I think are both offered by NASE, are not great insurance plans. They hardly pay for anything and their preminums are no cheaper than your local Blue Cross. I worked in a doctor's office and did billing to these companies and felt bad for the patients with these insurances. They ended up paying a lot out of their own pockets. Personally, our family got a rate quote with our local Blue Cross and it was cheaper and better coverage. They do have PPO plans with copays etc.. let me know if you have anymore questions.
questions about MQ insurance
I am an IC right now and for my insurance I had to name just about every illness or hospital visit I ever have had, and if I made an 'oops' or if there is a discrepency, they can drop me at their leisure, which is scary, so i've decided to join MQ full time to get benefits.  Will this insurance cover preexisting conditions, no questions asked, since i'm a full time employee with a company?  Do I just choose what coverage I want, and what are the choices?  If any of you who have insurance with MQ can tell me what to expect, i'd appreciate it, thanks!