Health Insurance for
Independent Medical Transcriptionists

Health Insurance, 1996 / Back to Free Stuff

From Cindee Zentz,
Check with your local insurance agent and tell them you are looking for a group of 1 (one) policy. I guess each state is different, but in Colorado they have to offer it to us and they cannot hold any medical problems against us as "pre-existing condition". Mine is very affordable: $203 per month for my daughter and myself.

National Association for the Self-Employed. 1-800-232-NASE. They will usually have a local rep call and make an appointment to come to the prospective member's home to explain all the benefits. You get a full packet of materials to peruse.

From Deborah Pava,
As an IC, I got access to a group policy through Mutual of Omaha. They advised me that they handle a group through NAFE - National Association of Female Executives. Though I am not in any way active with this organization, as long as I pay the $20/year membership, I am able to get the med/surg-disability-accident insurance under their group policy rates.
From Bob:
One good option worth looking into is the Foundation Health HMO (available in California and I don't know how many other states, but they are in several others). I subscribed a couple of years ago through the National Association for the Self-Employed, but you don't have to go through them to get a good rate. Foundation Health is comparably priced to Kaiser, but it's a lot better plan.
From Sheila:
I just signed up for Keystone HMO for individuals. It's Blue Cross and Blue Shield of W. PA. Both plans, Keystone Blue and Complete Care are offered. Keystone is the nickname for the state of Pennsylvania. Maybe it's just one of the many plans offered but just "made for certain areas." I did see both plans advertised on the ABC network and that's how I got the phone numbers to get more information.

It's supposedly wonderful! I haven't used it yet but that's what all the information says about it. I had Blue Cross Complete Care before and I didn't like it. I'm basically a healthy person with no ailments of any kind and I will never reach my out-of-pocket limit, i believe, unless i am hospitalized. (fingers crossed!) :) Anyhow, Complete Care wanted $95 a month, individual and still I had to pay 20% OF EVERYTHING AFTER the out-of-pocket limit is met. So, I feel I am ALWAYS paying something!

With the Keystone Blue, I pay $104 a month, individual and pay only $10 to see the doc, and 20% of my prescription...THAT'S IT! Anything else is covered 100%.Not hoping to get ill anytime soon, I am wondering if it's all what it's cracked up to be! The premiums are a little higher but the benefit of being in an HMO I think outweighs the difference in $.

From Rhonda:
Regarding the health care item, I've looked into this with associates of my husband (he is in commercial insurance) and according to them, based on what they do (which is put together large group health plans for VERY LARGE organizations such as the Federation for the Blind, etc), we might not benefit from a GROUP plan any longer. The group plans have become very very limited and usually require some type of PPO participation - not exactly possible on a national level, at least not at a good rate. Due to the recent administration's new health reform "improvements" (??!) and threats of improvement, more and more so, the plans that are available are having to raise prices and ask for more co-pays. If each individual REALLY SINCERELY looked into this whole insurance deal, what they would find is that the cost of health insurance is just plain COSTLY (duh) and that it does not improve as it used to with group plans.

My family has health insurance through my husband's group. It still costs us over $360 per month, not counting co-payments, deductibles, and etc. Believe me, I've checked this out and we would put in an awfully lot of HARD WORK to even try to get a national or state or group plan and in the end, it wouldn't even save us any real $. At this stage of the game, we are all capable of doing better individually. People still talk about how they think group plans are so much better. They USED to be better. Not because they were really THAT MUCH cheaper but because the companies we worked for could afford the cost of chipping in toward their employees health insurance. They paid a portion, the employees paid a portion. NOW, due to increased amounts having to be put aside for other benefits our national government thought were so very pertinent (like having over 50 employees requires a small company to give maternity leave to its employee - maternal and paternal! Nice thought except that most companies with only 50 or so employees absolutely cannot afford such a luxury along with fewer tax breaks, AND still be able to help their employees with health insurance!). . .I talked to another Health Insurance Specialist (#2 in the nation with Blue Cross/Blue Shield) and he basically said we'd be spinning our wheels to accomplish a little bit of nothing along the health insurance lines... He claimed there were things we could do but the work involved with putting it together would not balance out with the amount of money (if any) we would save.

MT Daily Homepage