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$700 a month for health insurance for my family? - Poor transcriptionist


Posted: Feb 10, 2012

When I worked in-house at a local hospital until a couple of years ago, I was able to get health, dental, prescription plan, life, etc., insurance for my whole family (90%/10%) for only $250 a month.  The hospital paid the other half of the premium.  Unfortunately our nice little community hospital got bought out by a nationwide hospital corporation which had a preexisting contract with a national transcription company.  At first I was just like, well, here we go, I guess I'll just see what happens and hope for the best.  I had previously had experience working MT at home for Your Office Genie and then MedQuist back in the late 90s before VR really took hold, so I kind of knew what to expect, though we all really would have much preferred to stay working for the hospital, in-house even, if it had been possible. 

In any case, I just noticed our insurance premiums have gone up again (like they always do).  Now I pay $700 a month for insurance, and my income from MT/editing has dropped by 25% since I now do primarily VR.  After just doing 2011 income taxes yesterday, it struck me that we are now officially below the freakin poverty level!  I absolutely hate the idea of depending on the government at all, but until I can find another career (or my editing speed increases to over 700 lph and they don't cut my pay, which always could happen) it appears that my family qualifies for Medicaid and Food Stamps.  I have wondered if were able to stop at least my company health insurance policy how long it would take to get on Medicaid. 

How humiliating that someone who has devoted 20 years of their life to the healthcare industry should even have to consider going on Medicaid and Food Stamps to keep from going under!  And yet this is how it is.  Where to turn?  Dear God help me make the right choices for my family.

Family Insurance - CB

[ In Reply To ..]
Unfortunately, the $700+ a month is the norm and $250 is almost unheard of. I remember back in the 80s anything done at the hospital I worked for was actually free. It's crazy now. I paid $800+ a month for just two of us with my last company, and the same at the current one, though at least this one includes dental.

If you think yours is expensive... - SufferingMT

[ In Reply To ..]
Well for me and my 2 kids it would be $890 a month. If it were me, spouse, and kids, it would be $1518 a month.

Obviously I can't afford that, so I just got my kids on Medicaid a couple weeks ago. Thinking about the food stamps as well. Been MTing for 17 years.

Basically we are just paying to get the contracted rates - see message

[ In Reply To ..]
We just got consumed by MModal.. :(

Their insurance is much cheaper than DSGs BUT .. you get what you pay for. My deductible went from $500 to $3000 (you get 500 towards that) ...my out of pocket went from 1500 to 10,000+ the 3,000 deductible .. with a 30% co-pay now versus 20% before.

So .. if you use it .. OUCH .. but .. if you don't have it, the billed charges are astronomical. Recent surgery for me last year was billed 31,000 (Outpatient no less) .. Insurance contracted rate was 8,000.

So I have decided that basically I will be paying to get the contracted rates. How said is that?

One suggestion - I put my child under 19 on the state program for kids. It is 133 a month and is really good coverage (BCBS).

Good luck to you! It is a sad state of affairs for all of us ..

A family policy costs my employer something like - $45-49K. That is per employee, even

[ In Reply To ..]
with very high deductibles, copays, etc. The amount passed on to the employee per two-week pay period is similar to yours, if recall. I do clearly remember thinking it would force many younger workers to go uninsured.

Fortunately for us, our own kids are grown and DH has Medicare, so I "only" pay about $600/month for myself with a $5000 annual deductible, PLUS copays, PLUS coinsurance percentage.

BTW, I have ALWAYS supported a national healthcare policy and never, ever was foolish enough to believe that for-profit medicine would work. The health insurance part of this mess is obsolete anyway. They render no healthcare, merely charge enormous sums to administer a bill paying service rigged to allow them to refuse to pay. The more they refuse to pay, and refuse to cover those people more likely to need healthcare in the first place, the more premium dollars they get to keep.

Here's an interesting link on industry profits for those so inclined: http://www.economist.com/blogs/democracyinamerica/2010/03/health_care_reform

Vermont is implementing statewide coverage for its residents (sm) - CMT

[ In Reply To ..]
The governor, in fact, was elected on his promise to get this done. It is happening.

It will be a huge boon to their economy, with businesses relocating across the border once they realize they'll no longer have to bear the burden of providing coverage and what this will mean for their bottom line. Not to mention all the entrepreneurialism that will be allowed to spring up since people will be assured of health coverage no matter what. And what it will do to the unemployment rate because there are so many people who are merely working because their family needs the health insurance. They'll finally be able to quit and get on with their life, thus freeing up that job for another.

This is exactly what happened in Canada. I believe the first province that went on their own and did their own thing was Saskatchewan. It worked so well that the neighboring provinces went, "Hey. We want that, too." In this way, one by one, all the provinces eventually came on board. But it took years.

Fortunately, I live in one of the bellwether states, and we will soon follow suit after Vermont gets the kinks worked out. Places like Alabama and Arkansas will come along last.

Excellent. I'm afraid a lot of our neighbors here in Georgia - would see it as sign of end times. :) NM

[ In Reply To ..]
x

Wow, we live just over the border in NY - - NYMT

[ In Reply To ..]
I'll tell you, it makes it tempting to sell the house and move over to Vermont! We're paying $750 a month for Healthy New York because we're both self-employed, and it's killing our budget because we still have the $20.00 copays and no prescription coverage. Bennington it starting to look good!

Check into two things - Mollie

[ In Reply To ..]
Our state has a children's health insurance program covered by a private insurer. Does yours? Also, with the income you have, you could put your children on Medicaid and save that premium. Even private health insurance on children is usually cheaper than what you pay with a group.

Right there with you, transcribing for healthcare - typing4insurance

[ In Reply To ..]
We are in the same boat only they "lost" my work credits.: and I am stuck in red tape... I transcribe 9 regular accounts and whatever comes in from others, and after healthcare costs and overhead, there is nothing left, and I only have 1 condition treated; my husband none. I definitely cannot afford treatment from the physicians I transcribe for ironically. We obtained health insurance through my business when my husband lost his job with benefits, and now he cannot find a full-time job with benefits, as companies are now using him like an independent contractor even though he is not. Good luck!


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