HSA limits for family with HDHP x2

[LizOB]

My husband and I are each W2 employees at separate companies.
Up until now, my employer has not offered a true HDHP which would allow for an HSA....

[LizOB]

I am a W2 employee, with 403b and 401a accounts through my employer. My hospital was recently purchased by a different system and I will become an employee...

[LizOB]

I've done some reading and some math. Apparently if we pay less than $2200 total for the year, we don't have to worry about any taxes. If daycare is REALLY...

[LizOB]

Our only options are:
1. My mom comes into town to watch the kids, thereby exposing an older loved one to whatever crap I bring home from the hospital...

[LizOB]

My kids daycare is closing Monday for 2 weeks. We will be hiring one of the teachers to nanny for us only while they're closed (of course recognizing...

[LizOB]

I took the plunge and did my very first TLH today to the tune of $24k. Appreciate all the info both here and from POF on how to do it....

[LizOB]

Didn't read through all 4 pages of comments so someone might have beat me to it: I get paid one lump fee for the entire prenatal care, labor, delivery, p...

[LizOB]

ENT Doc wrote: This is just as bad as what we see at places like Hopkins, Harvard, etc. where they have very steep cut-offs for financial aid benefit vs full price.  It...

[LizOB]

jfoxcpacfp wrote: LizOB wrote: ZZZ wrote:   All those things can be passed to a beneficiary without a living trust or going through probate. Make sure the accounts have appropriately ...

[LizOB]

MaxPower wrote: Mine does. But it is very explicit that it is for basic economy only and any upgrade has to be paid for by the doctor (or can use upgrade miles). Since m...

[LizOB]

ZZZ wrote:   All those things can be passed to a beneficiary without a living trust or going through probate. Make sure the accounts have appropriately named beneficiaries and titl...

[LizOB]

childay wrote: LizOB wrote: I find there is almost always something productive I could be doing if I find myself with extra time during the day  Click to expand… As you pos...

[LizOB]

Epic tips: - Pre-charting. You can drop your note template (I don't have different notes for different complaints- I just have generic annual exam notes ...

[LizOB]

I have treated a number of colleagues, especially nurses I work with. I actually find that if they ask for something I don't think is indicated, they...

[LizOB]

I have contacted PC customer service regarding this and they have not been able to fix it. Both my husband's and my 401k's are through Fidelity. I have been...

[LizOB]

I got reimbursed for first class to fly to oral boards- really the only reason I did it was because it was a regional jet where one side of first class...

[LizOB]

Something else to consider is that if you are inpatient only, you will not have patients who know you and specifically choose to see you. Meaning whoever...

[LizOB]

Call me crazy, but consider obgyn. My cases are never >3h (except some onc stuff in residency). I'm in a group of 9 so 1 in 9 call, and the call person...

[LizOB]

I think this is why whole life insurance appeals to some people, because they don't realize that funeral expenses could easily be covered by savings (and...

[LizOB]

My husband and I merged accounts with BoA (we each had our own so decided to stick with them). It was super easy. We made an appointment on the app, showed...

[LizOB]

Due to recent events, I have been wanting to donate money to various organizations but was hesitant to do so because I don't want to be on their mailing...

[LizOB]

6% match, vested after 3 years. They only match on base salary rather than "bonuses"- which I use in quotes because it's really the end-of-quarter reimbursement...

[LizOB]

I'm in a MCOL area, it's $40/mow for about 1/3 acre lot. The initial mulching was ~$300 and we pay ~$300/year for fertilizing/weedkilling. We don't go...

[LizOB]

1. I can't just put someone on bedrest or write to be out of work for no medical reason. In fact, there are very few (if any) evidence-based reasons for...

[LizOB]

I'm a W2 employee for my clinical job. For 2019 I will have a small amount of 1099 income- we're talking less than $1000. Do I need to bother with sending...

[LizOB]

There are anecdotes of life insurance companies not accounting for normal pregnancy physiology with lab evaluation. Ex- cholesterol goes up (never EVER...

[LizOB]

I didn't do any retirement saving as a resident (didn't know any better, figured it was something I didn't need to worry about yet). However I did put...

[LizOB]

ENT Doc wrote: daman42886 wrote: I am ENT, so we do have a good amount of codes that we use. Is there any specific way that you keep track of the wRVUs? In additio...

[LizOB]

Ha. Normally 8-9 hours. But at term pregnant I am routinely waking up at 0430 unable to get back to sleep. This time next week I'll be happy to get even...

[LizOB]

Lordosis wrote: Most of the local surgeons will not preform elective surgeries on morbid obese patients or smokers. I am not a surgeon so I cannot really comment I just kno...

[LizOB]

The university where I did residency kept increasing the med school class size then (surprise surprise) had trouble fitting all of the students into places...

[LizOB]

Dual income, normal e-fund is about 3 months of expenses. But I'm about to go on my totally unpaid maternity leave so we have an additional 3 months of...

[LizOB]

Matched at my #3. I was a little disappointed at the time but it turned out to be the right place for me.

[LizOB]

Obgyn. 20-25/day depending on how many prenatals (quicker) vs annuals/procedures (longer)

[LizOB]

I am thankful my state (VA) only requires checking for rx's longer than 7 days. Nearly every single time I write for opioids it is for post-op pain so...

[LizOB]

Kon Litovsky wrote: LizOB wrote: My husband’s employer has recently introduced an after-tax contribution option to their 401k plan (with Fidelity). This would be in addition t...

[LizOB]

It looks like I will be paying about 1% less of gross income compared to last year. But we made more money so hard to compare apples to apples. Also had...

[LizOB]

This is so tough to answer. Of course you want someone who will perform a thorough workup and answer all questions and make you feel comfortable pre-operatively,...

[LizOB]

Don't get too hung up on the RVU target they are setting. It basically sounds like a straight $30/RVU model, which I suspect is way too low (though this...

[LizOB]

I will say that one of the things that attracted me to ob/gyn was the variety. Some days I am in the office, some days I am running L&D, others I am doing...

[LizOB]

I'm closer to 3 months expenses in the e-fund. But in a dual-income family (in different fields). Our taxable account is up to another 3ish months worth...

[LizOB]

My dad is EM so I have had a front-row seat for his career. He did an EM residency in the mid 80's, when it was a pretty new thing. He worked full time...

[LizOB]

Serious question, if the people actually doing the teaching aren't getting paid, where does all that tuition money GO? I have been approached by NP stude...

[LizOB]

I recently got a message routed to me that a pt wanted me to provide a second opinion on an ultrasound, ordered by someone else. I haven't seen the pt...

[LizOB]

Was it because we all just put $6000 into VTSAX in our backdoor Roths??

[LizOB]

I'm ob/gyn so don't really deal with coughs and colds, but I occasionally see patients with chronic or complex pain/bleeding/discharge/etc who seem a...

[LizOB]

Up 72k which is about 12% from the start of the year. Would have been more if not for the 4th quarter returns, and paying for a new minivan in cash (I...

[LizOB]

I too have seen posts in the Facebook groups about OBs in FL not having malpractice. Something about Florida being weird. Seems like a bad idea but then...

[LizOB]

MPMD wrote: LizOB wrote: “Nothing was done” with your previous deliveries- so there wasn’t an OB present to handle any sort of emergency that may come up, RNs/techs/other support staff present in case s...

[LizOB]

"Nothing was done" with your previous deliveries- so there wasn't an OB present to handle any sort of emergency that may come up, RNs/techs/other support...

[LizOB]

1. Can you tell me your specialty? Ob/gyn 2. Region you work (west coast, east coast, etc.)? east coast 3. How many shifts per month are typical? 4-5....

[LizOB]

This is one of the things I really like about ob/gyn- the history and physical is still the cornerstone of a significant amount of my decision-making. I...

[LizOB]

Only if specifically requested by the patient. If they really want it, it's no skin off my back if they pay more for it

[LizOB]

In addition to this being an inappropriate request from a friend, I would worry about liability of signing off those letters. If the dog bites someone...

[LizOB]

To any sales phone calls (whether financial or anything else), I say "no thank you" and immediately hang up. If you wait for them to wrap up the conversation...

[LizOB]

Marko-ER wrote: Madeira = amazing.  You can get a very reasonable flight, especially if you are on the east coast (Azores air, out of Boston; easy connecting flight to Boston on Jetblue ...

[LizOB]

Dusn wrote: Costa Rica is nice – beautiful mountains, coast and great people.  The sloths were pretty cool too.  My sister has been to Nicaragua and said the surfing was good ther...

[LizOB]

https://www.cnn.com/2018/12/12/politics/james-inhofe-purchase-raytheon-stock/index.html "Senator purchased stock in defense contractor after pushing for...

[LizOB]

Whenever I start a pelvic exam and the pt mentions that she doesn't like them (internal thought btw is DUH and an eye roll), what I say is "you know what,...

[LizOB]

I LOVE my 18 Odyssey Elite. Didn't test-drive the pacifica because I read some not great reviews about reliability. Did test drive the sienna which just...

[LizOB]

mainah wrote: LizOB wrote: Nevermind the fact that higher patient satisfaction = higher costs and higher mortality Click to expand… Do you have any data to back that up for me? I k...

[LizOB]

My own group has a problem with this. We have some NPs (which you really need to see the high volume of low-risk prenatal pts) and they routinely send...

[LizOB]

NOW you've made it big!

[LizOB]

Some kids don't do well in huge universities. Others thrive there. Depends on the kid. I think it's hard for people who don't know him to make these recommendations....

[LizOB]

I am an employed doc also. Purely RVU-based with a base "salary" and quarterly productivity bonus (really what they do at the end of the quarter is tally...

[LizOB]

GPGP wrote: This is going to kill my practice, as I code well. My kids go to a pediatrician’s office that is super-aggressive on coding – strep throat was 99214 recently, for exampl...

[LizOB]

Thanks everyone. It sounded like a good thing to do but wanted to make sure I wasn't missing anything!

[LizOB]

My husband's employer has recently introduced an after-tax contribution option to their 401k plan (with Fidelity). This would be in addition to the $18,500...

[LizOB]

We do daycare and LOVE it. Granted my husband is an engineer with normal hours so that's why it works for us. Our son has learned so many things at daycare...

[LizOB]

ACOG has articles with CME that are free for members. Other societies might do something similar

[LizOB]

I am a hospital-employed OB in VA, which is not particularly bad for malpractice as far as I am aware. The Richmond market is a little saturated (or at...

[LizOB]

Congrats!!! And PS make sure your wife takes aspirin starting late first tri in future pregnancies- reduces risk of recurrent preeclampsia...

[LizOB]

After max'ing out 401k, your next investment option is backdoor roth vs taxable. They are both post-tax investments, but the roth is never taxed again...

[LizOB]

I think finding a post-training job eligible for PSLF can really vary depending on the specialty and area of the country. The exception is that most academic...

[LizOB]

I'm obgyn. It is illegal for your employer to force you to stop working when you have no medical contraindication. If necessary, get a note from your...

[LizOB]

Peds wrote: Krentist wrote: Mentally/emotionally, we are more inclined to kill any debt rather than leave it linger during the time we focus on the after-tax accounts.  That worke...

[LizOB]

You're single and will be a resident. What exactly do you think will happen when you need some sort of repair or delivery during business hours? You can't...

[LizOB]

Peds wrote: beth928 wrote: spiritrider wrote:   If you go get what you want. I would suggest keeping it to yourself. Click to expand… Speaking as an employer, there are few t...

[LizOB]

Let's look at the incentives for physicians: - Hospital higher up's are pushing patient satisfaction - Many patients are not satisfied with even mil...

[LizOB]

OB here. Your lipids WILL go up in pregnancy. Never ever check a lipid panel on a pregnant pt, the only thing it's good for is to raise her life insurance...

[LizOB]

pulmdoc wrote: The article states that there was sudden loss of fetal heartbeat. Assuming that’s true (not progressive distress over time), it’s an impossible situation for the OB. Fail to c/s IMMEDI...

[LizOB]

MaxPower wrote: My current contract (subspecialty orthopedics, hospital employed) is for 6 weeks off per year, with one of those weeks being for CME. We also are only ...

[LizOB]

Awesome job! I'm 4 years out and polished off my loans a little over a year ago. It's so amazing to have them paid off, totally worth putting off the...

[LizOB]

The answer (or question, since this was Jeopardy) was term life insurance. Maybe my paraphrasing didn't do it justice. I was yelling at the TV since nobody...

[LizOB]

Clue tonight: 2 types of life insurance are cash value and this, which is temporary (I'm paraphrasing) Nobody got it!! Nobody even buzzed in to guess...

[LizOB]

The White Coat Investor wrote: Ds2660 wrote: I am a private practice radiologist.  We have medical students come through our department which the medical school compensates us for.  We als...

[LizOB]

Remember if your employer offers any matching to the Roth 403b then do that first! At least up until the amount of the match Since the roth 403b and IR...

[LizOB]

My husband and I did "moderate distance" for my 4 year residency. We lived 2h apart- we weren't married at the time but dating/engaged. We spoke every...

[LizOB]

Vagabond MD wrote: We have been sharing our radiology reports with outpatients via a patient portal for at least 10 years. I never hear a whisper from them. Either th...

[LizOB]

My institution is doing it now too. I'm not thrilled, but at least they didn't ask us to write them any differently. If patients ask things about them ...

[LizOB]

I did get out of a ticket once by honestly telling the cop I had a pt at 8cm who may deliver quickly. Ironically she took another hour or two after I...

[LizOB]

You could split the difference and take loans for tuition only and live off your portfolio. What kinds of accounts is this money in? I would be hesitant...

[LizOB]

The incentive will be to deal with as few problems as possible per visit and have the pt make multiple visits. You want to discuss contraception AND your ab...

[LizOB]

GasFIRE wrote: In anesthesiology, anything that goes wrong not just in the OR but in the entire Surgery suite is always followed by the words “it’s anesthesias fault.” Click ...

[LizOB]

Peds wrote: hatton1 wrote: Seems wrong.  In my field I see a problem with cigarette smokers over 35 continuing to take OCPs if they were OTC. Click to expand… Isn’t the risk st...

[LizOB]

RandomDoc wrote: In regards to what LizOB said above, if you and your spouse file taxes married filing jointly, can you both really have 529 accounts and get the ma...

[LizOB]

I got a spam robocall today, saying it was about my federal student loans. Joke's on them- I don't have any student loans! Hung up immediately and blocked...

[LizOB]

If your state does a tax deduction, you will probably want as many as possible. I'm in Virginia, and get a $4k tax break *per account*. So my husband...

[LizOB]

Dreamgiver wrote: This happened as a med student on the gyn rotation. I was in the clinic doing exams and such and one of my duties was to do pap smears. As I was working on this 50-some-year-old woman, I just...

[LizOB]

Minivan! I love love love my Odyssey. My husband drives a Highlander. The Odyssey is what we use for longer trips, no question