vjyden sam
7.5K posts
vjyden sam
@rational_doc
Football, Dirtbike, everything Cardiology, health policy, Memorial Hospital
Scottsdale, AZ Katılım Temmuz 2017
4K Takip Edilen634 Takipçiler
Political leanings of American doctors by specialty. Unsurprisingly, psychiatrists the most left-leaning.
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@gonzaj200 @sdixitmd They don’t ask… because they assume u were at the top of your class on those things
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@JohnAnthonyMD It’s cute how u snuck in fact number 2 as something thts settled. Most pts want who they think are talented and will take care of them…. IMO pts going to doctors based in race is marginal
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@SurgeryBro I think u kind of proving his point. It’s pretty much accepted u will be shunned and labeled racist of u don’t tow the line
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@SalaryDr No the it corresponds to RVUs ( if u look at it tht way academics make more per RVU)
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@TPP_MD Come on, we kno how tht 1:4 disability in social security is… Thts a very lax standard. No sane person thinks 1 in 4 are disabled. No insurance company is modeling on 1:4 gets disabled. I would recommend you talk to people who got disability insurance and now are living on it.
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Death is black and white. Life insurance is not. Only need it if you have someone dependent on your income 🤷♂️ so not every physician needs life insurance actually.
The evidence for the need for disability is common sense. Why wouldn’t you want to protect $10 million in earning potential at the very least until you are financially independent?
1 in 4 get disabled according to socially security administration. Average duration is 3 years. That’s $1 million for most physicians. These are facts. Not anecdotes.
And, yes, you should have an own occupation policy from an insurance company that isn’t going to screw you. Just because you’ve seen that happen doesn’t make it good advice to not get it.
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As of today, what happened to me now should never happen to another physician in training. Everything has changed.
Here’s the story…
I got denied disability insurance when I was a 4th year med student. Tremor and ADHD on my chart. I am now permanently uninsurable, and if I lost my income it would be a massive problem for my family.
This happened because an insurance agent talked me into a fully underwritten disability policy as a 4th year med student. He didn’t have access to a GSI — a guaranteed standard issue policy that doesn’t dig into your medical history — so he never brought it up. He couldn’t make money on it.
The underwriter saw an essential tremor and a history of ADHD. I got denied. I’m permanently uninsurable to this day. A catastrophic financial mistake before I’d earned a single attending paycheck.
Turns out I’m one of the ~50% of doctors who need a GSI. And that group is bigger than you’d think — treatment for anxiety or depression, a BMI over 30, hypertension, sleep apnea, an old ACL repair from college. Any of these (and many others) can get you denied.
My mistake is the entire reason Money Meets Medicine Disability has always existed. To make sure what happened to me doesn’t happen to any residents who come across my work.
And now we can essentially guarantee it doesn’t happen to anyone else.
Here’s the news: MMM Disability is one over very few agencies in the country that now has access to a brand-new national GSI offer available to every resident and fellow in the country. It’s an individually owned, own-occupation policy that’s yours to keep after training.
Until today, getting a GSI meant hoping you trained somewhere a carrier had made one available — and these aren’t offered by or associated with your program, which is why most programs don’t even know they exist. If your hospital didn’t have one, you were stuck.
Not anymore. As long as you haven’t had an adverse decision — a denial, rating, or exclusion — in the last 2 years, we can essentially guarantee you coverage, no matter where you train.
So residents 🚨 don’t let an agent without GSI access run your paperwork. That’s the exact mistake that cost me my insurability.
If you want to see your options (including the GSI all residents now have available), we would be honored to help you at MMM DI.
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@TPP_MD They should come across and they should decide…
Nothing is so straight forward.I am actually you are so sure about this… life isn’t tht black and white (except death - so life insurance is 👍🏼)There is no evidence to suggest disability insurances are a must despite who says it
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Unfortunately age and wisdom often do no correlate.
While I’m sorry you have had that experience…. just like anecdotal medicine isn’t a great way to precise medicine, anecdotal financial decisions usually aren’t either.
You are literally telling people to not get the one insurance product that (without exception) every solid financial advisor and financial literacy expert in the physician space agrees all doctors need.
Can’t let some medical student or resident come across your comment and think it’s good advice. Because it’s not 🤷♂️
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@yourheartdoc1 @Hragy We tried… took more effort than just manually doing it…
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Has anybody tried training claude #AI to do their interventional STEMI call schedules based on inputs, request and vacations etc. ?
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@TPP_MD My friend I am much older than u, have much experience with disability than u can imagine. Have colleagues who abused the system, and also colleagues who were left stranded despite having disability.
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Tell me you don’t know anything without telling me you don’t know anything.
Literally the #1 financial task for doctors. Without an income the rest of personal finance can’t happen.
You buy insurance for a $75,000 car… and not gonna insure $10 million in income earning potential?
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@nxt888 But without British there wouldn’t be a modern day Indian country
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"If India had 25% of world GDP it would have easily defeated the East India Company."
Kyle this sentence reveals that you do not know how the East India Company actually conquered India and I need you to understand this before the conversation can go anywhere.
The Company did not defeat India in a straight military contest between Europe and India. That is not what happened.
What happened:
The Mughal Empire was in political fragmentation.
Regional powers, the Marathas, the Nawabs of Bengal, the Nizam of Hyderabad, were in conflict with each other.
The Company did not defeat Indian wealth.
It inserted itself into Indian political conflict, backed one faction against another, extracted concessions from whoever it helped win, and used those concessions to fund the next round of expansion.
At the Battle of Plassey in 1757, the battle that effectively handed Bengal to the Company, Robert Clive led roughly 3,000 Company soldiers.
The Nawab had 50,000.
Clive won because he had already bribed the Nawab's own commander-in-chief, Mir Jafar, to keep his entire army standing still when the battle began.
This is not European military genius defeating Indian economic power.
This is a trading company exploiting a political betrayal.
GDP does not prevent betrayal, my friend.
Fragmented political authority does not automatically consolidate to repel a sufficiently opportunistic external actor.
The British did not defeat Indian wealth.
They captured Indian political fragmentation and used it to redirect Indian wealth toward Britain.
That is a completely different story than the one your argument assumes.
Kyle Choi 崔凯尔@KCDN19
@nxt888 If India actually had 25% of the world's GDP, it would have easily defeated the British East India Company. The idea that Europe was poor but was able to project power in far-flung places magically is an overcorrection against Eurocentrism. Europe had surplus economic capacity.
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@HollowPoint_USA Honest question, u guys think 350-400k is too much for physicians… ?
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If Americans ever want good healthcare, there is going to have to be a generation of doctors that takes a massive pay cut as part of the money being sucked out of the system. They can have their loans forgiven too, but they need to earn less.
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I think Americans largely hate doctors because they so often sound like they’re talking their own book. People expect them to act like public servants pursuing the greater good, but everything I've seen from this guy is just him defending his ability to get rich.
Anthony DiGiorgio, DO, MHA@DrDiGiorgio
This is the ultimate midwit healthcare take. No, 32 countries have not “figured out” universal healthcare. The UK has “free” healthcare, and roughly 1 in 3 cancer patients in England still fail to start treatment within 62 days of urgent referral. Canada has “free” healthcare, and the median wait for neurosurgical treatment is around a year. Australia has “free” healthcare, and over half the country still buys private insurance despite paying for a public universal system with their taxes. Switzerland has universal coverage, because residents are required to buy private insurance. There is no government system where benevolent bureaucrats tuck you in at night with a warm blanket and an MRI appointment. The actual lesson from other wealthy countries is not “they figured it out.” America’s system has huge problems. Our prices are insane, insurance markets are distorted, and hospital systems are cartelized. Our regulations make care more expensive than it needs to be. Yet we still guarantee access to even the 8% who don’t have coverage. We give easy routes to qualify for medicaid for those with disabilities. Pretending the rest of the world solved healthcare because they slapped the word “universal” on a rationing scheme is not analysis. It is bumper sticker policy for people who think access means having a card in your wallet while you wait a year to see the doctor you need.
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Just so ppl know, not all MRIs are created equal!
Rep. Eric Burlison@RepEricBurlison
An MRI in a hospital: $2,400 An MRI through direct primary care: $600 This should be a wake up call for everyone.
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@SpencerAlthouse Didn’t he rape some chick in 2017?
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Aziz Ansari just appeared as Kash Patel on SNL, and they went innnnn on him
"I'm a trailblazer. I'm the first Indian person to suck at their job. Everyone says Indian people are smart, hardworking, incredibly intelligent. I prove without a shadow of a doubt that we can be just as incapable and incompetent as the whites."
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@MaxJordan_N Thts sad, removing the consult billing code made most specializations not worth it
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The smartest doctors in America are actually nephrologists and ID doctors, probably. They essentially take a big $ cut to study complex systems for 2-3 more years; there’s no big pay day at the end, so they’re in it for the love of the game. You can’t tell in other specialties😅
Nihar Ranjan Nayak@nihar_nayak2
Smartest doctors are Electrophysiologists not radiologists.
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vjyden sam retweetledi
The Big Four airlines (American, Delta, Southwest, United) control 75% of the U.S. market.
Fewer choices = higher prices for you.
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@agupta I have lived in both states. There is pretty much no difference in quality of living. But u feel u have more money in ur pocket in FL.
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what surprised me about this tweet was that people are surprised that NYC's budget is greater than Florida's. Like yeah, NYC has about the same GDP as all of Florida and the taxes and expectation of state/city provided services are higher.
Florida's economy is instead heavily subsidized by federal dollars from Medicaid, Medicare and Social Security.
Shai Goldman@shaig
1. NYC is in big deficit 2. NYC budget is greater than the entire Florida state budget - it's a spending problem, not a revenue problem 3. All the free stuff he pitched in the campaign isn't going to happen
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