[Editor's Note: I don't recall ever receiving a guest post about Guaranteed Standard Issue Disability Insurance (GSI) but this quarter we received two! They both took a different angle on GSI so we decided to run both. Our first submission is from Todd Talbot, CFP®, ChFC®, CLU®, an Advisor for Easy-DI servicing the University of Alabama at Birmingham GSI program. We have no financial relationship with Easy-DI. Our second is from Andy Borgia, CLU of DI4MDs.com. DI4MDs has been a long-time advertiser on WCI and Andy has helped hundreds of White Coat Investors find the best disability insurance for their needs. If you're a resident or fellow, it's important for you to see if your hospital offers a GSI program and establish GSI coverage BEFORE you apply for a standard disability insurance policy. Insurance companies consider conditions preexisting that you probably don’t. Remember this applies for avocations as well. You will not be eligible for the guarantee issue policy if you've previously been declined DI coverage (or given exclusions, limitations to coverage).]
Guaranteed Standard Issue Disability Insurance: Understanding Your Options
By Todd Talbot
What Is Guaranteed Standard Issue Disability Insurance (GSI)?
Insurance companies occasionally make their most robust disability insurance policy available to larger residency/fellowship programs or employers. Three characteristics often define Guaranteed Standard Issue Disability Insurance (GSI):
- Typically, the policy has discounted unisex rates which is generally a net small savings for males and a substantial savings for females.
- Additionally, the policy is offered without any medical underwriting.
- Only one agency or firm generally has access to a GSI offer for a residency program at a time. (See Pro-Tip at the end of my article).
GSI programs are often, but not always, the easiest way to get a top-quality contract with deep discounts without any medical underwriting.
What Is the Difference Between GSI, Individual and Group Disability Coverage?
Individual coverage almost always offers better policy definitions, coverage continues as long as you pay premiums, and guaranteed rates compared to group coverage. However, it’s generally more expensive.
GSI coverage is individual coverage, so GSI includes all the same advantages as traditional individual insurance.
Group insurance is typically inexpensive or even employer-paid. Often there is little to no medical underwriting. However, the coverage may not be “own-occupation”, rates may increase over time, the employer rather than the employee owns the policy, and you may not be able to keep the policy if you change jobs.
What Are the Advantages of GSI Coverage?
There are several advantages to GSI coverage:
- GSI coverage is typically the most robust disability policy with the most favorable definitions.
- Most if not all of the company’s riders are included or at least available.
- There is no medical underwriting. Regardless of prior injuries, medical conditions, or prescriptions, you’re able to get the most robust policy.
- It’s easy. Simply fill out the application, and you have coverage.
- It’s often less expensive than any alternative. GSI policies are generally deeply discounted so that males pay less and females pay substantially less than traditional individual coverage.
What Are the Disadvantages of GSI Coverage?
Nothing is perfect in life, and there are some disadvantages to GSI coverage:
- Pre-existing conditions will be covered under a GSI policy. However, some GSI offers will only honor pre-existing conditions after you’ve owned the policy at least one year. These policies should pay claims during the first year for any accidents and any new medical conditions. (A GSI policy which honors pre-existing conditions after a year still provides coverage where a traditional individual policy may not.)
- GSI rates are almost always less expensive, but this isn’t always the case. Males in some specialties may pay less buying a traditionally underwritten policy. You should compare terms and rates with your local agent to find the best fit for you.
- Pro Tip: Each company’s definitions of when you’re disabled are slightly different. You should read each carefully. Sometimes, it’s worth paying a little more to get the definition that’s right for you.
Who Offers GSI Coverage?
There are six major own-occupation disability companies: Ameritas, Guardian/Berkshire, Mass Mutual, Ohio National, Principal, and Standard.
One of these generally has an offer available to major residency or fellowship programs. Your GME administration is often the best contact to learn more about your GSI program.
Pro-Tip: However, some residency administrators are prohibited by university policy from promoting/sharing these programs for fear of providing an endorsement. It’s worth your time searching the internet and asking attendings/coordinators if they know of any special disability offers you should consider.
Employers with at least 10-25 physicians may also be eligible for a GSI program. Your local independent insurance agent can work with the companies to find a program for your business.
What Might You Want in a Policy?
There are a few essential components to a disability policy:
Definition of Disability
The company’s definition of disability determines when you’re considered disabled and would collect benefits.
Most physicians demand “own-occupation” coverage which will consider you disabled if you’re unable to perform the material and substantial duties of your occupation or specialty even if you’re working in a different occupation.
“Any occupation” policies consider you disabled only if you’re unable to perform the material and substantial duties of any occupation for which you’re reasonably trained.
Ability to Increase Benefits
Ability to increase benefits later without medical underwriting. Your income should increase throughout your career, and it's important that your disability policy be able to increase as well without medical underwriting. This benefit is inexpensive and valuable.
Elimination
Disability policies have an elimination period just like your health insurance has a deductible. This means you have to be disabled for typically 90 days before the policy would pay benefits.
Benefit Period
Once receiving benefits, you’ll continue to receive benefits for as long as you’re disabled up to the benefit period. Often, benefits are payable to age 65 or 67.
Mental/Nervous or Substance Abuse
Mental/Nervous or Substance Abuse provisions will often limit benefits to two years if the claim is mental/nervous or substance abuse related. Claims resulting from anxiety, depression, alcohol, or drugs fall into this category.
Cost of Living Adjustments (COLA)
Cost of Living Adjustments (COLA) will increase the benefits you’re receiving if you’re disabled for more than a year. These benefits are typically expensive. If you’re disabled early in your career, they can be very meaningful years into your disability.
Pro-Tip: consider adding COLA when you purchase your policy and then dropping the COLA rider after you’ve worked for several years. This rider is less beneficial to you as you get closer to the end of the benefit period.
Non-Cancellable and Guaranteed Renewable
Non-cancellable and guaranteed renewable policies are almost always shown to physicians because the rates are fully guaranteed, and the company cannot change anything about the policy prior to the end of the benefit period.
Company Strength
The insurance company’s financials are important because you want the company to be able to pay any claims you may have. Each of the companies listed above are financially strong.
Pro-Tip: When companies do have financial instability, a larger company often buys the company and assumes all their contracts. Your contract remains the same and cannot change (if it’s non-cancellable/guaranteed renewable); any benefits payable would be paid by the new company.
How Do I Compare Policies?
While the six major own-occupation companies each offer excellent policies, there are some differences between contracts.
Obviously, you should compare the top companies to see which has the definitions and rates that make the most sense for you.
Pro-Tip: Career/Captive and independent agents who do not have access to a GSI program will not (and often cannot) show the GSI program.
Pro-Tip: Be careful when talking with agents who do not have access to GSI plans. Many will tell you incorrect information. For example, you may be told that pre-existing conditions are never covered, that rates will increase over time, or that it doesn’t offer own-occupation coverage.
Summary
As with anything, you must do your due diligence. Compare policies from the six major own-occupation companies and search for a Guaranteed Standard Issue Disability Insurance program for your residency group.
By way of perspective, as a local advisor servicing the University of Alabama at Birmingham (UAB) GSI program, we provide our customers with all seven quotes (six traditionally underwritten policies and the GSI offered exclusively through us) to compare and contrast.
The Importance of Resident/Fellow Pre-Approved Disability Insurance
By Andy Borgia
2020 is finally over and everyone will agree it was a year like no other for physicians at all levels of practice. It was especially difficult for those physicians completing training and entering practice for the first time since many opportunities were delayed due to the uncertain practice environment. This year, again, thousands of residents and fellows are completing training and, as in the past, will be seeking to protect their medical careers in the event of disability. Covid has eliminated most in-person meetings, so residents/fellows are using the internet more than ever to obtain protection. Disability insurance is the most difficult type of insurance to secure but something all physicians should establish. Approximately 40% of all disability insurance applications result in either a declination or a policy modification.
Fortunately, Residents/Fellows at many training programs nationwide are eligible for disability coverage on a guaranteed approval basis. For example, DI 4 MDs has programs at UCSD, Rady’s Children’s and Scripps Hospitals in San Diego. The individual policies offered are the exact same specialty-specific own-occupation policies available on a non-guaranteed basis, with only some minor restrictions such as set monthly benefit amount, elimination period, and benefit period.
In addition, the policies are offered on a discounted gender-neutral basis. In 2021, this will be the only way to obtain gender neutral rates for females, which is extremely cost-effective. To protect against adverse selection, insurance companies with guaranteed approval programs usually limit representation of these policies to only one insurance agent or office per training institution. This creates a problem for the under-informed resident/fellow seeking to establish disability coverage with a pre-existing condition. The guaranteed approved policies are only guaranteed if you have NOT applied for disability insurance previously and been declined coverage or issued a policy with a modification.
Every year, hundreds of uninformed residents/fellows are ill-advised by agents who are either unaware or do not reveal that a guarantee program exists at their training hospital. As a result, numerous young physicians with pre-existing conditions are forced to go without coverage for what they need covered the most. We see a few in our programs each year that are now paying the penalty of acting on ill advice.
BEFORE ANY RESIDENT/FELLOW BEGINS THEIR RESEARCH FOR DISABILITY INSURANCE, FIND OUT IF YOUR HOSPITAL HAS A GUARANTEED APPROVAL PROGRAM! Do not rely on agents who are not authorized to offer such programs for advice; the risk is too great. With Covid limiting in-person and local insurance agent access to Hospital training programs, the likelihood of a resident/fellow being declined coverage, having to accept an exclusion rider for a pre-existing condition, or accepting a policy with limited provisions when a guaranteed policy is available to them has increased dramatically.
The Disability Underwriting Process
To elaborate, all physicians should protect their medical careers with adequate disability insurance. Most realize the advantages of this protection and take the advice of their colleagues by trying to establish coverage while they are young and presumably healthy. This usually occurs during training. As mentioned previously, this is when many learn a critical lesson about disability insurance underwriting.
Disability insurance underwriting is extensive. Underwriters will review your prescription history, driving record, avocations and will typically obtain and review your medical records. An issue in any one of these categories can pose a problem.
Disability insurance medical underwriting is not like the clinical medicine you are practicing. The insurance companies must group you together with similar risks, consider the risk that the condition(s) will impair your ability to practice your specialty, and consider the likelihood for future recurrence/relapse. They do not know who will have a problem in the future, only that someone or many will. This means that many conditions that you have recovered from can and probably will, particularly if within the last five years, be excluded from coverage or result in limited provisions or benefits.
For example, if you have had knee surgery, then that knee will be excluded from coverage. Remember that this type of policy modification occurs approximately 40% of the time with disability insurance applications. These policy modifications can be either the exclusion of a pre-existing medical condition either temporarily or permanently, reduction of the desired benefit period, removal of critical riders such as the Future Insurance Option, or, the worst-case scenario, a complete declination of coverage, depending on the medical history.
A common example is medication use or therapy for anxiety or depression. In that example, at best, a policy will not cover disabilities due to mental/nervous disorders and substance abuse (think conditions listed in the latest DSM, not dementia). If the diagnosis is recent and/or severe, it is more likely that you will be declined for coverage entirely.
Another example is a spine exclusion due to regular or even past chiropractor visits even without any underlying pathology. Another red flag for insurance companies is when you have been advised to complete a test/study that has not yet been completed. One common example of this is a sleep study. Another problem is having a colleague prescribe a medication for which there is no medical record and later is discovered on a script check. Insurance companies are naturally suspicious and wonder what else you are not revealing.
All the previously mentioned will cause a problem either at policy underwriting or at time of claim. This can all be avoided by taking the extra time to determine if your training program has a guaranteed approval disability insurance policy available. Ask your colleagues, especially those ahead of you, your professors, GME Coordinators, or experienced disability insurance agents.
[Editor's Note: Ideally, there would be a list online of institutions/programs/hospitals/employers along with the approved GSI agent for that institution. Unfortunately, the business world being what it is, that does not exist, although in this post at least you learned who it would be at UAB and UCSD. The consumer is therefore on their own to somehow discover this provider. For most docs, it doesn't matter because they qualify to get a typical individual policy (which may even be cheaper than a GSI policy they qualify for). For anyone with a medical problem or dangerous hobby, it's critical information to know. We keep a list of recommended disability insurance agents who are sponsors of the site. These agents are excellent, however, that list does not contain the agent for every GSI program in the country. They tell me they do their best to refer you to the appropriate person when you are in need of a GSI policy, but there is no way for WCI to guarantee that actually happens every time. In addition, some of the agents out there who hold the GSI “contract” at an institution are NOT agents I would recommend to anyone but someone needing that particular policy. Caveat Emptor!]
Were you aware of Guaranteed Standard Issue Disability Insurance policies when looking for disability insurance? Does your hospital have a GSI program? Did you take advantage of a GSI policy? Why or why not? Comment below!
Are there ever any instances where it would be appropriate for a resident to wait to get disability insurance until the end of their training? Or is it recommended to get as soon as possible after starting residency? Thank you.
The benefit of waiting is you save those premium payments. There are lots of downsides, the main one being residents get disabled all the time. So I recommend you buy it as soon as you start residency.
Thanks for all the great information.
Dose anyone know if the University of Louisville has a GSI plan
Most major residency programs provide group disability insurance so even with the contractual limitations of group policies at least there is some protection in the event of disability. A more critical issue is that due to the stress and lifestyle of residents/fellows a medical issue may develop that limits or eliminates the possibility of qualifying for individual coverage at the end of training. Since Guarantee issue individual disability insurance protects against this occurrence it is the only situation in which it may be advisable to wait until the last year of training to establish disability coverage
GSI is available at UPMC – all hospitals and all medical training programs (including T32). Also available for GME dental residency.
GSI is available at Allegheny Health Network (AHN) for medical trainees.
Thanks for your input. Welcome any others who have GSI programs to contribute as well. Would like to make this the first place residents/fellows visit when they begin their search for disability insurance.
Hi Andy,
We have the GSI program at UCLA and happy to provide plan information and details to any resident/fellow interested!
Thanks!
Janet Mendence
[email protected]
310-480-7154
CA License No. 0733267
Hi Andy, I represent the GSI program at University of Illinois at Chicago – UIC. Thanks!
[email protected]
844-862-1003
Hello –
Just yesterday I applied for my disability insurance and today I came across this article. I do not know if my residency has GSI; but if I wanted to pause the medical underwriting that is just getting started is there a way to do this? They have not yet contacted me for any additional info. I see above that you say you cannot apply for GSI if you have been given exclusions. I’m not sure if I am going to be given exclusions; but I guess there is a chance since I take a regular prescription medication and have had a procedure in the past 10 years. So I just wanted to see if there is any way to freeze this process so that I could find out about GSI. Maybe I’m a day late (and going to be more than a couple dollars short?!)
Thanks for all of the info!
Probably, call your agent. Maybe the app is still on his desk.
Hayley, It is not too late, did you sign anything? If not don’t, otherwise simply email your agent and withdraw your application. You can do that any time during the underwriting period and it will not effect your eligibility for a GSI policy as long as no formal underwriting decision has been made. What is your training program and we or someone out there will know if you have a GSI program.
Jackson Memorial Hospital in Miami, FL.
Many carriers also offer “survey application” options which allow you to request an insurability offer without affecting your application history or medical information bureau (MIB) report. Make sure your agent or broker reviews the underwriting guide with you so they’re not shooting in the dark. Most carriers outline what offers they’re willing to make based on an array of preexisting conditions, and this information is readily accessible to agents and brokers. The person helping you obtain coverage should be just as thorough with your health questionnaire at application time as they are shopping your pricing and carrier policy language. Remember, true underwriting takes place at claim time, not when you’re applying.
Hayley, I have checked our sources and could not find a GSI at your hospital so unless anyone else is aware you probably should continue the application process.
Finity group offers guaranteed standard for the University of Washington.
Does anyone know who offers guaranteed standard for Mayo Clinic?
Which location; Florida, Arizona, or Minnesota?
Arizona
Bumping this. Does anyone know who offers it for mayo arizona?
I have a couple brokers in Arizona checking into it, but nothing yet. If anyone else has any leads, please let us all know.
Appreciate it!
Unfortunately, we haven’t been able to find anything. I would ask around to see what insurance agent/broker works with the largest number of physicians at your hospital. If anyone has the GSI policy, it’s likely them. It may also be the same people that offer the group policy for the residents/fellows and/or attendings (sometimes they’re different groups). Usually someone in GME or a program coordinator knows who has it if there is one. Sorry we couldn’t be of more help.
Starting 2/15/23 there will now be a GSI option available to all Mayo Clinic residents and fellows (MN, AZ and FL) through Guardian. More information is available here – https://www.disabilityquotes.com/mayoclinic
There are no GSI plans currently with Mayo. There was one several years ago with Standard Insurance Company but it was terminated.
Larry
Now there is:
https://www.disabilityquotes.com/mayoclinic
I could be totally wrong but I don’t think the location of the specific Mayo clinic should matter. They have all of the same benefits, pay, etc. Their general health, life, and disability insurance are all the same.
That all depends on how the GSI is offered. If the GSI is within the benefits package, the benefits department and employees typically know about it. Often, it is granted by an insurance company to a specific agent/broker who writes enough business at a particular location to give them the law of large numbers to be able to offer GSI.
Does anyone know who offers GSI for Mass General?
Yes, there is an Ohio National GSI for Partners.
Steve Johnson has it. The website is http://www.residentgsi.com.
Larry
Does anyone know who offers GSI for Mayo Clinic Arizona?
Does anyone know who offers GSI for residents at Temple University Hospital in Philadelphia?
I am the broker with GSI programs for: Temple, Einstein, Jefferson, Cooper, Rowan, Drexel, PCOM, HSS, Mayo (Internal Medicine and Orthopaedic Surgery) and also have reciprocal agreements with other agents throughout the country. If you would like to discuss, please complete our questionnaire at http://www.PGY1.com.
I have access to a GSI plan at Thomas Jefferson University Hospital with Standard Insurance Company along with several other hospitals.
Larry
Standard insurance has a GSI for both University of Utah and University of Colorado as well as about 18 others throughout the country.
The list of discounted premium Guarantee Standard Issue, GSI, programs across the country from Standard insurance. Each program is controlled by one or two insurance brokers. For those programs not listed, Standard just announced as of 4/2/21 the discount on underwritten individual policies has increased from 10%-15%. We are working on obtaining the GSI programs for other insurance companies.
Institution City State
Scripps Clinic/Scripps Green Hospital La Jolla CA
Scripps Mercy Hospital San Diego CA
University of California San Diego Medical Center San Diego CA
Stanford Health Care Stanford CA
University of Colorado School of Medicine Aurora CO
Denver Health Medical Center Denver CO
Saint Joseph Hospital, Inc Denver CO
Christiana Care Health Services Inc Newark DE
University of Florida College of Medicine Gainesville FL
University of South Florida Morsani College of Medicine Tampa FL
Rush University Medical Center Chicago IL
McGaw Medical Center of Northwestern University Chicago IL
University of Kansas School of Medicine Kansas City KS
University of Michigan Health System Ann Arbor MI
Henry Ford Macomb Hospital Clinton Township MI
Henry Ford Hospital Detroit MI
Children’s Hospital of Michigan Detroit MI
Detroit Medical Center Corporation Detroit MI
Henry Ford Allegiance Health Jackson MI
Sparrow Hospital Lansing MI
Michigan State University College of Human Medicine Lansing MI
Henry Ford Wyandotte Hospital Wyandotte MI
Duke University Hospital Durham NC
Vidant Medical Center Greenville NC
University of Nebraska Medical Center College of Medicine Omaha NE
Sidney Kimmel Medical College at Thomas Jefferson University Philadelphia PA
Vanderbilt University Medical Center Nashville TN
University of Texas Southwestern Medical Center Dallas TX
University of Utah Health Salt Lake City UT
The University of Washington School of Dentistry Seattle WA
Dear Andy, do you have any information on GSI programs at the University of California, Irvine?
Fairly certain they now (finally) have a GSI policy available through University of Kentucky. I believe it’s with Guardian.
Dear Andy, do you have any information on GSI programs at the University of California, Irvine?
Hi Abhi,
Andy just contacted me regarding your question about UCI. We do offer a GSI plan for all UCI residents and fellows. Please feel free to visit our website and reach out to us (www.rivettifinancial.com).
We also offer GSI plans for the USC and Harbor-UCLA residency programs as well.
Abhi, i believe there is a GSI program for UCI. We are in the process of confirming it is still in place and will have an answer soon and direct you to the proper person.
My partner (PGY2 resident) bought an individual policy through Guardian separate from our institution/employer issued group one. I recently found out our employer has a GSI that is also through Guardian. Given that our individually purchased disability insurance is only going to pay out couple thousand dollars a month if he becomes disabled at this time as a resident and that we can default back to the GSI after training (which could be the identical policy that I purchased now through Guardian) when he will be at an attending physician salary, I am considering just stopping our individually purchased policy to save the monthly premiums even though we underwent medical underwriting and he was approved. I’m mainly concerned about his salary when he is an attending since the disability payout now would still be very low compared to an attending physician salary. Am I thinking about this wrong? I understand there is the risk that he could still be disabled in residency
I’m not sure I’d let the presence of a GSI policy possibility talk me out of a regular policy that I could take with me when I leave residency. You’re not going to take the employer provided one with you, you’ll want either the GSI or the regular policy you have, hopefully with a future purchase option. You can compare the two and take the cheaper one if you want, but if he qualifies, I’ll bet the one he has is the cheaper one.
I compared and since they are both Guardian they are the same price exactly for the same policy and riders. The hospital group policy is not portable but I can just opt to purchase the additional GSI at the end of residency without underwriting which I can tweak to make exactly the same as the Guardian policy we currently purchased. I thus don’t see a huge benefit in carrying my currently purchased policy through residency as even if he becomes disabled in residency, payout is only a couple thousand a month based on his current residency salary
A couple thousand is a lot more money than $0.
There are a number of factors to consider before finalizing your decision for the optimum solution to protect your medical career in the event of a disability. The first risk is if you become disabled, which apparently you are willing to absorb. The second is if you have a health change and become uninsurable. That is solved by the GSI so no reason to pay premiums to protect against this risk. Other issues are more intrinsic such as the policy benefits and contractual provisions of the GSI policy vs. your individual policy as well as future premium savings. Your GSI agent can confirm, but if the GSI has a future purchase option that is adequate to protect the future earning potential of your specialty, it may make sense to wait until end of training and utilize the GSI. Keep in mind that disability insurance premiums increase approximately 5% each year until implementation, when they are locked in. We calculate each year you wait translates to almost two full extra years of premiums paid during the typical medical career. So you are either going to save now or later.
What are the thoughts behind enhanced partial vs basic partial riders for new interns buying disability insurance? Enhanced partial comes with added monthly premiums but seems to be more forgiving.
Devil is in the details. Sounds like wording from one company in particular. As a general rule, the partial disability rider is a good place to spend money as it gets used frequently. So I’d lean toward enhanced, but I honestly don’t know the difference and it sounds like you don’t either. Get the actual contract wording for each and post it here and you’ll get better advice.
Thank you, below is how Guardian defines the enhanced partial rider:
This specialized rider from Guardian can be particularly valuable for fee-for-service professionals and business owners. It provides benefits when, solely due to sickness or injury, you suffer a loss of income of 15% or more. (Most other carriers require 20%.) For the first 12 months, benefits are equal to the actual loss of income, up to 100% of your monthly benefit; Afterwards, benefits are paid in proportion to your income loss.
After you fully recover and return to work full time, Guardian continues to pay benefits as long as you have a loss of income of at least 15% of your prior income (and the loss is solely the result of the injury or illness that caused the disability). And with Guardian’s superior Waiver of Premium benefit, monthly policy payments are suspended while you’re disabled and receiving benefits — plus another six months after recovery and benefits end.
Basic partial disability:
This pays partial benefits if you suffer an injury or illness that limits your ability to work – but doesn’t cause total disability.
Difference is about $10/month.
The enhanced disability rider usually provides a minimum 50% of the monthly benefit regardless of what the formula for partial disability benefits provides for the first 6 or 12 months of partial disability benefits. Without knowing the specifics of the contract you are referring to, generally partial disability benefits provide a percentage of the total benefit and it is calculated by the portion of your prior income you are able to generate. For example, if you are able to earn 60% of your prior earnings you will receive 40% of your disability benefit. The enhanced rider increases the amount to at least 50% for the first 6 or 12 months of partial disability. The Guardian policy will pay up to 100% of the monthly benefit, depending on your loss of income. The percentage of prior income while on claim probably does not matter during training but will when you are in practice. Since almost all disabilities are at some point partial,I recommend the enhanced.
Is anyone aware if University of Chicago has GSI?
Anyone aware of a GSI program at Dartmouth-Hitchcock in Lebanon, NH? Thanks for this post!
thanks for this article – does anyone know of GSI plans at Mount Sinai Hospital in NYC or Rutgers-Robert Wood Johnson Hospital in NJ?
I am aware of and have access to GSI plans at both institutions.
Feel free to call or email me at [email protected].
Does anyone know if Aultman Hospital in canton Ohio has a GSI plan?
Along with Janet Mendence, we have the GSI program at all four UCLA sites: Ronald Reagan, Olive View, Santa Monica and the West LA VA. All PGY levels are eligible. All Dental Depts as well.
310-491-6603