This is from a Family practice doc AD.
I am happy to give you my perspective on military medicine. I will try
to answer all of your questions and you can call me if the information
brings up any more questions. I will be gone from XXXX to XXXX so
you will not be able to contact me during that time.
To give you a little background information, I was not an HPSP recipient,
but rather an FAP (Financial Assistance Program) recruit. I did my 3.5 year payback and
separated from the Air Force to go into private practice. After 2 years
I came back into the Air Force for various reasons which I won't go
into, but suffice it to say I have been on both sides of the fence.
HPSP students tend to be happier with their choice to join the military.
The FAP program is for residents and offers a stipend during residency
which basically amounts to around $35K per year for a 1:1 +1 payback
(i.e. 4 year payback for 3 year assistance). I am not as familiar with
the HPSP program and payback rules but I believe it is 1:1 for medical
school and residency. The nice thing about the program is the fact that
you don't have medical school debt (I'm still paying mine). There may
be other incentives currently because of the shortage of providers in
the AF.
Some things your recruiter may not tell you or may not be clear:
1. Once you sign the papers, you are at the mercy of the Air Force. You
do not get to choose where you are stationed. You can request
assignments, but the needs of the Air Force take precedence.
Also...this is important and has angered more than one HPSP
student...the Air Force can, and often does, pull residents from their
residency after their intern year and puts them to work as a GMO
(General Medical Officer...same as a General Practitioner) in a Flight
Medicine Billet for 3-4 years. It is a nice assignment, but high rate
of deployment and less pay (loss of Incentive Special Pay [ISP] and
Board Certified Pay).
2. HPSP and FAP recipients are not eligible for Multiyear Special Pay
(MISP) until their active duty service obligation is completed. This is
a big bonus...$33K annually for Family Practice, varies by specialty.
I will give you a couple of examples of how your pay might break down
depending on your status:
1. New HPSP Family Medicine graduate:
- Captain Basic Pay $3,292/month
- Incentive Special Pay (ISP) $13,000/year
- Board Certified Pay $208/month
- Additional Special Pay (ASP) $15,000/year
- Variable Special Pay (VSP) $416/month
- Basic Allowance Quarters (BAQ) $789/month(w/o
dependents)
- Basic Allowance Subsistence (BAS) $193/month
______________
$7,231/month or
$86,776/yr
BAH may vary depending on if you have dependents, where you live, etc,
but that is pretty close. You may live in base housing and you will get
no BAH, but you will have no house payment or utilities to pay.
Depending on how you look at that, it may not seem like a lot, but
consider that fact that you have no medical school debt. An FAP
recipient gets the same, but unless they used their stipend in residency
to pay back their medical school debt, they have that disadvantage.
2. New HPSP GMO in Flight Medicine
- Captain Basic Pay $3,292/month
- Additional Special Pay (ASP) $15,000/year
- Variable Special Pay(VSP) $416/month
- Aviation Career Incentive Pay $125/month
- Basic Allowance Quarters (BAQ) $789/month (w/o
dependents)
- Basic Allowance Subsistence (BAS) $193/month
______________
$6,065/month or
$72,780/yr
Sounds a little less enticing, but you can start making more money
earlier (by two years) and there are opportunities to apply for military
residency programs following your first flight medicine assignment.
3. 9 year Family Medicine Doc with no active duty service obligation
(me)
- Major Basic Pay (over 8 yrs) $5,245/month
- Additional Special Pay (ASP) $15,000/year
- Variable Special Pay (VSP) $958/month
- Incentive Special Pay (ISP) $13,000/year
- Multiyear Special Pay (MISP) $33,000/year (for 4 yr
obligation)
- Basic Allowance Quarters (BAQ) $1131/month (with
dependents)
- Basic Allowance Subsistence (BAS) $193/month
_________________
$12,610/month or
$151,324/yr
Now we're talking! This is competitive just about anywhere and much
more than average for Family Physicians. These dollars are
all before taxes with BAS and BAQ being non-taxable income. There is
definitely incentive to staying in the military longer term. If you are
doing it for the easy money now, it may or may not be worth it to you.
Physicians are always in demand and you will be able to pay back any
loans you get eventually. Other things to consider that may affect your
decision are:
Advantages to military life:
- Travel; you get to see many places. If you don't like your job, it
will change in 3-4 years.
- Non-contributory retirement; 50% of your base pay at 20 years.
- Free medical care for you and your dependents while on active duty.
Tricare prime for retirees for a reasonable premium. Despite people
complaining, Tricare is one of the best covering insurances in the U.S.
- The uniform. People respect it. Surveys of the most respectable jobs
put physicians and military in the top 5...you get to be both.
- Hours are generally pretty good compared to civilian practice. Most
facilities are clinics now with no inpatient care...therefore no call,
no admissions, etc.
- Camaraderie...you will have something in common with everybody you
work with. You will make friends for life in the military.
- Free CME. Many opportunities for CME and additional training, all at
the Air Forces expense (travel, lodging, registration fees, food, etc.)
Disadvantages to military life:
- Travel; Some people don't like to move. It can be difficult for
families (i.e. kids changing schools every 3-4 years). The standard
time on station now before PCS is 4 years, up from 3 years. Deployments
can take you away from your family for up to a year (4-6 months is more
common).
- Loss of autonomy. You may (and will) be supervised by nurses,
administrators, or other non-physician officers. You must answer to
them and you cannot quit your job. There are many rules and regulations
(you will be frustrated more than once) in the military and some people
have a hard time adjusting to the structure.
- We are at war. The U.S. has been involved in some war or conflict for
most of the last 40 years. The current war shows no signs of ending
soon. There is always a risk that you will be deployed to an austere
environment and will be put in harm's way. This is our primary
mission...the reason we exist. If you are going in the military for any
other reason than to serve your country, reconsider.
- You must pay your dues. You will likely begin as a PCM (primary care
manager) in a clinic which is what you are training to be, but this can
be one of the most frustrating jobs in the military. You will be busy
and your schedule is not controlled by you. There is a lot to learn
during this time and this is when most docs begin to regret their choice
to join the Air Force and start counting the days until they get out. I
always advise my new docs not to make their decision based on this. If
you stick it out, opportunities will abound.
I love my job. I am not a recruiter and have no intention of being one.
I have tried to give you useful information without being biased. The
Air Force is not for everyone. It is all in the attitude. Don't come
in expecting an easy 0730-1630 schedule. Some recruiters try to sell
that. Manning is down and the U.S. military is always doing "more with
less". Expect to work hard, whether you are in civilian practice or the
military. Any job can be rewarding...even the Air Force. I hope you
make the choice that is right for you and I hope this helps. Best of
luck in Medical School and your future endeavors.