What do you ICs do for health ins? What is the best plan?

Am just curious, is anyone currently enrolled in this? Do you feel it's a good deal? I haven't had health insurance in about 10 years and looked into this. For where I live (NV) and my age (46) it's $260/mo with a $3000/$2000 deductable. For $350/mo it's a $1,000/$1500 deductible. For either plan it's 80/20 with an OOP cap of $5950.00, then it's 100% paid. Co-pay for either plan is $25. They have a pretty extensive provider ...

I'm a poor, struggling medical transcriptionist, as most of us are. I'm six years away from receiving Medicare benefits and have been struggling to pay medical insurance the last few years. I just found out my premiums are going up from $256 to $308 monthly starting Jan. 2013. This insurance is not great, does not even pay for x-rays. Does anyone have an insurance plan that is a bit more reasonable? I am not young, but do not have any pre-existing conditions and really don't u ...

that they will be sending my MTSO a premium rebate that can be distributed by either lower future premiums or with a cash rebate. The letter says we have to ask them how much they are getting for a rebate (good luck getting an answer to that question) and how they are going to be doing the distribution. Anybody else get a letter like this? Apparently, this is part of the ACA and is called the MLR (medical loss ratio).` ...

I can't seem to get a straight answer from anyone on this. Does anyone getting the limited health plan know if the plan satifies the ACA requirements? eg. Am I required to buy another plan and am I eligible for subsidies? I keep getting conflicting answers. It doesn't help that the help sites say all "employer based coverage" counts. But It seems like this is an "excepted benefit." Also, they sent that form that says full time employees have m ...

This means 65% will see decrease and/or paid minimum wage. They are touting this as the great new comp (local Burger King is advertising job for $10/hour). Anyone find out if the QC percentage is just for blanks or include all sent to QA including Audio issues, etc, and will EQA be included. Also, trying to figure out our pay from week to week is going to be a pain. I am going to see how this new comp plan works out, but since the conference call, I'm not feeling pos ...

tell me how that works? I know the insurance premiums are less than a regular health plan. If your company puts 500 in your account, does that mean the first few times, for example, until you use up the 500, you don't pay ANYTHING or is it the opposite...you pay the entire office visit cost until you reach that 500? I would be so grateful for any information about this type of plan. TIA ...

I'm just curious as to how it works, as I may have to sign up for it at the end of the year. How does the HRA account work and how do you get access to the funds when you need them? I think I understand everything beyond that. Just curious how the account is set up and how to get access to it. ...

I will check for work during my schedule. Work it if possible, if not, just use the no wrk excused absence comment. I am not going to work around the clock to try and make it up. Ridiculous. If you want to, that is okay, but seems crazy to ask people to do this. Why don't the supervisors/TSMs have a call about this. We get an email, but never anyone to tell us directly about a change. I just cannot believe that they expect employees to try and make up the time. ...

Cant we all write the guys who are on the e-mail we all got if in fact this turns out to be something bad? Flood their emails and desks? Ya know its too bad we cant get together 500+ MLS and go on strike... I would do it. If a ton of us went on strike and demanded fair wages and changes, with noone typing their reports for 48+ hours I think they'd listen. It kind of sounds like the pay will be the same even if they lower the base..... b/c if they lower the base rate but you get a tad extra ...

Sounds like they are taking out the LPH requirements? Or am I the only 1 thinking this? Sounds like they take out the requirement for LPH. Now your lines may drop due to focusing more on QA/blanks/rereading,etc. Normally that would lower your lines and lower your pay. Now it will lower your lines BUT you will send less to Q and have less mistakes so your pay will ultimately stay the same. This is how I am taking all of this. The only thing I am not getting is if we are going to have a base ...

Been thinking about this, and it's obvious we are all pretty much sunk. I was wondering if someone would be so kind as to post any info on getting financial assistance to learn another trade/skill. Am thinking pharmacy tech or medical assistant. Seems to me there is a government program that may help out with tuition/expenses, but cannot remember what it's called. Thanks in advance. ...

My son, who has a Master's Degree in Math, took a look at the 7-page explanation of the new compensation plan. He said it was very confusing. What the ? Not even a math expert can understand it? Really? I'm at a loss ;( ...

The abuse and the stress have gone beyond the pale. The people who put together this pay plan have no idea what it is like to work in the trenches. We have taken pride in our work and have loved the field of medical transcription, but they have made us hate it. They have caused us to make more mistakes. We are not focused on what we are doing at any given moment; we are focused on our overall scores and thinking about how we're going to make enough money to buy winter boots for our children ...

Did anybody get the email about the changes they are making. We have longer time to request a reversal (big deal - they never approve them so really????) and now they can QA us for our 2 weeks rather than our 1 weeks which in my opininon just gives them more time to pick apart which ones they want to check and find their errors to total up!!! That is great idea. ...

I thought they were going to roll out a new PTO plan first of the year? ...

Was told in a conference call a while back that they would revamping the PTO plan and would release or announce it on June 1. Had not heard anything from my supervisor. I know she said they would implement a buy back plan and that was all she knew. Has any one else heard what further fun and games Nuisance has in store regarding our PTO? And since I am asking, do you think they will mess with our 401(k) -- like no longer doing partially matching contributions? Counting t ...

I have a dictator will dictate the Assessment/Plan with a number for the problem and a letter for the plan (1. Gout. A. Labs in the morning. B. Medication, 2. Etc. A. B., 3. A.) I have always just ignored the letters she gives me and not put them, but I was wondering today if I am suppose to. It is not a verbatim account and I never got in trouble for not putting them. I tried looking this up in AAMT BOS but maybe I am not looking right ...

I hope someone can help me. I know I need to back up my files (especially my work files, SH, etc.) I see ads on TV about back up options, I have heard of other ways to do this as well, like an external drive. My dilemma is that I don't know which is the best way to do this. I have a Dell computer and every so often a box comes up and says backup not done. I never click on it. Does this mean I should have make a disk with everyone on it that I wa ...

Does anyone know if the PTO we see as of today in teamwork is the correct remaining PTO for the rest of the year? I was not sure if the pto we used previously in the period ending 12/26 is reflected in the current PTO in teamwork yet. This is confusing me since we will get a 12/31 paycheck. I know pto will not accumulate until next year but it looks like to me I did not lose any PTO even since taking a few hours ending the 26th. any clues out there? ...

anyone hear of "SMACK" on the assessment and plan of a PE? ...

He is saying "She was released from the hospital and she was given a TARE (tear, tare sounds like tare, rhymes with care) plan which suggests that she stays hydrated and also get treatment for her headaches." I'm stumped! ...

I was told there was an incentive plan with M*Modal/MQ. Any information would be appreciated. Thanks ...new to M*Modal ...

just continue to take what I can get until there is nothing left. If it means working here and there I guess that is what I will do. As far as coding, MModal is advertising everywhere for coding people and I can assure you they are training coders and that work will be heading overseas as well so why bother. They will keep the rates low and there wont be any money in that either. I guess the only way to even try to survive in transcription is take what you can get unless ...

Does anyone know what this is or where it can be found? Thanks. ...

Everyone who is an MT now should make a 5-year plan to be out of this field for good within 5 years. That will show them we're not gonig to take this anymore. Shove it in their faces. I got into this field only last year, graduated from MTEC. It's fine for now, but not for long. I now plan to leave it for good in 5 years. ...

I got a job with a small local MTSO. The pay is only fair, and there's no PTO, but there's also no VR and my insurance is free (not for my family though). The owner and I both know that the days of MT are dwindling but we are going to ride it out till the end. The beautiful part is her office also does coding and billing. Not the really indepth inpatient coding, of course, but office stuff. She knows I want to learn how to do that so when the MT work is go ...

To get as many new transcription clients as possible, then sell them all on their Fluency One product, thereby doing away with the old fashioned back end transcription altogether. I mean, it really says something when your employer has developed a software program that can eliminate your job. ...

Can someone please explain to me this new email we all got this afternoon about the new pay compensation plan rolling out in December? Can anyone explain it a bit more in detail. Sounds like our pay will not be the same amount anymore as in no more cpl that we were used to? Sounded like to me it will be based on quality and working weekends/nights, etc. Is this something good? Email wasn't in detail too much and a little hard to read. I dont have time to go through it right now. Thanks! ...

If my punctuation and capitalization was as bad as the notice in that email, I'd be fired. I guess they don't see the hypocrisy in that. ...

Has anyone's TSM given an indication of when they are going to inform us of this? Surely they have an idea even if management doesn't want to share with us lowly peons. ...

What do you ICs do for health ins? What is the best plan? - With no hubby to provide ins NM

Your state's insurance marketplace...SM - Old Anon

I get mine through my state - sm

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