Tuition and debt

[kgpremed11]

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Exactly. In many cases you will net more as a civilian paying your own debt that a HPSP recipient.

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Primary care will come out ahead, specialist and surgery will not. Question is as a premed can you be sure you will do primary care.

But considering the military residents are making roughly 85k and once a nilitary internist they aren't paying loans or medical malpractice, don't they come out ahead somewhat at first?

I see the mains problems with it being that they can assign you anywhere and if you decide to practice as a civilian, you aren't as a desirable because of the limited amount of cases you are exposed to as opposed to other people your age working with mainly people who are 50+ y/o. Excluding peds of course.

yeah

Can you moonlight as a military resident?

The doctor i shadowed said moonlighting doubled his salary in residency.

yeah


You only have to work for the military for 4 years, then you can get out and do whatever you want.

Scholarship will save you about 75k a year in med school loans, you will make 40k more than civilian residents, ONLY in primary care do you come out ahead. Even then get out after 4.

 

[MedPR]

Primary care will come out ahead, specialist and surgery will not. Question is as a premed can you be sure you will do primary care.




yeah


yeah


You only have to work for the military for 4 years, then you can get out and do whatever you want.

Scholarship will save you about 75k a year in med school loans, you will make 40k more than civilian residents, ONLY in primary care do you come out ahead. Even then get out after 4.

Even primary care won't always come out ahead.

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[HalfListic]

OK...one more thing to consider when you are comparing HPSP.

You can just get out in 4 years and get a job with civilian pay. In this case you almost always come out ahead.

Or, if you stay military, you have to remember that those doc dont pay malpractice insurance, cant be sued (both of which are big for surgeons) and can retire at a very high percent pay and benefits after only 20 years. Then you can continue practicing, while still getting your retirement pay.


I dont think Ill end up doing it, but military is pretty sound for financial reasons, if you do it right.

I think the real downside to HPSP is that you are in the military...so you have to worry about military match, and have to worry about deployment, etc.

 

[MedPR]

OK...one more thing to consider when you are comparing HPSP.

You can just get out in 4 years and get a job with civilian pay. In this case you almost always come out ahead.

Or, if you stay military, you have to remember that those doc dont pay malpractice insurance, cant be sued (both of which are big for surgeons) and can retire at a very high percent pay and benefits after only 20 years. Then you can continue practicing, while still getting your retirement pay.


I dont think Ill end up doing it, but military is pretty sound for financial reasons, if you do it right.

I think the real downside to HPSP is that you are in the military...so you have to worry about military match, and have to worry about deployment , etc.

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[MedPR]

I have a question for all you HPSPers.

Say you've got 8 months left of repayment and the military suddenly decides you're being deployed and all deployments last 12+ months (idk if this is true, but just assume it is). Once you've been deployed for 8 months, can you tell them your repayment time is up and they have to let you go? Or are you locked in for the duration of that deployment? And, do you get any kind of compensation for paying back more than you owed?

 

[gmcguitar4]

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[BuddyTheElf]

Say you've got 8 months left of repayment and the military suddenly decides you're being deployed and all deployments last 12+ months (idk if this is true, but just assume it is).

Physician deployments are much shorter than others, just an FYI.

 

[MedPR]

Physician deployments are much shorter than others, just an FYI.

How short?

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[marinehrnt]

I have a question for all you HPSPers.

Say you've got 8 months left of repayment and the military suddenly decides you're being deployed and all deployments last 12+ months (idk if this is true, but just assume it is). Once you've been deployed for 8 months, can you tell them your repayment time is up and they have to let you go? Or are you locked in for the duration of that deployment? And, do you get any kind of compensation for paying back more than you owed?

Not sure if it works the same way for physicians or not but this happened to me while serving in the Marines. I was deployed to Iraq for 9 months with 4 months remaining on my contract. It's called "Stop Loss" which means they can keep you longer if they feel you are a critical part of the mission.

I'm always a little surprised at how many people on SDN are so freaked out of deployments (not saying in you particular medpr) just in general. In my seven years in the Marines I deployed more times than I can remember to Central and South America, Africa, Europe and the Middle East with two combat tours in Iraq. While it was not all puppies and ice cream it was an amazing experience that I would never take back and don't regret a second of it. To each their own I guess but deployments are not all bad, especially if you are unattached back home.

 

[kgpremed11]

I have a question for all you HPSPers.

Say you've got 8 months left of repayment and the military suddenly decides you're being deployed and all deployments last 12+ months (idk if this is true, but just assume it is). Once you've been deployed for 8 months, can you tell them your repayment time is up and they have to let you go? Or are you locked in for the duration of that deployment? And, do you get any kind of compensation for paying back more than you owed?

They could, and no you cant say my time is up. But that rarely happens and would be very unfortunate.

How short?

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Generally Army and Navy has longest deplyments, and to the most dangerous locations can be up to12-15 months.

Airforce usually has shorter safer deployments ~6-9 months, some specialties such as psych can be as short as 3 months.

 

[marinehrnt]

They could, and no you cant say my time is up. But that rarely happens and would be very unfortunate.

The rarity of this happening really depends on the international situation. In the early 2000's with Iraq and Afghanistan going at full speed it was very common. Many guys from my unit were extended (myself included) so it does happen. Although now with things slowing a little in the Middle East deployments it is probably not a huge issue.

 

[MedPR]

They could, and no you cant say my time is up. But that rarely happens and would be very unfortunate.



Generally Army and Navy has longest deplyments, and to the most dangerous locations can be up to12-15 months.

Airforce usually has shorter safer deployments ~6-9 months, some specialties such as psych can be as short as 3 months.

Sounds lame. Deployment is the only thing keeping me from applying HPSP. I could probably mask a physical disability I have that disqualifies me from military eligibility. It's pretty insignificant.

 

[kgpremed11]

Sounds lame. Deployment is the only thing keeping me from applying HPSP. I could probably mask a physical disability I have that disqualifies me from military eligibility. It's pretty insignificant.

Whats so bad about deployment? Doctors are generally in very safe areas, only negative I see is time away from spouse. Deployments can be hard on relationships and most spouses usually cheat when their soldier is deployed. Also being forced to be a GMO would suck.

 

[marinehrnt]

Sounds lame. Deployment is the only thing keeping me from applying HPSP. I could probably mask a physical disability I have that disqualifies me from military eligibility. It's pretty insignificant.

Masking any disability is not a great way to start. There is a thread going right now in the military medicine section about a guy that did just that and it's coming back to bite him. Waivers are available for many issues though. And deployments aren't the end of the world, sure some of it sucks but overall I got to see a ton of cool stuff.

 

[marinehrnt]

Whats so bad about deployment? Doctors are generally in very safe areas, only negative I see is time away from spouse. Deployments can be hard on relationships and most spouses usually cheat when their soldier is deployed. Also being forced to be a GMO would suck.

Yep, if you don't have anyone to miss back home deployments can be a real good time!😀

 

[cliquesh]

Military is also good if you want to do something competitive. There is little, if any, DO discrimination in the military. I have classmates this year that matched urology, ENT, radiology and orthopedics in the military.

 

[kgpremed11]

Military is also good if you want to do something competitive. There is little, if any, DO discrimination in the military. I have classmates this year that matched urology, ENT, radiology and orthopedics in the military.

If you do an orthopedics residency in the military, you will owe 5 years after residency! The payback depends on how many years you take hpsp or length of your residency, which ever is longer. Ortho can make ~500k a year, you lose big if you are going to do surgery or any specialty for hpsp ortho in military~ 150k internal medicine in military~ 130k. Like I said before you have to commit to hpsp before you get to 3rd year, if you fall in love with neuro surg but have an hpsp commitment, well too bad.

 

[MedPR]

Whats so bad about deployment? Doctors are generally in very safe areas, only negative I see is time away from spouse. Deployments can be hard on relationships and most spouses usually cheat when their soldier is deployed. Also being forced to be a GMO would suck.

Considering I want to do ortho trauma surgery, I think I might end up in a moderately dangerous place.

Masking any disability is not a great way to start. There is a thread going right now in the military medicine section about a guy that did just that and it's coming back to bite him. Waivers are available for many issues though. And deployments aren't the end of the world, sure some of it sucks but overall I got to see a ton of cool stuff.

It's not a disability that affects my daily life. It's a minor thing on the military eligibility stuff though.

 

[kgpremed11]

Considering I want to do ortho trauma surgery, I think I might end up in a moderately dangerous place.
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[Ravizzle]

Are you smart enough for that? What was your MCAT and GPA?

Lol

I'm pretty sure they won't ask about that for residency.

Sent from my Galaxy S2, I think. But I don't really know, I'm just a lowly premed.

 

[abolt18]

Considering I want to do ortho trauma surgery, I think I might end up in a moderately dangerous place.




It's not a disability that affects my daily life. It's a minor thing on the military eligibility stuff though.

I don't think they will. I met with and spoke often with a flight doc (air force) who had done his residency training in Emergency Medicine in Vegas. He was deployed to work as a trauma surgeon in Afghanistan. He said that because the military has invested so much money in you, you end up in pretty good places and you're usually in an actual hospital. The guys that get stuck in the more dangerous places are often far less qualified/expensive than you are to replace. While this is just one guy telling me this, he obviously worked with many other docs and he said that was pretty much how it was across the board. He never once feared for his life or felt in danger.

 

[abolt18]

Are you smart enough for that? What was your MCAT and GPA?

Hahahahaha. I imagine his MCAT is far higher than yours is/will be.

 

[MedPR]

Are you smart enough for that? What was your MCAT and GPA?

2.5/23. Next question

 

[cliquesh]

If you do an orthopedics residency in the military, you will owe 5 years after residency! The payback depends on how many years you take hpsp or length of your residency, which ever is longer. Ortho can make ~500k a year, you lose big if you are going to do surgery or any specialty for hpsp ortho in military~ 150k internal medicine in military~ 130k. Like I said before you have to commit to hpsp before you get to 3rd year, if you fall in love with neuro surg but have an hpsp commitment, well too bad.

It's not always about money. Every field of medicine is pretty different and you may only actually like a few of them. I could only see myself doing two specialities. I'd be pretty unhappy doing anything else. If the military was the only way I could match my speciality choice, I'd probably do it, but I may be an extreme example.