A community of 30,000 US Transcriptionist serving Medical Transcription Industry

Groceries or insurance premium - oy

Posted: Aug 11, 2012

Thanks to open enrollment, just cancelled all medical insurance/benefits to keep $188 per month from being taken from my pay which is too meager to afford the insurance premium AND food....

cancellin - ne

[ In Reply To ..]
Who did you contact. I sent an email because my TL told me to do it that way but I have yet to hear anything. I want to cancel mine too

I took higher premium on my insurance - sm

[ In Reply To ..]
I was paying about 400/month for BC/BS individual insurance privately. They upped it another $100 so I went to a higher deductible, and got it down to about $250/mo. I don't know if that would work for you, but thought I'd share just in case.

she couldnt afford $188 and food, so how could - she afford $250?

[ In Reply To ..]
???

She suggested changing her policy to - al

[ In Reply To ..]
maybe bring down the cost and gave her policy changes as an example.

The thing is... - oy

[ In Reply To ..]
I understand what you mean. The insurance premium is reasonable, but pay is not. So that is money I can no longer afford to have deducted from my pay. Had to make a decision. And it's scary. But can't pay for insurance when struggling to pay basic needs. And employed full time....it is criminal.

Not trying to be smart - sm

[ In Reply To ..]
But I worked for a rinky-dink mom and pop MT service for 4 years with no group plan and because I had an "existing condition," I was not eligible for an individual policy on my own. (Had been to the ER once with diverticulitis and was put on outpatient oral antibiotics. Basically, if you had been to the doctor or taken any Rx, you were considered to have a "preexisting condition.")

I hear ya. I have ins., but never go to the doctor - as I cant afford co-pays. It sucks. nm

[ In Reply To ..]

No deductible choice now, one plan and one plan only. - new insurance

[ In Reply To ..]
Kind of surprised to not see any posts here about the new insurance and even greater lack of flexibility now.

Self insured - Dara

[ In Reply To ..]
Both my husband and I have been self insured for 30+ years, which means we've always had to buy our own health insurance. We've taken the highest deductible to keep the price as low as possible; basically, it's been just catastrophic insurance, and we've paid all health maintenance and office visits out of pocket. When prices continued to rise, we finally dropped our traditional insurance two years ago and joined a health care sharing program, "Christian Health Care Ministries." I was hesitant at first, and it's necessitated a new way of thinking, but it's worked well for us. We still pay our basic costs but the sharing has paid for, so far, a papilloma removal from under my tongue and polyp removal during colonoscopy. We have to take a more active role; i.e., negotiating for a cash-pay discount with the providers, if possible. Our monthly premiums went from $750/mo. to about $350/mo. as well. You might want to check into something like that. All the best to you.

Preexisting condition insurance by state - poor

[ In Reply To ..]
If you have a preexisting condition, you can get reasonable insurance through your state. I don't have a preexisting, but my son does. My state costs $362 (per person) per month with NO deductible and only $20 copay, PLUS only $6000 out of pocket.

Here is the web page to check by state:

https://www.pcip.gov/

It's still a heck of a lot better than the family plan from Nuance costing $500 every 2 weeks and for which you get really basically nothing. I don't bother to get a physical or mammogram because what if there is something wrong. Yeah, the mammogram is free, but anything else is going to cost the earth, so better not find out.

You have to be uninsured for 6 months though - poor

[ In Reply To ..]
But I might as well be, with what little you get from these ripoff insurance plans now.

Here is the page to click on a map.
http://www.healthcare.gov/law/features/choices/pre-existing-condition-insurance-plan/index.html

thx - sm

[ In Reply To ..]
Thanks for your post, but here in MO, the "high risk pool" through the state was $900/month. High risk. Like I had AIDS or was a paraplegic.

None of the premiums seem that high - according to the website

[ In Reply To ..]
http://www.mhip.org/federal_premiums.html

But the deductibles are way higher. Sometimes I think employees of these places even are not letting people know about options, whether they are not educated or choose not to let anyone in on it, I don't know. I had to dig to find this stuff because I hate being uninsured but with all the cuts in pay I could not afford the $500 every two weeks (especially when you still have a huge deductible after that!). Finally, New York State is cheaper for something! We do pay high taxes though I think.

Similar Messages:

Jun 16, 2012

I'm so disgusted. I carry health/dental/vision on myself and my husband, and my premium just went up 30.00 a pay period...that's 60.00 more monthly!! I pay entirely too much for just us 2 as it is, but we have need for meds, and being without is not an option. My husband is in between jobs. Just needed to vent. Insurance just should not cost this much. It's disgusting what comes out of my check!! ...

Dec 12, 2010

Hi, does anyone know if the health plan for family quoted for Transtech Medical is monthly or per pay period? I saw for the plan 3, $500 deductible, $375 something and was wondering if that was per pay period for family or per month? ...

Jul 25, 2011

Friday will be our third paycheck of the month. They should not take out insurance premium. Does anyone know for sure??? ...

Dec 06, 2010

nm ...

Feb 18, 2010

Does anybody know how much the full Cobra premium would be if you didn't qualify for Obama's subsidy after leaving MQ? ...

Jul 08, 2012

Did anyone receive holiday premium pay from Transcend side for 4th of July? I did not receive any holiday bonus for working 8 hours that day. ...

Aug 16, 2014

The computer I just bought has Windows 7 premium. Now I'm wondering if most companies want the professional edition? Ugh, then I'd have to buy that separately. Can anyone tell me if companies mean premium home version or professional version when they say Windows 7 required? TIA! ...

May 17, 2010

Hi, I am getting a new computer tonight and need to know if any of you are using Win 7 Home Premium with your Stedman's software? It says at Microsoft that to use older XP programs we need to have Win 7 Professional, but if I can use Win 7 Home Premium and save myself $100 I'd rather do that! Also I wonder if my Instant Text Pro will work with Win 7 Home Premium too, anyone know? Thanks! ...

Mar 05, 2015

Does anyone know what kind of reduction you get for filling out the Health Risk Assessment. Thanks in advance. ...

Apr 15, 2010

and family member wishes to join later, can I enroll at any time or must it be during "official" enrollment period? Thank you. ...

Jan 13, 2011

Has anybody received their insurance cards yet? ...

Jan 24, 2011

What do other LMers think of what is happening with our insurance? I am the head of our household and am worried. What do we do when COBRA runs out? ...

Oct 17, 2013

Hmmmmmm, should I go with Nuance insurance or Obama's "marketplace" insurance - that is the question. I'll be broke either way. ...

Dec 30, 2009

Just curious if anyone currently working at TT has received their new insurance info in the mail? Yes, I've contacted HR but I never get a response. Thx ...

May 17, 2011

I don't know if yall know this, but I found out during the process of appealing an insurance claim that MedQuist is self-insured. They set our rates and our benefits and pay all our claims, United Healthcare just administers the fund! Kind of explains why things got so sh***y so fast, it's because MedQuist is calling the shots ...

Jul 12, 2011

Just wondering, MQ says that there insurance is second to none. So, how good is their insurance and how expensive? TIA Looking for love in all the wrong places, apparently. ...

Oct 02, 2011

Do we have to wait 90 days just like when hired on at a new job? I don't understand how this is fair considering I didn't ask for a change. ...

Feb 16, 2012

I have had to use this insurance several times for MRIs. This insurance pays for NOTHING. I sure hope with the switch in suits and the new name change we can get a cheaper deductible when the benefits package comes up again in June. This is just horrible! This is eating up my paycheck fast. ...

Mar 13, 2012

Did anyone else's insurance go up on LTD and STD insurance rate on the last paycheck. These insurance companies are nickel, diming and $100 their way thru our pay. ...

Apr 06, 2012

message deleted ...

Nov 07, 2012

I just went over the NEW (using the term loosely) insurance for January.. wow.. there is not much change to mention. Well, except that smokers will have to pay more. We will still have to pay (single) 2500.00 out of pocket before they will even pay the 75% (my heart goes out to those with families!). I dont know about the rest of you, but that just dooms me to no benefits to speak of or else to just owe out the wazooo. I had been told by my physician that I had ...

May 02, 2013

I just read the insurance thread and one of you mentioned having no Rx coverage. Go to www.goodrx.com I've gotten deals there that are far better than what I was getting through my insurance (current plan does not include Rx coverage). For instance, my BP medication was $95 cash, $50 insurance, and $33 through GoodRx. ...

Aug 01, 2014

How much is the premium for health insurance for individual with Nuance? ...

Jan 18, 2015

Did anyone get the insurance through LM or did all that fall through? No one ever contacted me about it. Just curious. ...

May 01, 2015

Was anyone able to find an answer regarding AP's insurance? ...

Oct 14, 2009

Hey folks. Does anyone know of a group health insurance coverage I can get even with preexisting issues? My company doesn't offer it. I've thought of switching companies but all the other ones sound so awful. Any advice would be greatly appreciated. ...

Oct 17, 2009

Does anyone know anything about E&O insurance coverage for IC MTs and if it will be required by government in the year 2010? A recruiter told me this morning that her company would require this coverage since the U.S. government will require ICs to have this coverage in February of 2010. Did I understand her correctly? If so, does anyone have any idea how much this would cost? ...

Oct 18, 2009

i had a job interview with Transportal's recruiter this past week and one of the things she mentioned is the fact that they will require ICs to purchase Errors and Omissions insurance. She said that by February 2010 the government would be requiring all IC medical transcriptionists to have this coverage. Have they told their current employees/ICs about this and, if so, does anyone have any idea what it costs? It sounds like a good company and the job offer is definit ...

Apr 12, 2010

Any ICs out there that have been told they have to carry "liability insurance" that also covers HIPPA breaches? I feel this job is costing me more money than I can make anymore. Plus, they tell me when I can and can't take off, when I have to work, etc. and even call me on weekends when TAT is running out and I'm off. Of course when I do take off, I don't get paid and am told I have to make the time up. What the heck? Anway, back on subject, anybody have the insurance an ...

Oct 21, 2010

I am considering becoming self employed (after a fashion) as an IC. I have gone onto www.healthcare.gov and gone through the steps they advise when you want to take out private insurance. Holy cow, the insurance plans offered varied in premium cost from $600 to $4000 per month for a family of 4, but the thing that got me was two items: Maximum out of pocket for individual: 0$. Annual deductible for individual: 0$. Woohoo. This just seems too good to be true.&n ...