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Serving Over 20,000 US Medical Transcriptionists

Insurance agents

Posted By: Patti on 2005-11-04
In Reply to: insurance agents do this - Aeb

They are somewhat different as your insurance coverage is with a larger company and they only act as the agent and get a commission.   When your policy comes up for renewal that insurance agent gets a commission from that company.  But your actual business is with the insurance company.   One of the companies that I subcontracted with sold out but again they had an office, machines, computers, etc.  They also did not let the clients know that it was being sold to new owners for at least six months because they were afraid that some clients would pull their accounts.    But they had the same people working.  But with a small MTSO we rarely have contracts, on a month to month.  One of mine does stipulates that I do not subcontract out and if I were to quit they would find their own replacement -- it is verbal but I would abide by it.  That is how I got it.  But she is talking about a business work probably a couple of thousand a month income if that, and she is not selling anything tangible except for a client who may or may not chose to stay, I would not go for it.    I like better odds than that when gambling.   Again, that is why I suggested subcontracting for a while to see how everything works out.


 


 


 




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    insurance agents do this

    as well as doctors and others.  I agree that a business has more value if you are talking about an office with equipment and established client base.  My insurance agent retired last year and sold his business, which was essentially just his client list and their accounts since he ran his business out of his home.  No idea what he sold it for, but I got a letter telling me about the exchange.  There is the risks there that the clients will choose not to stay with the new agent, but many do like me who doesn't want the hassle of looking for a new one.  But I think it is a little different in your situation.  You probably have a contract with your client, which insurance agents don't have, and whomever you sold your client to would most likely have to make a new contract, which the doctor may or may not want to do with someone you just bring it.  Then again, big MTSOs sell off their businesses and it all seems to work out, so maybe it would for you, too. 


    Found this regarding smothering agents..

    Can you use mayonnaise, butter or vaseline to smother head lice?
    Like olive oil, mayonnaise, butter and vaseline are smothering agents. However, unlike olive oil, these substances are difficult to get out of the hair, particularly in the case of vaseline. Children are often repelled by the smell of butter and mayonnaise and both these substances can turn rancid, and cause problems if children suck on their hair.

    Mineral oil (including baby oil) is not recommended because it can be harmful to mucous membranes.

    Olive Oil is the best smothering agent. It has been lab-tested and found to be effective in killing head lice. Olive oil has few, if any, allergic properties and is relatively inexpensive. The least expensive grade - pumace or restaurant grade - is best. And olive oil can be purchased with food stamps.

    Smothering head lice is a safe and effective treatment option, but it can be somewhat complicated. To smother successfully, you have to be persistent and know when and how to apply the smothering agent.


    heaven should be closed to most IRS agents

    As soon as possible, talk to an attorney who specializes in this. Ask them if you can file Chapter 13 bankruptcy. In many cases, you can ultimately pay up to 10% of a past owed date.

    While this is being haggled in the courts, you can send money, or not. You will have the protection of the federal government, who will handle another branch of the federal government.

    Just never miss a single payment to the courts.


    I bet other insurance carriers have insurance for their employees. Why not Wal-Mart? nm
    :+
    Insurance

    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?


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

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    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
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    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.
    Insurance

    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?


    Thanks...


     


    insurance
    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.
    PIP INSURANCE

    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. 


    Insurance
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    insurance

     


    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.


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    I would call SF and ask them about it.


     


    Good Luck!!!


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    I'm afraid your stuck honey! There are NO companies that provide health insurance for ICs. Sorry ):
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    Health Insurance
    I just enrolled my 12 year old daughter in an AETNA insurance plan. They offer plans just for children and offer 3 different HMO's.  I picked the best of the 3, with a 10.00 copay and no referrals, for $105.00 per month. Can't beat that!
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    decent (decent being the key word here) reports to make the require 12,000 lines per pay period, and I would have $300-$400 lines suddenly taken out of my pay, and then it would take several pay periods before I'd be allowed back with insurance that was co-payed with them.


    Also, it always struck me odd, that they never raised my pay when I told them to change me from EMPLOYEE to Statutory Employee.  I asked and asked and no answer.


    The other day I asked for anything written with description of their policies on insurance, "no" work situations for both Employee and SE, and they denied being able to provide either.


    I'd be real careful when going to work for this company. 


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    I am looking at moving back to working from home, I am currently 'in-house' working for a hospital clinic but I need more flexibility for my children's schedules.


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    Thanks VT_MT


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    why is insurance so expensive?

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    before your insurance runs out....nm

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    health insurance
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