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  • Avatar Dusn 
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    Status: Physician
    Posts: 194
    Joined: 01/02/2018

    Why do you think certain specialties (ER, anesthesia) form groups that negotiate contracts with hospitals while other groups (primary care) seem to be more frequently employed by hospitals individually? How do you think this affects reimbursement?

    Disclaimer: I’m Ophtho so I apologize if the above observation is completely wrong

    I’d also like more info on the new Medicare E/M code reimbursement proposal

    in reply to: Upcoming Podcast Episode with PoF and PIMD #138551 Reply
    Avatar Dusn 
    Participant
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    Joined: 01/02/2018

    Also seems to increase the value of midlevels (or at least anyone who deals with the most straightforward patient complaints) relative to doctors.

    in reply to: Medicare Reimbursement Change 2019 #137609 Reply
    Liked by Zaphod, pulmdoc, nfldoc
    Avatar Dusn 
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    Sounds like more testing and procedures, less time talking to patients.

    in reply to: Medicare Reimbursement Change 2019 #137600 Reply
    Avatar Dusn 
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    I remember seeing news reports about Trump’s businesses going bankrupt throughout my childhood and I’d guess he would be wealthier if he just put his dad’s money into index funds. Then he refused to release any financial statements (tax returns) that would give any verifiable insight into his financial state but somehow still convinced people to elect him based on his supposed business credentials.
    Considering that, I don’t see how the general public will care at all about Kavanaugh’s finances

    Avatar Dusn 
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    Joined: 01/02/2018

    A prior posting on this message board asked how we decide where to get our news from.  A news site that doesn’t name the supposed large medical organization that it’s writing the story about is getting crossed off my list.   I can understand not naming a minor or an innocent person,  but a large organization?   You can just start making up any news story you want then.   I and a number of other large organizations that-shall-not-be-named find this to be complete pointlessness.

    Avatar Dusn 
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    Joined: 01/02/2018

    I’ve learned a lot from John Oliver. Despite it being comic it’s often very informative.

    His episode on retirement plans is pretty basic for all us now but I think we can all appreciate his efforts to inform the public:

    in reply to: How do you get your news? #134779 Reply
    Liked by FunkDoc83, Hank
    Avatar Dusn 
    Participant
    Status: Physician
    Posts: 194
    Joined: 01/02/2018

    All news stories are the same because they all copy each other.  What reporter has time to actually find the news, when they can just copy it from another news site (or get contacted by someone with an agenda and get the news story fed to them) and generate just as much revenue from hits.

    I’ll try to go to the primary source, if possible.   So for example, recently the news stories were about what crazy things Donald Trump said in some rally in Montana.  So I’ll pull up a youtube video of his rally in Montana and, sure enough, he said some looney stuff.   If it’s a health article, clearly I’ll just go to the scientific journal.  For legal-political matters I’ll listen to a podcast by Preet Bharara (former US attorney for NY) and his guests.

    in reply to: How do you get your news? #134748 Reply
    Avatar Dusn 
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    Use the phrase “no boxed gifts please” on your invitation. Depending on your cultures they will understand that to mean give checks or cash only as presents. That covered almost half the cost of the wedding for us

    in reply to: Wedding Budget Hacks #133992 Reply
    Avatar Dusn 
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    That’s a pretty awesome spreadsheet ENT doc,  thanks!

    in reply to: Using a Rent vs Buy Calculators in 2018 #129588 Reply
    Avatar Dusn 
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    Status: Physician
    Posts: 194
    Joined: 01/02/2018

    What’s wrong with vanguard?

    Both US and international index funds should be fine in a taxable account. Broad index funds (like total stock market) are probably more tax efficient but if doing small cap vanguard has a “tax efficient” small cap fund.

    in reply to: Taxable Account vs HSA #129343 Reply
    Avatar Dusn 
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    Who has time to go to a physician’s lounge?

     

    in reply to: "Doctor Burnout" — WSJ article #129002 Reply
    Liked by q-school
    Avatar Dusn 
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    Joined: 01/02/2018

    I would get the insurance while you’re healthy.  You never know when a medical problem may come up that increases the rates or makes it impossible to get insurance at all (and even well controlled medical problems can sometimes be major issues for these companies).

    I am not much older than you, have Principal with the “Super preferred non-tobacco” risk class and would be paying $1000 (if I adjusted by term insurance policy with them for a $2mil amount).  So the 771/year you got seems pretty good.

    in reply to: Help with Term Life #124839 Reply
    Avatar Dusn 
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    Joined: 01/02/2018

    So one of those common causes of death seems somewhat avoidable. Do you think there would be a benefit in starting a low dose statin at a young-ish age (30-40s) to try to slow down atherosclerosis early on?

    in reply to: Life is short #122877 Reply
    Avatar Dusn 
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    Thank you all for the advice!

    in reply to: Options if you are denied term life insurance #121730 Reply
    Avatar Dusn 
    Participant
    Status: Physician
    Posts: 194
    Joined: 01/02/2018

    Banner life is the company that denied, not me, but my wife.  We’re both physicians.  Diagnosis is inflammatory bowel disease, very well controlled for many years on just mesalamine.   Honestly, it seems completely ridiculous to me as she’s in her early 30s without other health issues or red flags. Everything normal on life insurance labs and physical.  I would consider myself to be far less healthy but I somehow had no trouble.   We were planning on shopping around but we just found out that she’s pregnant so if she did not get approved before I doubt she will now.  At the same time starting a family adds this new feeling of urgency to get all these things taken care of.

    Hank,  she does work at the VA so we’re looking into FEGLI.  Unfortunately I think we can only increase the rates to a max of 5x salary after a life changing event (ie after the baby is born) but I think it may also need a physical exam report and approval to make the increase?  In addition having life insurance tied to the job can be an issue if she wants to go part time or something after the baby is born… but we’re definitely looking into it.

    And yes, we’re living very frugally.  The major need would be over the next 10 years I think.

    in reply to: Options if you are denied term life insurance #121499 Reply
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